$XLM Catalyst Posts
September 18, 2026Single-day social intelligence recap and verified catalyst posts · ← Back to $XLM Profile · Market Rankings
💬 Curated Viral Posts & Community Evidence
65 source posts analyzed· 2026-09-18T20:20:30+00:00EVERY Bank moving forward will use XLM/XRP..
AI visual analysis: The image is a complex flowchart depicting a vast network of global financial institutions, payment systems, and cryptocurrency projects connected by multicolored arrows, illustrating interbank relationships and money transfer infrastructures. Prominent logos include XRP_1133_1221_11 (Ripple), Stellar, SWIFT, VISA, Mastercard, ISO, ISO 20022, ISO/TC 307, Federal Reserve, Bank of England, Banque de France, Deutsche Bundesbank, Banca d'Italia, De Nederlandsche Bank, UBS, SBI, Modulr, TrueLayer Payments, Trust Payments, PayPal, Apple Pay, GPay, Zip, and numerous fintech firms like Ripple, IBM (Weaver), and Hyperledger Fabric. The accompanying claim that "EVERY Bank moving forward will use XLM/XRP" is visually supported by the dense web of connections linking Ripple (XRP) and Stellar (XLM) to virtually every major central bank, payment network, and ISO standard (particularly ISO 20022
· 2026-09-18T21:44:07+00:00$XRP and $XLM are coiled for a reason that goes past the chart. Two rails. One rebuild. When the range breaks, the first move is a slingshot. The bigger move is the market starting to price them as settlement layers.
· 2026-09-18T20:37:01+00:00$XRP and $XLM are coiled together after the same risk flush. That’s paired compression. Two settlement layers, same psychology. Weak hands out. Range tight. The blowout is the break of the lid, not another green wick inside the box. Wait for expansion. That’s the setup.
· 2026-09-18T09:13:27+00:00LISTEN UP! All U.S. residents can now participate in the @Cassator staking feature. $XLM and other assets are live for staking in the Sl8 Social app. Stop standing around. Deploy your bags. That’s an order not financial advice. Join here: sl8.online/invite/UMhM9w
· 2026-09-18T09:04:48+00:00From treasuries and private credit to pre-IPO stocks, reinsurance and collector cars. These 18 teams are building real world assets onchain as RWA Foundation members. @Securitize @maplefinance @solana @avax @plumenetwork @PreStocks @DinariGlobal @StellarOrg @Brickken @DRVNLabo
AI visual analysis: An infographic titled 'RWA Foundation Members' displaying logos and descriptions for 18 member companies including Securitize, Maple Finance, Solana, and Avalanche, with the handle '@RWAFoundation_' at the bottom.
· 2026-09-18T21:07:04+00:00XRP, ETH, SOL, XLM going to get a nice boost. Looking forward to reading the market structure proposal from the CFTC. While it won't greenlight mass adoption like Clarity will, I think it will take the likes of XRP to a commodity classification with clear rules, making it the
AI visual analysis: The CoinDesk logo appears over an image of the U.S. Federal Reserve building with an American flag flying on top.
· 2026-09-18T15:03:19+00:00BREAKINGThe CFTC has sent its crypto market rulemaking to the White House for review. It’s titled “Regulation Crypto Asset Transactions and Regulation Crypto Asset Markets.” Congress stalled. The agencies are still moving. See what’s happening yet? $XRP $XLM
AI visual analysis: The image shows a "Pending EO 12866 Regulatory Review" entry with RIN 3038-AF80 titled "Regulation Crypto Asset Transactions and Regulation Crypto Asset Markets," submitted by the CFTC on 09/17/2026, supporting the post's claim that the CFTC has advanced its crypto market rulemaking to the White House for review.
· 2026-09-18T12:58:02+00:00I like that Sl8 didn’t turn the Ukraine event into a maze of different rates for every asset BTC, ETH, XLM, USDC and tokenized metals all follow the same schedule. The choice is really about time, 28% APY for 30 days followed by 38%, 50% and 62% for the longer terms It
AI visual analysis: An hourglass surrounded by gold and silver coins symbolizes time being the key variable in Cassator Corp.'s Staking Level 8 (Sl8) offering, where BTC, ETH, XLM, USDC, and tokenized metals all share a unified yield schedule—28% APY at 30 days, scaling up to 38%, 50%, and 62% for longer terms.
· 2026-09-18T00:58:00+00:00Stellar just hit a new scalability record. According to data from @chainspect_app , the @StellarOrg network has reached an 100-block TPS average of more than 211 tx/s. The milestone is significant given the network's emphasis on payments and cross-border transfers.
· 2026-09-18T15:42:09+00:00v27 is live on testnet2 and approaching mainnet, while v28 is already being tested for mainnet deployment. Hope Stellar doesn't announce v29 next week . I also doubt they'll have time to ship another release that fast. Stay tuned. #PiNetwork
· 2026-09-18T09:20:38+00:00never underestimate the power of a globally distributed team that deeply admires each other had an awesome full day session w the team @samconnerone @0xmikef @silencexlm @ezgiyaltay yesterday, fun things in the works once again…i love these humans so much!!!
· 2026-09-18T13:44:24+00:00Something feels different in the market today. BTC, ETH, XRP, SOL, XLM, PI — green across the board. It’s not just the prices. The overall market sentiment feels like it’s starting to shift. Is this just a short-term bounce… or the beginning of a bigger move?
AI visual analysis: The image shows a cryptocurrency markets screen from OKX, displaying all assets in green with notable gains: BTC at $78,870 (+3.21%), ETH at $2,523.81 (+3.13%), XRP at $1.3393 (+3.32%), SOL at $107.3 (+5.59%), XLM at $0.18826 (+2.64%), and PI Network at $0.08434 (+3.93%). This visual perfectly illustrates the post's observation of broad market positivity, with every listed ticker posting gains—supporting the author's question of whether this is a fleeting bounce or the start of a larger upward move.
· 2026-09-18T09:20:25+00:00This week: > P28 goes live on mainnet > @chainspect_app clocks Stellar at 211+ TPS across 100 consecutive blocks > Today, 216+ TPS Higher.
AI visual analysis: A dashboard widget displays "Stellar Max TPS (100 blocks)" with a current reading of "216.1 tx/s," corresponding to the post's celebration of ChainSpect app measuring Stellar's transactions per second exceeding 216, an improvement from the previously reported 211+ TPS.
· 2026-09-18T20:18:37+00:00Now live on Stellar mainnet: @PythNetwork 3,500+ first-party price feeds across equities, commodities, FX, and crypto, now in Soroban smart contracts. A technical guide for integrating it
AI visual analysis: A dark graphic with a yellow light sweep features the "PYTH | Stellar" logos alongside the text "Pyth Pro and 24/7 Indices Integration," visually announcing the deployment of Pyth Network's price feeds onto the Stellar mainnet for Soroban smart contracts.
· 2026-09-18T08:54:03+00:00It's Jed McCaleb's repost! Stellar and $XLM fans might want to set up notifications for when he posts. He doesn't post much, but when he does, it's definitely worth paying attention to!
AI visual analysis: The image shows a screenshot of an X (Twitter) post by verified account @RealAllinCrypto that was reposted by Jed McCaleb, claiming Stellar is leading the crypto industry in tokenized fund growth in 2026 with $2.5 billion added, putting it level with BNB Chain and ahead of Solana, Avalanche, XRP Ledger, and Base. The yellow circle highlights McCaleb's repost indicator at the top, emphasizing his rare endorsement, which aligns with the caption's note that his infrequent posts make this notable for $XLM and Stellar fans.
· 2026-09-18T08:00:02+00:00Top chains with highest Transactions last 30D Which one's your favorite pick? @solana @Aptos @BNBCHAIN @trondao @RobinhoodApp @base @SuiNetwork @0xPolygon @monad @StellarOrg
AI visual analysis: An infographic titled "TOP CHAINS WITH HIGHEST TRANSACTIONS LAST 30D" ranks Solana (3.1B) at the top, followed by Aptos (509.6M) and BNB Chain (496.5M), shared by Solana Hub.
· 2026-09-18T05:00:01+00:00Cheon Gi Nu Seol 2 Self-proclaimed constellation master Koo Bang-joo, the fraud, took advantage of the Stella Lumen DTCC news to make a hasty additional purchase of 380 units on the first day of the sharp rise. Thank you. $XLM
AI visual analysis: Screenshot of a Korean tweet from 'Noah' Ark @bushinindustry discussing feelings of being played by someone, mentioning 'XRP' investments, 380 units, and a $1000 investment.
· 2026-09-18T16:15:02+00:00New voices just added to the Meridian 2026 stage, including: Doni Shamsuddin, @melloninvests Elizabeth Yenko, @NYLIManagement Eli Cohen, @centrifuge Andrew Scott, @Marketnode Ranjit Gill, Kenanga Investors Berhad See you in Lisbon.
AI visual analysis: A promotional graphic for Stellar's Meridian 2026 conference in Lisbon (October 28-29, 2026) showcases speaker preview photos of Doni Shamsuddin (BNY Investments), Elizabeth Yenko (New York Life Investment Management), Eli Cohen (Centrifuge), Andrew Scott (Marketnode), and Ranjit Gill (Kenanga Investors Berhad), announcing these newly added speakers to the event's lineup.
· 2026-09-18T21:00:10+00:00XLM RICH LIST ALERT! The accumulation is getting harder to ignore… Who’s stacking XLM before the next big move? #XLM #StellarLumens #Stellar #Crypto #XLMCommunity #CryptoNews #Altcoins
· 2026-09-18T05:30:00+00:00천기누설3 자칭 별자리 마스터 구방주 사짜는 스텔라루멘 총 수량 580개를 보유하고 몇시간 후 20개를 더 구매하였습니다. 사짜의 스텔라 보유량은 600개 입니다. 감사합니다. $XLM
AI visual analysis: A tweet from verified account @bushinindustry reading "나 샀어요!! 380개 받고 20개 더 ㅋㅋㅋ" with timestamp "오후 7:14 · 2026년 5월 29일 · 198 조회수".
· 2026-09-18T04:00:00+00:00Spoiling the Heavens Self-proclaimed zodiac master Koo Bang-joo, the fraud, predicted the retrograde of secondary Mercury in Stellar Lumens one month in advance—around late May 2026—and at that time, he actually only held exactly about 200 units of Stellar Lumens worth 50,000
· 2026-09-18T04:59:54+00:00i’m genuinely curious about @BITFOOTS_ after seeing how the wl works the two friend voucher mechanic feels different from the usual setup, and the ordinal wallet hint makes me even more curious would love to experience this one from inside the woods, not just watch from the
AI visual analysis: A pixel art illustration of a blue character with yellow eyes, a wide open mouth, and a curled trunk-like feature.
· 2026-09-18T16:53:07+00:00Happy Friday! Excited for season 3 of Deep Dive Podcast, with a bigger focus on AI + health/wellness. Upcoming guests include: Luke Tuttle of @MoneyGram @ysiu of @animocabrands Ronald Wayne, Apple co-founder @DenelleDixon of @StellarOrg @tomerweller of @BuildOnStellar and many
· 2026-09-18T15:49:53+00:00. @samconnerone This one’s right up your alley as a key lead on Circle & Arc, you need to see this. @normalfi already has a LIVE product and stacked partnerships with Stellar, MoneyGram, Halborn, Draper University, Turnkey, LI.Fl and more. This is a team that ships, full stop.
· 2026-09-18T17:10:54+00:00$ZBCN payment infrastructure is growing. These August numbers speak for themselves. • Card volume of $71M • Served 15,800 employees • Payroll volume of $54M per month • 500K+ transactions in 97 countries • 269 enterprise clients • Expansion of payroll on Stellar Zebec is
AI visual analysis: A Zebec Network monthly report dashboard for August 2026 showing Zebec Cards statistics ($71M total card volume, 24,855 cards issued, 500K+ transactions, 97 countries) and Payroll data ($27M biweekly, $54M monthly, 15,800 employees served, 269 enterprise clients).
· 2026-09-18T08:25:47+00:00GM GM CASSATOR ARMY. The Ukrainian independence day staking event is in its final sprint stage inside the SL8 Social app. Let’s make it count. LFG #XLM
AI visual analysis: A smartphone displaying a 'Create New Staking' interface with various staking plan options (30, 90, 180, 360 days) and APY rates, set against a tropical beach background.
· 2026-09-18T16:41:31+00:00We've seen $ZEC pumping of late, but what about other privacy coins like $XLM and $DASH Will they catch up anytime soon ?
AI visual analysis: A digital rendering of a Bitcoin logo, featuring a black 'B' symbol on a yellow circle with a thick black border.
· 2026-09-18T00:58:41+00:00THIS is what real utility looks like. Stellar keeps quietly building the rails for an always-on financial system. Payments. Cross-border settlement. Tokenized assets. Banking infrastructure. And now the network is demonstrating even greater throughput. $XLM isn't chasing a
· 2026-09-18T20:29:57+00:00Meet Pyth Pro and Pyth Indices! Live on Stellar mainnet… institutional grade, first-party market data now available inside Soroban smart contracts. Stellar already hosts a growing tokenized real-world asset market (around $4 billion). Those assets trade around the clock,
AI visual analysis: White background displaying the Pyth Network logo in dark blue text with its stylized 'P' symbol.
· 2026-09-18T19:00:43+00:00STELLAR’S KAIKO INVESTMENT FITS DIRECTLY INTO DENELLE DIXON’S 2026 PLAYBOOK. @DenelleDixon has been clear from the start of the year that @StellarOrg 's strategy is about deciding where to invest, which partners to back and what infrastructure actually moves the network
· 2026-09-18T18:50:36+00:00When you join the Cassator mailing list, Pandora’s box opens. The first-to-know circle gets access to each new launch, offer, documentation, and terms… before anyone else. #XRPL #STELLAR The list is open now. Join by simply creating an account (comments) So far this month
AI visual analysis: An email notification from 'SI8' dated 10/09/2026 with the subject 'New Features = New Opportunities and Rewards!' promoting Cassator Corp. with images of silver and gold XRP coins, labeled 'XRP WEEK - SL8'.
· 2026-09-18T04:17:27+00:00The Quantum Financial System is coming, XRP and XLM - digital assets are here to stay whether you like it or not. The XRP XLM QFS Manual is intended for the new user who knows nothing about Nesara - Gesara, XRP, XLM and digital assets. for more information on how to setup your
· 2026-09-18T19:06:43+00:00Arc Portal brings wallet creation, funding, swaps, sends, app discovery, and agent-wallet controls into one place. A clear path from exploring @Arc to taking action. Learn More
· 2026-09-18T19:00:47+00:00GREEN ACROSS THE BOARD! $XRPI SALGOI $ETHI $BTC | $HBARI $XLM THE MARKET JUST WOKE UP.
AI visual analysis: Crypto price tracker screenshot showing XRPUSD, XLMUSD, HBARUSD, ALGOUSD, BTCUSD ($80,804.57), and ETHUSD ($2,594.17), all displaying green positive percentage gains.
· 2026-09-18T09:08:41+00:00Now lets compare @Kinetiq_xyz at $65mc generating $500k monthly in revenue with others: Cardano — $8.0B valuation / ~$35K monthly revenue Stellar — $6.2B valuation / ~$39K monthly revenue Polkadot — $2.0B valuation / ~$0 monthly revenue Algorand — $0.8B valuation / ~$500
· 2026-09-18T22:13:59+00:00Big players are buying XRP & XLM Keep yours connected to Web3, not frozen in a cold wallet. #XRP #XLM #Ripple #Crypto #web3 #newyork
· 2026-09-18T01:08:22+00:00STELLAR XLM LEADS THE PAC $6.5M tokenized in the last 24 hrs, #XLM
AI visual analysis: A graphic shows the Stellar logo with the text '$6.5M' and 'Stellar led tokenized U.S. T-bill growth with $6.5 million over the last 24 hours,' credited to RWA Foundation and sourced from Token Terminal.
· 2026-09-18T05:03:38+00:00BRICS will use #XRP and #XLM! XRP > GOLD XLM > SILVER
AI visual analysis: A close-up photograph of cryptocurrency coins, prominently featuring a gold-colored coin labeled 'XRP' and a silver-colored coin labeled 'XLM'.
· 2026-09-18T08:53:30+00:00XRP TO $100 !!! (8,666X XLM!) if the DTCC's $114 TRILLION in custodial assets XRP TO $100!!! (8,666X XLM!) If the DTCC's $114 TRILLION in custodial assets are settled on the Ripple network, XRP could theoretically reach $100 per coin.#Crypto #XRP #CLARITYAct
· 2026-09-18T01:17:28+00:00XRP TO $100 !!! (8,666X XLM!if the DTCC's $114 TRILLION in custodial assets XRP TO $100!!! (8,666X XLM!)If the DTCC's $114 TRILLION in custodial assets are settled on the Ripple network, XRP could theoretically reach $100 per coin.#Crypto #XRP #CLARITYAct
· 2026-09-18T00:45:38+00:00Swifts Alisa DiCaprio “the population of institutions that are really moving far ahead, way far ahead of us” #swift #iso20022 #defi #rwa #tokenization #xrp #hbar #xlm #sol #polygon #avalanche #algo
· 2026-09-18T22:59:00+00:00Most traded pair on Stellar this week? $XLM / $USDC Over $18M in 7-day trading volume across the #Stellar↓ lumoscore.com/trade/stellar/ …
AI visual analysis: A graphic for LUMOSCORE announcing the 'Most traded pair on Stellar this Week', highlighting the USDC/XLM trading pair with corresponding token logos.
· 2026-09-18T16:04:03+00:00Stablecoin market cap growth by chain over the past 24 hours. $ETH added +$312.5M, roughly 10x $AVAX in second place and about three quarters of the top 5's growth. $AVAX , $HYPE and @inkonchain were close together, each adding between $25M and $32M. $XLM rounded out
AI visual analysis: A bar chart titled 'Market cap growth by chain' showing stablecoin growth over the past 24 hours, with Ethereum leading at +$312.5M, followed by Avalanche (+$31.6M), HyperEVM (+$27.9M), Ink (+$25.4M), and Stellar (+$12.3M), sourced from Token Terminal by RWA Foundation.
· 2026-09-18T08:54:08+00:00XRP TO $100!!! (8,666X XLM!) If the DTCC's $114 TRILLION in custodial assets are settled on the Ripple network, XRP could theoretically reach $100 per coin.#Crypto
· 2026-09-18T03:27:02+00:00MASSIVE NEWS The Collapse Won't Be Announced. Prepare Now. Silent System WEB3 Bank: Prepare Now. For more information and guidelines on converting your fiat currency into the new digital currencies XRP and XLM, setting up your Web3 account, securing your digital assets,
· 2026-09-18T00:17:47+00:00Every transfer follows a path. We're building Senda, a way to send money that arrives fast, with trust, and without exposing the person who receives it. @BuildOnStellar @StellarOrg @TheBAFNetwork
· 2026-09-18T04:00:15+00:00Turn your market view into a prediction with @clickoptions_ai Choose Direction or Touch predictions Explore BTC, ANTH, ETH, LINK, XLM, XAUT & more Set your target and check the potential return A simple way to explore crypto prediction markets Start predicting with
· 2026-09-18T01:46:59+00:00$FET vs $XLM
· 2026-09-18T03:25:10+00:00Stellar sure is working hard for us!
· 2026-09-18T22:53:11+00:00Hoy me tocó estar del otro lado. Hace no mucho era yo el que no sabía ni cómo armar un deck para aplicar a un SCF. Hoy di un workshop contando todo lo que aprendí en el camino, lo que funcionó y lo que no para @StellarOrg . Gracias @TheBAFNetwork por la oportunidad
AI visual analysis: A Google Meet video call screenshot from October with participants including Adriana Villafraz, Fidelina Arteaga, Pablo Sebastian Gómez, Linder Lopez Rivera, Matias Wald, Dario Sanchez (active speaker), Eros Nahuel Zárate, 15 others, and Alejandro Alvarez.
· 2026-09-18T07:42:06+00:00XRP TO $100 !!! (8,666X XLM!) if the DTCC's $114 TRILLION in custodial assets XRP TO $100!!! (8,666X XLM!) If the DTCC's $114 TRILLION in custodial assets are settled on the Ripple network, XRP could theoretically reach $100 per coin.#Crypto #XRP #CLARITYAct
· 2026-09-18T03:47:08+00:00MASSIVE NEWS The Collapse Won't Be Announced. Prepare Now. Silent System WEB3 Bank: Prepare Now. For more information and guidelines on converting your fiat currency into the new digital currencies XRP and XLM, setting up your Web3 account, securing your digital assets,
· 2026-09-18T14:28:00+00:00IF YOU HOLD XRP, XLM & XDC YOU ARE GETTING READY TO BE ONE WEALTHY PERSON Take control of your financial future by combining crypto ownership with proper asset protection planning. Comment " Setup" for a detailed explanation on how to move out of Exchanges #XRP #Crypto
· 2026-09-18T22:05:38+00:00XRP Fighting With XLM #XRP #Ripple #Crypto #XRPCommunity #CryptoNews
· 2026-09-18T07:11:24+00:00$XLM is sitting at $0.18 and somehow the market acts like this chart has no memory. It does. Every major expansion left a level behind. $0.299 → $0.637 → $0.797 That’s the roadmap I’m watching. And notice what’s happening now: $XLM is once again
AI visual analysis: A TradingView price chart for the XLMUSDT cryptocurrency pair with a dramatic upward trend projection, showing historical prices at 0.7977, 0.6375, and 0.2991 with a projected +3,300% increase to 8 bars.
· 2026-09-18T07:59:10+00:00Congrats on the Instaward, @getsweldo ! Excited to see this move into Testnet <> Mainnet and get real users testing the experience. Looking forward to seeing what you build next for simpler payouts. Now it’s time to build, make progress, and grow your startup. This
AI visual analysis: Promotional graphic with 'sweldo.' logo announcing 'WE'RE IN' and stating 'Sweldo has been awarded an Instaward by the Stellar Development Foundation' with tagline 'Build on Stellar. Get paid with Sweldo.'
· 2026-09-18T06:00:01+00:00천기누설4 자칭 별자리마스터 구방주 사짜는 스텔라루멘 총 수량 600개를 보유하고 DTCC 때문에 계속 오르는 스텔라에 포모를 못참고 거금 800만원을 투자하여 380원에 약 21050개를 취득하였습니다. 사짜의 스텔라 보유량은 약 21650개 입니다. 감사합니다. p.s 사짜는 업비트에서 380원에
AI visual analysis: A Korean tweet from 'Noah Ark' (@bushinindustry) discusses XRP maxi culture, mentioning bitcoin also supporting XRP and plans to give away 26,000 won worth to 300 people.
· 2026-09-18T09:01:41+00:00Stellar Residency’de ikinci gün sabahı hızlı başladı. Bugün builderlarımız projelerini sunup @StellarOrg ekibinden feedback alacaklar. Aynı zamanda sizlere yeni içerikler de pişiriyoruz. @riseinweb3 @BuildOnStellar
AI visual analysis: A man wearing a black t-shirt with a graphic reading 'PRO HACKATHON RESIDENCY' stands with his back to the camera in a kitchen.
· 2026-09-18T15:49:31+00:00Cards and payroll at scale • $71M total card volume • 24,855 cards issued • 500K+ transactions across 97 countries • $54M monthly payroll volume • 15,800 employees served • 269 enterprise clients
· 2026-09-18T20:00:20+00:00GRAYSCALE THINK WE ARE ENTERING A BULLRUN! @Grayscale says $BTC 's $58k low in June was the THE BEAR MARKET BOTTOM! They are now giving clients the GREEN LIGHT TO ALLOCATE TO CRYPTO! Is the Bull Run on?? $HBAR $XLM $ETH $XRP $SOL
AI visual analysis: The Grayscale logo displayed in white text on a purple gradient background.
· 2026-09-18T15:49:32+00:00Enterprise payroll expanded on @StellarOrg . Since our @UpholdInc Spaces earlier this month, enterprise USDC payroll on Stellar has grown from 15 to 18, representing a ~$5M annualized run rate. Support continues to grow through @MoneyGram cash access, @Tangem wallets and
· 2026-09-18T14:45:31+00:00Right?!! I just want some XRP swag, @Ripple Shit, even Stellar sent me some socks
· 2026-09-18T04:48:30+00:00【 #仮想通貨 #ビットコイン 最新ニュース】 ステラ、アップグレード「Adapter」をメインネットで稼働開始
· 2026-09-18T17:11:17+00:00お金と時間を失った事ってこれ以上ない最高の学びになっている 失敗や経験は血肉になるよね
AI visual analysis: An illustration of office workers showing one person changing from content to worried as a downward red arrow chart appears, with Japanese text reading '人は説得では変わらない 損をした時に変わる' (People don't change through persuasion; they change when they suffer a loss).
· 2026-09-18T02:40:05+00:00ステラ、アップグレード「Adapter」をメインネットで稼働開始 コンセンサス処理を高速化