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Stellar logo

Stellar Lending Rates: Compare the Best (XLM) AER in the UK

Earn AER on Stellar of up to 12%. Compare rates and features across 12 platforms in the UK.

Last updated: 12 January 2026|Advertising disclosure

Stellar Lending Guide in the UK

How to lend Stellar in the UK
Cryptocurrency Lending Guide

Calculate XLM AER

NexoSponsored
Earn High Yields on Your Cryptocurrency
  • Up to 18% AER on cryptocurrency and fiat currencies.
  • Daily compounding AER.
  • No lock-in periods, withdraw at any time.

Newly Added Cryptocurrencies 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)
YouHodler

0.12% XLM

Similar Cryptocurrencies to Lend

Bitcoin logo
Bitcoin (BTC)
XRP logo
XRP (XRP)
Dogecoin logo
Dogecoin (DOGE)
FYDcoin logo
FYDcoin (FYD)
USDC logo
USDC (USDC)

Supported Lending Platforms in the UK

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

Frequently Asked Questions About Lending Stellar (XLM) in the UK

What is Stellar (XLM) and what is it used for?
Stellar is a decentralized blockchain platform designed to enable fast, low-cost cross-border payments and asset transfers. Its native token, XLM (the lumens), serves multiple purposes: paying network fees, helping to stabilize the mining or consensus process, and acting as a bridge currency to facilitate liquidity between different fiat currencies and crypto assets. The Stellar protocol emphasizes accessibility for financial institutions, developers, and individuals, aiming to reduce the complexity and cost of sending money across borders.
How fast and cheap are Stellar transactions compared to other networks?
Stellar is designed for speed and low fees. Transactions typically settle in a few seconds, with average fees measured in fractions of a cent due to the network’s consensus mechanism (Stellar Consensus Protocol). This makes XLM transfers particularly attractive for remittances, micropayments, and real-time settlement scenarios. While fees can vary slightly during periods of high activity, Stellar generally maintains a cost structure substantially lower than traditional payment rails and many other blockchain networks.
What factors influence the price of Stellar (XLM) today?
XLM price is influenced by a combination of market demand, overall crypto sentiment, and developments in the Stellar ecosystem. Key drivers include partnerships with financial institutions, integration of Stellar-based payment rails, regulatory news, and competitive dynamics with other payment-focused blockchains. External factors like macroeconomic trends and broader crypto market cycles can also impact XLM’s price. As of recent data, XLM has experienced price fluctuations alongside the broader market, so monitoring trading volumes and on-chain activity provides a clearer picture of sentiment.
How can I buy, store, and secure XLM safely?
To buy XLM, you can use major exchanges that list XLM and convert fiat or other cryptocurrencies into XLM. After purchase, you can store XLM in several ways: a software wallet (desktop or mobile) for ease of access, or a hardware wallet for enhanced security. If you hold a large amount, consider a cold storage solution and enable all available security features (strong passphrases, 2FA, and backup seed phrases). Always use reputable exchanges and wallets, verify recipient addresses carefully when transferring, and avoid keeping large balances on exchange wallets for extended periods to minimize counterparty risk.
What are the key technical features of Stellar that developers should know?
Stellar employs the Stellar Consensus Protocol (SCP), a Federated Byzantine Agreement-style mechanism that enables fast finality and low energy consumption. The protocol supports issuing and transferring assets on the network via smart contracts-lite capabilities and trust lines, which allow users to hold multiple assets issued on the Stellar network. Developers can build payment rails and tokenized assets using Stellar’s SDKs and APIs, enabling interoperability between fiat currencies and digital assets. For security and reliability, keep an eye on network upgrades, ecosystem tooling, and issuer/trustline configuration to ensure asset integrity.

Stellar XLM News in the UK

3 Altcoins To Watch In The Third Week of January 2026
January 19, 20263 Altcoins To Watch In The Third Week of January 2026

These three altcoins are facing volatility as key upgrades and supply changes shape price action in the third week of January.

CME Expands US Crypto Futures Lineup with New Altcoin Contracts
January 15, 2026CME Expands US Crypto Futures Lineup with New Altcoin Contracts

CME Group plans to add futures tied to Cardano, Chainlink and Stellar, building on its existing US-regulated crypto derivatives for Bitcoin, Ether, XRP and Solana.

Chainlink, Cardano and Stellar Futures Begin Trading on CME Next Month - Decrypt
January 15, 2026Chainlink, Cardano and Stellar Futures Begin Trading on CME Next Month - Decrypt

CME Group plans to launch Cardano, Chainlink, and Stellar futures on February 9, pending approval.

Latest Stellar (XLM) Lending AER

PlatformCoinAER
NexoStellar (XLM)Up to 8% AER
NebeusStellar (XLM)Up to 4.5% AER
EarnParkStellar (XLM)Up to 8% AER
YouHodlerStellar (XLM)Up to 12% AER
Blockchain.comStellar (XLM)Up to 1% AER
CEX.ioStellar (XLM)Up to 1% AER

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