Stellar Lumens (XLM) has been one of the most recognized projects in digital assets for its role in cross-border payments. With partnerships that brought blockchain into remittance services, including integrations with MoneyGram, Stellar demonstrated that crypto could complement real-world financial infrastructure. For years, the community’s pride was rooted not in speculation but in adoption, as the network processed transactions for institutions and individuals alike.
Yet this focus on payments has not translated into significant token growth. Despite consistent network activity and utility, XLM has failed to capture the same market appreciation as Bitcoin, Ethereum, or Solana. Many long-term investors now question whether adoption alone is enough to drive wealth creation, which is why attention is beginning to shift toward XRP Tundra, a presale project that promises both utility and structured returns.
XRP Tundra introduces an unusual presale model in which every purchase provides two tokens at once. TUNDRA-S, deployed on Solana, underpins yield and ecosystem utility, while TUNDRA-X, native to the XRP Ledger, carries governance responsibilities and reserve functions. Together, they form a dual structure that balances throughput with accountability.
The project is now in Phase 4, where TUNDRA-S is priced at $0.068. Each transaction includes a 16 percent bonus allocation, and buyers also receive TUNDRA-X free of charge, which is valued at $0.034 for reference. At launch, TUNDRA-S is scheduled to trade at $2.50 and TUNDRA-X at $1.25. For Stellar investors accustomed to modest appreciation despite strong adoption, this level of presale clarity represents an opportunity rarely found in new projects.
Token launches are often destabilized by speculation and automated trading. XRP Tundra addresses this risk with Meteora’s DAMM V2 liquidity pools. Instead of flat fee structures, the pools apply dynamic fees that begin at high levels and gradually taper down, creating a disincentive for bots and early dumping. Liquidity positions are tracked through NFTs, which allow for flexible management, while permanent liquidity locks guarantee a baseline of tradability.
This architecture transforms the typically chaotic launch phase into a more orderly process. For Stellar’s community, which has seen XLM’s value dictated by broader market demand rather than engineered liquidity frameworks, XRP Tundra demonstrates how token stability can be actively built into a project’s design.
While Stellar established itself as a reliable payment network, it did not introduce native staking mechanics. XRP Tundra fills this gap with Cryo Vaults, where holders will be able to lock tokens across different time horizons and earn projected returns of up to 30 percent APY. Frost Keys, NFT-based tools within the ecosystem, add another layer by boosting staking rewards or reducing lock durations.
Although staking is not yet live, presale participants secure guaranteed access when Cryo Vaults open. This distinction is important for investors accustomed to Stellar’s limited utility: instead of holding tokens purely for transfers or speculation, Tundra holders can actively generate yield within the ecosystem.
Transparency remains one of the strongest indicators of long-term viability in presale projects. XRP Tundra’s contracts and tokenomics have been reviewed by Cyberscope, Solidproof, and Freshcoins. Team identity has been confirmed through Vital Block KYC, ensuring accountability that goes beyond anonymous development.
Independent analysts have also started highlighting the project. A recent Crypto DexWorld video discussed how XRP Tundra’s dual-token structure and defined launch prices distinguish it from conventional single-asset launches. For Stellar holders, who have often relied on adoption metrics as their primary measure of progress, this emphasis on verifiable tokenomics offers a more tangible investment thesis.
Stellar taught the crypto sector that digital assets could serve as efficient tools for global remittances. XRP Tundra extends that lesson into new territory by pairing Solana’s performance with XRPL governance, adding staking rewards, and deploying liquidity protection at launch. For a community that once rallied behind the vision of cross-border adoption, Tundra offers a chance to align that vision with direct financial upside.
As Phase 4 of the presale advances, XRP Tundra is gaining traction among investors who recognize that adoption and appreciation do not have to remain separate. Where Stellar prioritized function, Tundra merges function with wealth creation, presenting itself as a next-generation ecosystem for those ready to move beyond payments.
Reserve your Phase 4 presale allocation and follow verified updates:
Website: https://www.xrptundra.com/
Medium: https://medium.com/@xrptundra
Telegram: https://t.me/xrptundra
X: https://x.com/Xrptundra
Contact: Tim Fénix, contact@xrptundra.com

Highlights: Pakistan is considering a digital rupee and CBDC to cut remittance costs. The crypto market in Pakistan could unlock $25B in new economic growth. The CBDC pilot phase is in development with World Bank and IMF support. Pakistan is moving forward with plans to integrate blockchain technology into its financial system. The nation is considering introducing a rupee-backed stablecoin and central bank digital currency (CBDC). The objectives of these efforts are to reduce remittance costs, modernize access to finances, and promote economic growth. At the Sustainable Development Policy Institute (SDPI) Conference, leading financial authorities outlined the massive growth potential of crypto. They estimate Pakistanis holding up to $30 billion in crypto holdings. The annual crypto trading might soon reach $300 billion, which is nearly equivalent to the total GDP of the country. Zafar Masud, the president of the Pakistan Banks Association, pointed out the booming global stablecoin market. According to him, the nation is capable of exploiting $20-25 billion in the adoption of digital assets. He confirmed that Pakistan is “actively exploring a rupee-backed stablecoin” to increase access and efficiency. A digital rupee would enhance secure cross-border payment and financial inclusion. More than 100 million Pakistani adults are still unbanked, and the innovation is a pressing case. Pakistan Considers Rupee-Backed Stablecoin Amid $25B Loss Warnings Pakistani regulators are actively exploring the development of a sovereign-backed digital currency amid growing recognition of the transformative potential of cryptocurrencies and bloc…https://t.co/CVr2s8UeoU pic.twitter.com/Fma8WTIGP3 — Crypto Breaking News (@CryptoBreakNews) November 8, 2025 CBDC Prototype Underway The State Bank of Pakistan is proceeding with the development of its digital currency. Faisal Mazhar, the Deputy Director of Payments, revealed that a prototype of CBDC is underway. Additionally, the World Bank and International Monetary Fund are assisting this initiative. He further added that there would be a pilot phase before the full rollout of the currency. The CBDC is expected to make remittances cheaper and financial services more accessible across the country. According to the global specialist Yara Wu, such technology would make remittances faster, secure, and cheaper. Sajid Amin of SDPI emphasized the necessity of having proper regulation. He noted the relevance of cybersecurity, digital literacy, and risk management to safeguard consumers and investors. Fintech Innovation Fuels Growth The fintech industry in Pakistan is also on the rise. ZAR, a start-up that provides dollar-backed stablecoins, recently raised $12.9 million. Top investors, such as Andreessen Horowitz, Coinbase Ventures, and Dragonfly Capital, were the source of funding. ZAR has raised $12.9 million to bring ROCK. SOLID. DOLLARS. to the Global South Led by @a16zcrypto, with @dragonfly_xyz, @vaneck_us, @cbVentures, and Endeavor Catalyst. pic.twitter.com/0DKOlWMwSO — ZAR (@zardotapp) October 28, 2025 ZAR is dedicated to making stablecoins accessible to underserved populations in Pakistan. Their mission focuses on bridging the financial gap in emerging markets. Moreover, the firm is seeking to assist millions of people who have yet to access traditional banking services. In addition, this move matches government-led digital finance initiatives. The increased adoption is a positive sign of increasing cryptocurrency interest in Pakistan. Pakistan moved to the third position globally in the 2025 Global Crypto Adoption Index by Chainalysis. To build further on this momentum, Pakistan established a regulatory framework regarding virtual asset services. Licensing and supervision are being managed by the Pakistan Virtual Asset Regulatory Authority (PVARA). Firms have to comply with stringent compliance criteria under the Virtual Assets Ordinance 2025. These include the anti-money laundering (AML), know-your-customer (KYC), and counter-terrorism financing measures. This goal is to create a regulated, safe digital economy. Furthermore, PVARA also encouraged international crypto exchanges and service providers to apply for licenses in September. eToro Platform Best Crypto Exchange Over 90 top cryptos to trade Regulated by top-tier entities User-friendly trading app 30+ million users 9.9 Visit eToro eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you should not expect to be protected if something goes wrong.

