Stellar Lending Rates: Compare the Best (XLM) APY
Earn interest on Stellar up to 12% APY. Compare rates and features across 12 platforms.
Earn interest on Stellar up to 12% APY. Compare rates and features across 12 platforms.
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | AU Access |
|---|---|---|---|---|---|---|
| YouHodler | Go to Platform | 12% APY | — | — | — | Check terms |
| Nexo | Go to Platform | 11% APY | 5% APY | — | 210 days | Check terms |
| EarnPark | Go to Platform | 8% APY | — | — | 30 days | AU Available |
| Nebeus | Go to Platform | 4.5% APY | 4.5% APY | $2500 | — | Check terms |
| Kucoin | Go to Platform | 1.33% APY | — | — | — | Check terms |
| Blockchain.com | Go to Platform | 1% APY | — | — | — | Check terms |
| CEX.io | Go to Platform | 1% APY | — | — | — | Check terms |
Rates shown are the headline rates we track for Australia users; actual rates may vary by product, tier, or terms.
YouHodler currently offers the highest Stellar lending rate in Australia at 12.00% APY, matching its 30-day average of 12.00%.
| Provider | Current Rate | Trend | Average Rate |
|---|---|---|---|
| 12% | - | avg 12% | |
| 11% | avg 9.71% | ||
| 8% | avg 2.01% | ||
Best 30-day averageYouHodler (12% APY) | |||
We evaluate each platform on 5 factors. Higher stars = lower risk.
| Platform | Regulatory Status | Proof of Reserves | Track Record | Insurance |
|---|---|---|---|---|
| Nexo | EU (VARA Dubai, Multiple VASPs) | 2024-12 (Armanino) | Has issues | Custodial insurance |
