How to Lend Stellar (XLM): A Step-by-Step Guide

Introduction

Lending Stellar can be a great option for those who want to hold XLM but earn yield. The steps can be a little daunting, especially the first time you do them. That’s why we’ve put this guide together for you.

Step-by-Step Guide

1. Obtain Stellar (XLM) Tokens
In order to lend Stellar, you need to have it. To obtain Stellar, you’ll need to purchase it. You can choose from these popular exchanges.
Platform Coin Price
Nexo Stellar (XLM) 0,23
PrimeXBT Stellar (XLM) 0,22
EarnPark Stellar (XLM) 0,22
YouHodler Stellar (XLM) 0,22
Binance Stellar (XLM) 0,22
Coinbase Stellar (XLM) 0,22
See all 70 prices
2. Choose a Stellar Lender
Once you have XLM, you’ll need to choose a Stellar lending platform to lend your tokens. You can see some options here.
Platform Coin Interest rate
Nexo Stellar (XLM) Up to 8% APY
Nebeus Stellar (XLM) Up to 4,5% APY
EarnPark Stellar (XLM) Up to 8% APY
YouHodler Stellar (XLM) Up to 12% APY
Blockchain.com Stellar (XLM) Up to 1% APY
See all 12 lending rates
3. Lend Your Stellar
Once you’ve chosen a platform to lending your Stellar, transfer your Stellar into your wallet in the lending platform. Once it’s deposited, it will start earning interest. Some platforms pay interest daily, while others are weekly, or monthly.
4. Earn Interest
Now all you need to do is sit back while your crypto earns interest. The more you deposit, the more interest you can earn. Try to make sure your lending platform pays compounding interest to maximise your returns.

Platform	Coin	Price
Nexo	Stellar (XLM)	0,23
PrimeXBT	Stellar (XLM)	0,22
EarnPark	Stellar (XLM)	0,22
YouHodler	Stellar (XLM)	0,22
Binance	Stellar (XLM)	0,22
Coinbase	Stellar (XLM)	0,22

Platform	Coin	Interest rate
Nexo	Stellar (XLM)	Up to 8% APY
Nebeus	Stellar (XLM)	Up to 4,5% APY
EarnPark	Stellar (XLM)	Up to 8% APY
YouHodler	Stellar (XLM)	Up to 12% APY
Blockchain.com	Stellar (XLM)	Up to 1% APY

What to be Aware of

Lending your crypto can be risky. Make sure you do your research before depositing your crypto. Don’t lend more than you’re willing to lose. Check their lending practices, reviews, and how they secure your cryptocurrency.

Latest Movements

Stellar (XLM) is currently priced at US$1 with a 24-hour trading volume of US$490.63M. The market cap of Stellar stands at US$12.06B, with 30,38B XLM in circulation. For those looking to buy or trade Stellar, Nexo offers avenues to do so securely and efficiently

Market cap: US$12.06B
24h volume: US$490.63M
Circulating supply: 30,38B XLM

See latest information

Frequently Asked Questions About Lending Stellar (XLM)

What are the current lending rates for Stellar (XLM)?: The current lending rates for Stellar (XLM) include a total of seven available options, but the average lending rate is not specified at this time. The best lending rate can be found on YouHodler. These rates may fluctuate based on market demand and the specific policies of lending platforms. For the most accurate and up-to-date information on lending rates, it is advisable to regularly check platforms like Bitcompare, which provide real-time comparisons and insights specific to Stellar lending opportunities.

Stellar XLM News

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.

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.

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.