DeFiEarns

XLM interest rates: staking, lending and yield farming

Every liquid DeFi pool that includes XLM: 6 pools across 4 protocols and 4 chains. Live APY with base/reward split, 30-day average and risk flags. Updated 2 h ago

<0.01%
Best single-asset APY
<0.01%
Best APY incl. pairs
0.01%
Median APY
$147.3M
Liquidity in XLM pools
2 / 6
Single-asset / all pools
Best single-asset option right now: <0.01% at Blend Pools V2 on Stellar ($147.0M TVL, 30d avg 0.02%).
All pools Single asset Best APY Blend Pools V2
Pool APY 30d avg TVL ▾ 30d Risk Chain
XLM Blend Pools V2 · Fixed Pool <0.01% base <0.01% 0.02% $147.0M Single Stable/Up Stellar Deposit ↗

By protocol

By chain

  • Stellarbest <0.01% · 1 pools · $147.0M

Borrow XLM 2 markets

MarketChainBorrow APYSupply APYSuppliedBorrowedLTV
XLMBlend Pools V2 Stellar 0.10% <0.01% $147.2M $209K 75%
XLMBlend Pools V2 Stellar 0.16% 0.01% $132K $10K 75%

All XLM borrow markets →

Top single-asset XLM pools by APY TVL ≥ $1M

Paired with XLM

WCRO1 pools

How to earn on XLM

Single-asset options (lending, staking, savings vaults) pay interest without exposing you to another token; your XLM balance grows and you can withdraw the same asset. Liquidity pairs earn trading fees plus rewards but hold XLM together with a second asset, so the value moves with both prices (impermanent loss). The “Single” chip marks the first kind.

Each row links to the protocol’s own deposit page. Check the chain first: the same protocol can pay different rates on Ethereum, Base or Arbitrum, and moving funds costs a bridge fee (see bridges). Rates refresh hourly; the 30-day average shows whether today’s number is typical.

Questions people ask

What is the best XLM APY right now?
The highest single-asset rate with at least $1M of liquidity is <0.01% at Blend Pools V2 on Stellar ($147.0M TVL). Rates are refreshed hourly; the 30-day average for that pool is 0.02%.
Where can I earn interest on XLM?
4 protocols currently list XLM pools. The largest by liquidity: Blend Pools V2 ($147.0M). Each row in the table links to the protocol’s deposit page.
Can I borrow XLM?
2 lending markets let you borrow XLM against collateral. See XLM borrow rates for the cheapest one.
Is XLM yield safe?
It depends on the pool. Single-asset lending and staking avoid impermanent loss; liquidity pairs do not. The median XLM rate across liquid pools is 0.01%; anything far above it usually carries reward-token risk or a very small market. Our methodology explains every column and flag.