Best Stellar XLM Interest Rates and Highest Yield

Best Stellar XLM interest rates and highest yields

Welcome to this article about how to earn XLMiInterest and Stellar Lumens passive income. We list the best Stellar Lumens XLM APY and highest yields.

Make sure you just don´t hold Stellar XLM in a wallet but deposit them into an interest generating account. By doing this, you will earn crypto passive income and grow your Stellar XLM wallet value without doing nothing.

However, as for any investment, you must consider the risks involved with such interest accounts and that´s why we have a summary of the risks in the end of this article.

Best Stellar XLM Interest Rates APY

In the table below, you find all the best Stellar XLM interest rates APY so you can earn the highest yields on your deposits.

As you can see, there is a big difference dependent on which account you chose to deposit into.

However, you should be aware of that NEXO and have certain requirements to receive the highest yield.

YouHodler, on the other hande, have a flat rate with no extra requirements to achieve their highest yield.




*Sign up bonus with terms and conditions

**Reduction in fees

Coinloan Stellar XLM Interest Rates for US

Coinloan offers the best Stellar XLM interest rates for US citizens. If you deposit your Stellar XLM coins to Coinloan you can earn up to 7.2% APY. 

Coinloan is a peer-to-peer online cryptocurrency lending platform that matches lenders and borrowers. Here, lenders earn interest on their deposits and borrowers can use their crypto as collateral to fund a loan.

Read more about Coinloan interest rates, fees, the CLT token, and loyalty levels.

YouHodler - Earn Stellar XLM Interest

YouHodler is offering the best Stellar XLM interest rate, 4.5%. Here, you can earn the highest yields on your XLM depositing without any loyalty levels or extra requirements.

You are able to get higher interest rates with NEXO and Crypto_com but make sure you understand they have staking requirements and lock up periods to achieve this high yields and interest rates. Read more about those requirements and loyalty levels further down.


YouHodler Pros and Cons


  • No loyalty levels
  • No lock up periods


  • No signup bonus
  • Maximum limit of $100.000 to receive interest on

NEXO - Earn Stellar XLM Interest

Nexo is offering the possibility to earn the best Stellar XLM interest rate.

However, to receive the best Stellar XLM yield you would need to

  • Hold a certain amount of NEXO tokens in your account (10% for the highest interest rates)
  • Lock up your funds for 1 month
  • Chose to receive the interest payouts in the NEXO token

NEXO Pros and Cons



  • Complicated loyalty structure
  • You need to hold NEXO tokens and receive NEXO tokens as payments to receive the best interest rates

Crypto_com - Earn Stellar XLM Interest

Crypto_com has a feature called Crypto_com Earn where you can deposit cryptocurrencies, such as Stellar XLM, to earn interest.

Crypto_com is a complete ecosystem of cryptocurrency features but here we focus on the Crypto_com Earn feature. Follow this link for more information regarding the Crypto_com app and referral code.

Make sure to understand that the Stellar XLM interest rate you will receive is dependent on

  1. Your CRO staking amount
  2. The lock up period you chose Referral Code: mcmk7qgbhh

Binance - Earn Stellar XLM Interest

Binance Earn is a feature on Binance Exchange where you can earn Stellar XLM interest rate. However, this is definitely no the best interest rate you can earn on your Stellar XLM and you should definitely check the other listed alternatives.

However, there are certain cryptocurrencies where Binance Earn is superior to the alternatives.

What is Stellar XLM?

Stellar, or Stellar Lumens, is a decentralized protocol for digital currency to fiat money low-cost transfers.

This allows for cross-border transactions between any pair of currencies.

Stellar code is very similar to Ripples where they both uses a distributed ledger protocol to process transactions.

In fact, lots of people think that it is a fork of Ripple, however, the Stellar Lumens developers say that it is not.

Stellar XLM History

In 2014, Jed McCaleb, founder of Mt. Gox and co-founder of Ripple, launched the Stellar network.

The nonprofit Stellar Development Foundation was created to develop the decentralized network. Stellar development foundation was created in collaboration with Stripe CEO Patrick Collison and the project received $3 million in seed funding from Stripe. 

Stellar basic Tokenomics

Stellar was released as a decentralized payment network and protocol with a native currency, Stellar. At its launch, the network had 100 billion stellars. 25 percent of those would be given to other non-profits working toward financial inclusion. Stripe received 2 percent or 2 billion of the initial stellars in return for its seed investment. The cryptocurrency, originally known as stellar, was later called Lumens or XLM. 

Risks - Earn Stellar XLM Interest

As for any investment, there are certain risks associated with earning Stellar XLM interest.

This is especially true since the above listed examples involve a 3th party that will hold your Stellar XLM coin to generate interest on them for you.

Here are some risks (not limited to, always do your own research)

  1. The company you deposit into can go bankrupt
  2. The company you deposit into can be hacked
  3. The cryptocurrency you own can loose in value (Also, some of the above companies have lock up periods and you might not be able to sell in time)

Make sure you understand the risks and weigh them against the rewards in your individual situation.

Also, you can read our article about how to handle crypto portfolio risk management 2021.

Best place to buy Stellar XLM

When you are considering buying a cryptocurrency, you should look for 

  • An established and well known cryptocurrency exchange
  • A cryptocurrency exchange with high trading volumes (This will give you a tight spread)
  • A crypto exchange with low fees
  • A crypto exchange with good deposit and withdrawal options

In addition, you don´t want to have a crypto exchange for each cryptocurrency you hold so make sure it supports more than just a few cryptocurrencies.

We always check these 

  1. Binance (Has Stellar XLM listed)
  2. Kraken (Has Stellar XLM listed)
  3. Uniswap (Not Stellar XLM listed)

If non if them have the cryptocurrency you are searching for, you can follow these steps to find an exchange

  1. Go to Coingecko
  2. Search for you cryptocurrency
  3. Go to the markets tab
  4. Here, you can see all the exchanges that have your cryptocurrency listed in any trading pair. Also, you get additional information such as trading volume