XLM has a Rug Risk Score of 75 (HIGH risk) due to unverified contract details and incomplete holder data. While it's a well-established token, the lack of transparency around its Ethereum contract and top holders makes it riskier than fully verified tokens.

Is XLM a scam or rug pull?

There's no direct evidence of XLM being a scam, but the HIGH risk score stems from unverified contract details and incomplete holder data. Scams typically involve hidden minting functions or extreme holder concentration, which aren't confirmed here, but the lack of verification is still a red flag.

What is XLM's Rug Risk Score?

XLM's Rug Risk Score is 75, categorized as HIGH risk. This score reflects concerns about unverified contract details, incomplete holder data, and limited liquidity transparency, despite its long history and major exchange listings.

Should I invest in XLM?

Given XLM's HIGH risk score (75), it's important to research further before investing. The unverified contract and incomplete holder data are significant concerns. This is data analysis only, not financial advice.

How does StableHub score XLM?

StableHub scores XLM based on five signals: contract verification status, token age, liquidity, holder concentration, and exchange listings. XLM loses points for unverified contract details and incomplete holder data, despite its strong market presence and age.

Is Stellar (XLM) Safe? — StableHub Rug Risk Score

HIGH RISK ETHEREUM XLM

75 /100

Rug Risk Score — lower = safer

Last updated: 16 Jul 2026 UTC · Data: CoinGecko, Etherscan

Quick Answer

Stellar (XLM) has a Rug Risk Score of 75, placing it in the HIGH risk category. This is primarily due to unverified contract details and incomplete holder data, which raises concerns for beginner investors. While XLM has a long history (over 12 years) and strong market presence with a $6.4B market cap and listings on major exchanges, the lack of transparency around its Ethereum contract verification and top holder distribution creates uncertainty. Additionally, the absence of clear liquidity data for the Ethereum chain version further compounds these risks. For beginners, this means approaching XLM with caution, as the missing verification and data gaps could indicate potential risks despite its established reputation.

This is data analysis only — not financial advice.

Important Disclaimer

StableHub analyses publicly available blockchain data. This is not financial advice. A lower risk score does not mean safe to buy. Always do your own research before making any investment decision. Full disclaimer →

Risk Signal Breakdown

Signal	Value	Assessment	Threshold
Token Age	4,368 days	✓PASS	<90d = warn · <7d = fail
Liquidity	$214,028,163	✓PASS	<$50k = fail · <$500k = warn
Holder Concentration	Data unavailable	–N/A	>50% = fail · >30% = warn
Contract Verified	No	✕FAIL	Unverified contracts hide code
Exchange Listings	Multiple major exchanges	⚠WARN	DEX-only = warn; no listing = fail

Risk Flags

! unverified contract
! incomplete holder data
! limited liquidity transparency

Frequently Asked Questions

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Related on StableHub

StableHub Rug Risk Score

Stellar XLM

75 /100

HIGH RISK

Scored using Rug Risk Score v1.0 →

Risk Levels

LOW 0–30

MEDIUM 31–60

HIGH 61–85

CRITICAL 86–100