The Rise of PayFi Is Here! Why Remittix Could Flip XRP and XLM In 2025
XRP and XLM test resistance zones, while Remittix (RTX) gains traction with real PayFi utility, multi-chain support, and a wallet launch set for September 15, 2025.

Payments-themed crypto is back in focus and not just because of headlines. XRP and Stellar (XLM) still command deep liquidity, but a utility rail under $1, Remittix (RTX), is building toward a dated product launch with multi-chain support. Below is the quick read on XRP and XLM right now, then why desks say RTX’s PayFi design could outpace them on a risk-adjusted basis in 2025.
XRP: Big Liquidity, Binary Levels
Live boards show XRP near $3.0 with multi-billion 24-hour turnover, ample depth for larger tickets.
Source: Tradingview
A common map is simple: reclaim and hold above $3.00–$3.20 to extend into the mid-$3s; fail the retest and risk a sharper fade. That exact fork continuation vs. correction is what recent CMC-Community analysis flagged, citing a developing bearish divergence unless the reclaim sticks.
XRP still defines payments beta, but when price stalls at resistance, allocators look for usage plays that don’t depend on a single breakout to move the needle.
Stellar (XLM): Constructive—If Momentum Holds
XLM trades around $0.41 today with healthy daily volume. A fresh CMC-Community post highlights a reclaimed 20-EMA, a bullish EMA20/SMA50 crossover, and a setup that could revisit $0.52 if momentum persists; $0.36 is the support to watch on dips. That keeps XLM in the conversation, but like XRP, follow-through is the key.
Source: CMC Community
XLM offers a cleaner near-term structure than many peers, yet its upside still tracks how quickly bids return to the broader payments trade.
Remittix (RTX): PayFi Built for Everyday Use—Under $1
Remittix is a cross-chain DeFi project designed for low-fee transfers with a public milestone investors can actually calendar: the Remittix Wallet beta goes live on September 15, 2025 with Ethereum + Solana support on day one. That pairing depth on ETH, speed on SOL aligns with how users already move value.
Why RTX is gaining traction
- Dated launch: Wallet beta Sept 15, 2025 (ETH + SOL confirmed).
- Crypto with real utility: Routes value on low gas fee networks.
- Cross-chain payout supporting 40+ cryptos and 30+ fiat currencies
- Transparent funding over $18M raised, 580M tokens sold priced at $0.0895.
In plain terms, where XRP/XLM need price confirmation, RTX advances on delivery. If on-chain activity lifts into Q4, cheaper rails and a mobile-first wallet can compound quietly without relying on a single headline to work.
The PayFi Flip Is a Utility Story
XRP and XLM remain core benchmarks for payments, but both still need clean closes through resistance to unlock their next legs. Remittix (RTX) brings a dated product, multi-chain rails, and real-world utility under $1. For portfolios that want payments, beta and adoption, the barbell is clear: keep XRP/XLM on the chart, add RTX for throughput and execution into 2025.Â
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Website: https://remittix.io/Â
Socials: https://linktr.ee/remittix
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