Stellar Lending Rates: Compare Best (XLM) APY
Earn interest on Stellar up to 12% APY. Compare rates and features on 12 platforms.
Earn interest on Stellar up to 12% APY. Compare rates and features on 12 platforms.
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | FR 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 | FR Available |
| YouHodler | Go to Platform | 12% APY | — | — | — | Not FR |
| 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 France users; actual rates may vary by product, tier, or terms.
| Date | YouHodler | Nexo | Earnpark |
|---|---|---|---|
| 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 |
| 2026-02-03 | 12.00 | 8.00 | 8.00 |
YouHodler currently offers the highest Stellar lending rate in France at 12.00% APY, matching its 30-day average of 12.00%.
| Provider | Current Rate | Trend | Average Rate |
|---|---|---|---|
| 12% | - | avg 12% | |
| 11% | avg 9,82% | ||
| 8% | avg 1,73% | ||
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 |
