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Stellar logo

Stellar (XLM) Lending Rates Up to 12% APY

Find the best XLM lending rates and earn up to 12% APY. Compare 12 platforms side-by-side.

Last updated: January 12, 2026|Advertising disclosure

Stellar Lending Guide

How to lend Stellar
Crypto lending guide

Calculate XLM Interest

NexoSponsored
Earn High Yields on Your Crypto with Nexo
  • Up to 18% APY on crypto and fiat currencies.
  • Daily compounding interest.
  • No lock-up periods, withdraw anytime.

Newly Added Coins to Lend

Pump.fun logo
Pump.fun (pump)
Berachain BERA logo
Berachain BERA (BERA)
USDT0 logo
USDT0 (usdt0)
Official Trump logo
Official Trump (trump)
USDtb logo
USDtb (usdtb)

Supported Lending Platforms

Nexo logo
Nexo
Nebeus logo
Nebeus
EarnPark logo
EarnPark
YouHodler logo
YouHodler
Blockchain.com logo
Blockchain.com
YouHodler

0.12% XLM

Similar Coins to Lend

eCash logo
eCash (XEC)
Bitcoin Gold logo
Bitcoin Gold (BTG)
Ravencoin logo
Ravencoin (RVN)
Decred logo
Decred (DCR)
Flux logo
Flux (flux)

Frequently Asked Questions About Stellar (XLM) Lending

What is Stellar (XLM) and what problem does it aim to solve?
Stellar is a decentralized protocol and network designed to enable fast, low-cost cross-border payments and asset transfers. Its core goal is to connect banks, payment systems, and people, allowing them to move money quickly and cheaply across borders with minimal friction. The Stellar Consensus Protocol (SCP) secures the network and enables scalable settlement, while the native token XLM acts as a bridge currency to facilitate trades and reduce liquidity requirements. For users, this means faster international transactions, lower fees, and improved access to financial services, especially in regions with limited banking infrastructure.
How can I use XLM in everyday transactions and payments?
XLM can be used to fund or settle payments on the Stellar network. If you have an XLM wallet, you can send tokens to other Stellar wallets or to recipients who support Stellar-based payments, often with very low transaction fees and quick finality (often seconds). Some services and exchanges also offer fiat-to-XLM conversion, remittances, and merchant integrations. When sending, consider the network fee and minimum balance requirements for your account, and ensure you’re sending to a valid Stellar address or using an anchor-based service that can convert XLM to a local currency. Always verify recipient details and network fees before initiating transfers.
What are some advanced considerations for investing in Stellar (XLM)?
Investors should evaluate Stellar's long-term utility, ecosystem growth, and competitive landscape. Key factors include: 1) Use-case adoption: partnerships with banks, payment processors, and anchors impacting real-world liquidity and transaction volumes. 2) Network fundamentals: the Stellar Consensus Protocol (SCP) and its resilience for high-throughput settlements. 3) Tokenomics: XLM's supply dynamics, circulating supply vs. total supply, and any burn or inflation mechanisms. 4) Regulatory and market risk: global financial regulations can influence cross-border payment projects. 5) liquidity and exchange coverage: availability on major exchanges, trading pairs, and staking or earning opportunities (if applicable). Diversify risk and only invest what you can afford to lose, keeping a keen eye on developments in the Stellar ecosystem.

Stellar XLM News

CME Group Weighs Issuing Proprietary Token for Collateral and Margin
February 4, 2026CME Group Weighs Issuing Proprietary Token for Collateral and Margin

CME Group CEO Terry Duffy said the derivatives exchange is weighing a proprietary digital token as it explores tokenized cash and onchain collateral for financial markets.

CME Group explores launching its own coin as exchange deepens tokenization push
February 4, 2026CME Group explores launching its own coin as exchange deepens tokenization push

CME Group CEO says the exchange is exploring tokenized cash and a potential proprietary coin as it reviews new forms of collateral.

Wall Street giant CME Group is eyeing its own 'CME Coin,' CEO says
February 4, 2026Wall Street giant CME Group is eyeing its own 'CME Coin,' CEO says

The initiative is part of CME's weighing on tokenized collateral, and the firm is collaborating with Google on a “tokenized cash” solution set to launch later this year.

Compare Stellar (XLM) Lending Rates

PlatformActionMax RateBase RateMin DepositLockupUS Access
NexoGo to Platform11% APY5% APY—210 daysCheck terms
NebeusGo to Platform4.5% APY4.5% APY$2500—Not US
EarnParkGo to Platform8% APY——30 daysNot US
YouHodlerGo to Platform12% APY———Not US
KucoinGo to Platform1.33% APY———Check terms
Blockchain.comGo to Platform1% APY———Check terms
CEX.ioGo to Platform1% APY———Check terms

1 — 10 / 12

Showing 1 to 10 of 12 results

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Historical Stellar lending rates (the United States)

Rates shown are the headline rates we track for the United States users; actual rates may vary by product, tier, or terms.

Loading chart...
Chart comparing rates for YouHodler, Nexo, Earnpark over the past 30-day

YouHodler currently offers the highest Stellar lending rate in the United States at 12.00% APY, matching its 30-day average of 12.00%.

30-DAY AVERAGE RATESArrows compare today vs 30-day average

ProviderCurrent RateTrendAverage Rate
YouHodler
12%-avg 12%
Nexo
11%avg 9.61%
Earnpark
8%avg 2.29%
Best 30-day averageYouHodler (12% APY)
Last updated: Feb 7, 2026, 08:25 AM

Platform Safety Information

We evaluate each platform's regulatory status, transparency, and track record.

PlatformRegulatory StatusProof of ReservesTrack RecordInsurance
NexoEU (VARA Dubai, Multiple VASPs)2024-12 (Armanino)Has issuesCustodial insurance
How we gather this information