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XLM (Stellar Lumens) Logo

Best XLM (Stellar Lumens) Interest Rates of Dec 2022

Compare the best XLM (Stellar Lumens) interest rates and withdrawal fees of Dec 2022, from the top crypto interest accounts. Comparison of the best CeFi platforms to earn on XLM, so you can maximize your Stellar Lumens APY / APR, and earn yield.

Table scrolls horizontally
Platform
Base APY (paid in kind)
Max APY
Withdrawal Fee
Sign Up Bonus
Additional Info
Nexo logo  Nexo
4.00%
6.00% - requires locking asset for 1 month and owning 10% of portfolio in NEXO tokens
network fees, but 1-5 free withdrawals per month depending on how many NEXO tokens you hold
$25 in BTC
Nexo US customers can no longer earn interest on new deposits; pre-existing deposits can continue to earn interest in certain states
Crypto.com logo  Crypto.com
0.10% (APR)
5.00% (3.00% in kind + 2% in CRO) APR, on first $3,000 of total assets in fixed terms

highest rate requires locking asset for 3 months, and staking (holding for 6 months) $40,000 worth of CRO
0.1 XLM (Stellar Lumens)
0.001 XLM (Crypto.org)
0.89 XLM (Cronos)
$25 in CRO
max total assets that can earn interest is $500,000 (up to $2,000,000 based on how much CRO staked); unavailable in NY
Abra logo  Abra
2.50%
2.50%
network fees + withdrawal fee from Bittrex (Abra's custodian)
none currently
Abra non-accredited investors in the US can no longer earn interest on new deposits; pre-existing deposits can continue to earn interest

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Best XLM Interest Rates

The table above compares the best XLM interest rates. As you’ll notice, there are base rates and max rates. Since the max rates often have certain requirements, such as locking the asset for a fixed amount of time, the best Stellar Lumens interest rate will depend on your willingness to fulfill any of those requirements.

For example, platform A might have a higher base rate than platform B, but platform B can offer a higher max rate if you lock your XLM for one month. So the best XLM interest rate would depend on your willingness to lock the asset.

Where To Earn the Highest XLM Yield

The max APY column will show where you can earn the highest XLM yield, depending on your willingness to fulfill any requirements specified. Some platforms also have tiers, as specified, so you may only be able earn the highest XLM interest rate on the first X amount of XLM.

In addition, there is a toggle above the table where you can change the location between United States and International. The platforms and Stellar Lumens rates may change for US vs non-US. The table also includes other details relevant to determining the highest XLM interest rates, such as pointing out when a platform is unavailable in a specific US state.

Best XLM APY / Best XLM APR

The table shows XLM rates in APY (Annual Percentage Yield) by default. However, some platforms advertise their rates in APR (Annual Percentage Rate), so the table will specify when rates are in APR. APY takes into account compound interest, while APR does not. If a platform has XLM rates in APR, you can use tools like this to convert XLM APR to XLM APY.

Best XLM Staking Rates / Best XLM Lending Rates

For earning yield, staking XLM is sometimes used interchangeably with lending XLM. So those looking for the best XLM staking rates to earn interest might be looking for the best XLM lending rates to earn interest. With the CeFi platforms covered here, you are lending your XLM to centralized entities, as a way to earn yield on XLM.

How To Earn Interest on XLM

To earn interest on XLM, an individual would create an account, then there is usually a KYC (Know Your Customer) process to verify your identity. From there, you can often just deposit XLM to start earning interest. To earn the highest XLM APY, as shown in the max APY column, there are sometimes other requirements, as specified in the table.

Why Earn XLM Interest

The high yield offered by XLM interest accounts is likely the main reason an individual would want to earn XLM interest, rather than letting it sit idle.

However, there is always risk that you lose some or all of your assets. For example, a CeFi platform could halt withdrawals on the coins you deposited. Do your own research to make sure you understand all the risks of any particular cryptocurrency, or platform holding your crypto. No cryptocurrency or platform is without risk.

Best XLM Interest Account / Best XLM Savings Account

CeFi platforms are sometimes referred to as crypto interest accounts or crypto savings accounts (though very different from traditional bank accounts). The best XLM interest account / best XLM savings account might vary based on an individual’s preferences and situation.

For instance, some platforms have tiers, so what might be ideal for one person, might be less ideal for someone with a much higher amount of XLM. You also wouldn’t want to use a platform that you believe is too risky, even if everything else seems ideal.


Sign Up Bonuses

Nexo - 1) Sign up through this referral link. 2) Complete Advanced Verification. 3) Top up (deposit) at least $100 of any supported asset. 4) Must keep porfolio above $100 for at least 30 days. You'll earn $25 in BTC.

Crypto.com App - Sign up through this link using referral code 6k4dx8gb6c. Stake (deposit for 6 months) $400 in CRO for the ruby card tier or above, and you'll receive $25 in CRO.

Finblox - 1) Sign up through this link. 2) Pass the “Verified” level in Identity Verification. 3) Deposit assets within 7 days of signing up, and maintain balance for 30 days. 4) You'll earn a bonus of up to $250 USDC, based on the amount you deposit / maintain. See reward payout table here.

Haru Invest - Haru Invest has no sign up bonus currently. Feel free to sign up through this link or using referral code cefirates.

Ledn - Sign up through this referral link, and complete KYC. Then deposit at least 75 USDC or 0.0015 BTC, and hold for 15 days or longer. Deposit must be made within 30 days of opening an account. You'll receive 10 USDC.

Abra - Abra has no sign up bonus currently. Feel free to sign up through this link or using referral code RC7F4APFN.