Stellar Lending Rates: Compare Best (XLM) APY in Germany
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 | Max Rate | Base Rate | Min Deposit | Lockup | DE Access | Action |
|---|---|---|---|---|---|---|
| Nexo | 11 % APY | 5 % APY | — | 210 days | Check terms | Go to Platform |
| Nebeus | 4,5 % APY | 4,5 % APY | $2500 | — | Check terms | Go to Platform |
| EarnPark | 8 % APY | — | — | 30 days | DE Available | Go to Platform |
| YouHodler | 12 % APY | — | — | — | Not DE | Go to Platform |
| Kucoin | 1,33 % APY | — | — | — | Check terms | Go to Platform |
| Blockchain.com | 1 % APY | — | — | — | Check terms | Go to Platform |
| CEX.io | 1 % APY | — | — | — | Check terms | Go to Platform |
Rates shown are the headline rates we track for Germany users; actual rates may vary by product, tier, or terms.
| Date | YouHodler | Nexo | Earnpark |
|---|---|---|---|
| 2026-01-06 | 12.00 | 11.00 | 0.08 |
| 2026-01-07 | 12.00 | 11.00 | 0.08 |
| 2026-01-08 | 12.00 | 11.00 | 0.08 |
| 2026-01-09 | 12.00 | 11.00 | 0.08 |
| 2026-01-10 | 12.00 | 11.00 | 0.08 |
| 2026-01-11 | 12.00 | 11.00 | 0.08 |
| 2026-01-12 | 12.00 | 11.00 | 0.08 |
| 2026-01-13 | 12.00 | 11.00 | 0.08 |
| 2026-01-14 | 12.00 | 11.00 | 0.08 |
| 2026-01-15 | 12.00 | 11.00 | 0.08 |
| 2026-01-16 | 12.00 | 11.00 | 0.08 |
| 2026-01-17 | 12.00 | 11.00 | 0.08 |
| 2026-01-18 | 12.00 | 11.00 | 0.08 |
| 2026-01-19 | 12.00 | 11.00 | 0.08 |
| 2026-01-20 | 12.00 | 11.00 | 0.08 |
| 2026-01-21 | 12.00 | 11.00 | 0.08 |
| 2026-01-22 | 12.00 | 11.00 | 0.08 |
| 2026-01-23 | 12.00 | 11.00 | 0.08 |
| 2026-01-24 | 12.00 | 8.00 | 0.08 |
| 2026-01-25 | 12.00 | 8.00 | 0.08 |
| 2026-01-26 | 12.00 | 8.00 | 0.08 |
| 2026-01-27 | 12.00 | 8.00 | 0.08 |
| 2026-01-28 | 12.00 | 8.00 | 0.08 |
| 2026-01-29 | 12.00 | 8.00 | 6.58 |
| 2026-01-30 | 12.00 | 8.00 | 8.00 |
| 2026-01-31 | 12.00 | 8.00 | 8.00 |
| 2026-02-01 | 12.00 | 8.00 | 8.00 |
| 2026-02-02 | 12.00 | 8.00 | 8.00 |
YouHodler currently offers the highest Stellar lending rate in Germany at 12.00% APY, matching its 30-day average of 12.00%.
| Provider | Current Rate | Trend | Average Rate |
|---|---|---|---|
| 12 % | - | avg 12 % | |
| 11 % | avg 9,93 % | ||
| 8 % | avg 1,44 % | ||
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 |
