Stellar Lending Rates: Compare Best (XLM) APY in South Africa

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

Last updated: 12 January 2026|Advertising disclosure

Stellar Lending Guide for South Africa

How to lend Stellar in South Africa

Cryptocurrency lending guide

Latest Stellar (XLM) Lending APY

Platform	Mint	APY
YouHodler	Stellar (XLM)	Up to 12% APY
Nexo	Stellar (XLM)	Up to 11% APY
Nebeus	Stellar (XLM)	Up to 4,5% APY
Kucoin	Stellar (XLM)	Up to 1,33% APY
Blockchain.com	Stellar (XLM)	Up to 1% APY
CEX.io	Stellar (XLM)	Up to 1% APY
EarnPark	Stellar (XLM)	Up to 0,08% APY

Platform

Mint

APY

Up to 12% APY

Up to 11% APY

Up to 4,5% APY

Up to 1,33% APY

Up to 1% APY

Up to 1% APY

Up to 0,08% APY

Historical Stellar lending rates (South Africa)

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

Rate data for YouHodler, Nexo, Earnpark
Date	YouHodler	Nexo	Earnpark
2025-12-30	12.00	11.00	0.08
2025-12-31	12.00	11.00	0.08
2026-01-01	12.00	11.00	0.08
2026-01-02	12.00	11.00	0.08
2026-01-03	12.00	11.00	0.08
2026-01-04	12.00	11.00	0.08
2026-01-05	12.00	11.00	0.08
2026-01-06	12.00	11.00	0.08
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

YouHodler currently offers the highest Stellar lending rate in South Africa 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 10,68%
Earnpark	0,08%	-	avg 0,08%
Best 30-day averageYouHodler (12% APY)

Last updated: 28 Jan 2026, 07:10

Frequently Asked Questions About Lending Stellar (XLM) in South Africa

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 South Africa?

Currently, there are several lending rates for Stellar (XLM) available in South Africa. While the average rate isn't specified, competitive options exist. For the best lending rates, consider checking local platforms like Luno or VALR to find the most favorable terms. Staying updated on these rates is crucial for optimizing your lending strategy in the South African cryptocurrency market.

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 South Africa