Stellar Lending Rates: Compare Best (XLM) APY in the UAE

Earn interest on Stellar up to 12% APY. Compare rates and features across 12 platforms in the UAE.

Last updated: 12 January 2026|Advertising disclosure

Stellar Lending Guide for the UAE Market

How to lend Stellar in the UAE

Cryptocurrency lending guide

Latest Stellar (XLM) Lending APY

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	UAE Access
Nexo	Go to Platform	11% APY	5% APY	—	210 days	Check terms
Nebeus	Go to Platform	4.5% APY	4.5% APY	$2500	—	Check terms
EarnPark	Go to Platform	8% APY	—	—	30 days	Not UAE
YouHodler	Go to Platform	12% APY	—	—	—	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

Platform

Action

Max Rate

Base Rate

Min Deposit

Lockup

UAE Access

Nexo

Go to Platform

11% APY

5% APY

—

210 days

Check terms

Nebeus

Go to Platform

4.5% APY

$2500

—

Check terms

EarnPark

Go to Platform

8% APY

—

30 days

Not UAE

YouHodler

Go to Platform

12% APY

—

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

Historical Stellar lending rates (the UAE)

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

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

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

Provider	Current Rate	Trend	Average Rate
YouHodler	12%	-	avg 12%
Nexo	11%		avg 9.61%
Earnpark	8%		avg 2.29%
Best 30-day averageYouHodler (12% APY)

Last updated: 7 Feb 2026, 02:35 PM

Platform Safety Information

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

How we gather this information

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

What are the current lending rates for Stellar (XLM)?

As of now, there are a total of seven lending rates available for Stellar (XLM). The average lending rate is currently not specified, but competitive options are available. For the best lending rate, check platforms like EarnPark to discover the most favorable terms. Staying informed about these rates is essential for optimizing your lending strategy in the cryptocurrency market.

What are the current lending rates for Stellar (XLM) in the UAE?

Currently, there are various lending rates for Stellar (XLM) in the UAE market. While the average rate isn't specified, competitive options exist. For the best lending rates, consider checking local platforms like Rain or BitOasis to find favorable terms. Staying updated on these rates is crucial for optimizing your lending strategy in the UAE cryptocurrency landscape.

How can I find the best lending rates for Stellar (XLM)?

To find the best lending rates for Stellar (XLM), you can use cryptocurrency comparison platforms like Bitcompare. They provide real-time data on various lending options, including the most competitive rates available. Currently, EarnPark offers one of the most attractive lending rates for XLM. Regularly checking these comparisons ensures that you stay informed about the best opportunities in the market, helping you make informed decisions regarding your Stellar holdings.

What factors influence lending rates for Stellar (XLM)?

Lending rates for Stellar (XLM) can be influenced by various factors, including market demand, overall cryptocurrency market conditions, and the specific policies of lending platforms. Additionally, the risks associated with lending and borrowing XLM, as well as the duration of the loan, can also affect rates. Staying informed about these variables is crucial, and Bitcompare provides insights and real-time updates to help you navigate the lending landscape for Stellar effectively.

Are there any risks associated with lending Stellar (XLM)?

Yes, there are several risks associated with lending Stellar (XLM). These include the potential for borrower default, market volatility affecting the value of XLM, and changes in lending platform policies. Additionally, the cryptocurrency market can be unpredictable, which may impact lending rates and terms. It is essential to conduct thorough research and stay updated with the latest news and market sentiment, which can be found on Bitcompare, to effectively mitigate these risks.

How often do lending rates for Stellar (XLM) change?

Lending rates for Stellar (XLM) can change frequently, often on a daily basis, due to fluctuations in market demand, liquidity, and borrower risk profiles. Various lending platforms may adjust their rates based on current market conditions and competitive pressures. To stay informed about these changes, it is advisable to regularly check platforms like Bitcompare, which provide real-time price comparisons and updates on lending rates for Stellar, ensuring you have the latest information readily available.

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