No I don't believe in XML
Why? Smart people are saying it's like ripple, Runned by some banks etc, and also tether is in same position... Specially Tether, because they can just print out new tokens, that is not the way, they can produce tokens out of thin air, well dunno really if they are backing up by something, but probobly not. But how then token could stay at price 1$?
Yes, I do. I trust Stellar Lumens and I hold some of these coins. I am glad that it is going up, and it has now better positions on the market than many other altcoins. However, no one can predict if it will grow further.