It may be harmless, see whether you can dissolve it by stirring. On the other hand, XTOL has quite a reputation for turning bad very suddenly - in your place I'd run a test strip through it before using it on anything relevant.
I only use it one-shot, and even then, it sometimes turns sour on me after a pretty arbitrary amount of time - usually it is fine for more than half a year, but when it goes, it goes quick, within a week or two. Many people have reported that it may die on you overnight if you store it half-used. It really is a developer you ought to test after longer breaks.
If you don't use it one-shot, you may have to reconsider your habits - you should really change to one-shot or use more film and develop it on a more regular, frequent schedule. Developers designed for lab tank/hanger use do not really stand up well to multiple runs on a amateur schedule - tank developers have to be worked and replenished several times a week, or they get out of control.