stellar's x-ray zk upgrade deploys january 22. xlm down 54% from highs at $0.214. u.s. bank tested stablecoins on stellar november, franklin templeton added xlm to their etf december. they needed privacy features before deploying real capital. bn254 curves and poseidon hashing go live in 48 hours. the only blockchain with production zk infrastructure and actual bank relationships trading at $6.9b market cap.