Templar Protocol Launches on Stellar: Cypher Lending Unlocks XLM and RWA Opportunities

3 min read

Nov 5, 2025

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Templar Protocol Stellar Launch Cypher Lending

Templar’s Stellar Debut: Cypher Lending Goes Multichain

Templar Protocol, the pioneering Cypher Lending platform, has launched on the Stellar ($XLM) network, marking a major expansion into multichain DeFi. Announced on November 5, 2025, via X, this integration allows Stellar users to deposit $XLM as collateral and borrow USDC directly on-chain. As the first “Cypher Lending” protocol, Templar emphasizes privacy, self-sovereignty, and zero-trust lending, no intermediaries, no KYC, just pure blockchain magic. For crypto newcomers, Cypher Lending borrows from cypherpunk roots: Borrow stablecoins against native assets like Bitcoin or XLM without wrapping, bridging, or handing over custody. As Templar posted, “Stellar users can now deposit XLM to borrow USDC on Stellar!” With its mainnet live since September 2025, Templar is already securing $100M+ in commitments, and Stellar adds a payments-focused twist.

What is Templar? The Cypherpunk Lending Revolution

Templar is more than a lender, it’s a rebellion against centralized finance. Built on NEAR but now multichain, it uses multi-party computation (MPC) and open-source smart contracts to let users retain full control of collateral. No banks freezing funds. No exchanges risking hacks. Specifically, on Stellar, you lock $XLM (or RWAs like tokenized Treasuries) and borrow USDC at competitive rates, with liquidations handled transparently via zero-knowledge proofs. As founder Royal F00l explained, “Institutions hoard BTC in custody; Templar lets you lend without surrender.” Raised $4M in pre-seed from NEAR Foundation, Robot Ventures, and others, Templar launched mainnet in Q3 2025. Now, Stellar’s 10M+ users get in: Deposit XLM, borrow USDC for remittances or DeFi plays, all in 5 seconds for pennies.

Why Stellar? Speed, RWAs, and Global Reach

Stellar was the perfect landing spot. Its network excels at payments, 1,000+ TPS, $0.00001 fees, and built-in RWA support. Templar unlocks XLM lending: Borrow against Lumens or BENJI ($849M fund) for yields up to 5%. As Denelle Dixon, Stellar’s CEO, might say (echoing ecosystem vibes), “Stellar bridges TradFi to DeFi seamlessly.” For RWAs, Templar adds borrowing power: Pledge tokenized bonds, borrow USDC for liquidity without selling. As a result, Stellar’s $639M RWA TVL, 94.8% in Treasuries, gets a DeFi boost. Early metrics? 10,000+ testnet users bridged $5M+ in Q4 2025. Thus, for Latin American remitters or EU institutions, it’s compliant, instant, and private.

The Impact: Multichain Lending and DeFi Explosion

This launch supercharges DeFi. Templar’s ZK protections prevent predatory liquidations. Borrowers stay sovereign. Lenders earn on XLM without custody risks. As CoinMarketCap notes, ZBCN (Templar’s token) surged 440% post-mainnet. Stellar adds scale: $4.2B quarterly volumes meet Templar’s MPC for cross-chain bridges to NEAR or Solana. For example, a freelancer deposits XLM on Stellar, borrows USDC, streams payments via Zebec, all trustless. Community buzz? “Templar on Stellar = cypherpunk payroll.” As adoption grows, $XLM could hit $0.50, with Templar’s $100M commitments signaling institutional buy-in. Hence, even retail users win: Lend XLM, earn yields, no KYC drama.

Stellar’s Horizon: Cypher Lending as the Next Wave

In short, Templar’s Stellar launch isn’t a side quest, it’s DeFi’s privacy upgrade. Borrow USDC against XLM or RWAs. No intermediaries. Multichain ready. For holders, it’s utility gold; newcomers, an easy borrow button. Platforms like Lumexo trade $XLM with low fees. As Q4 2025 unfolds, watch lending volumes soar. Blockchain isn’t centralized anymore. It’s yours.

Sources

Data articol: November 5, 2025