Best XLM (Stellar Lumens) Interest Rates
Compare the best XLM (Stellar Lumens) interest rates and withdrawal fees of May 2022, from the top crypto interest accounts. Find the best CeFi platform to earn on XLM, and generate yield.
highest rate requires locking asset for 3 months, and staking (holding for 6 months) $40,000 worth of CRO
0.001 XLM (Crypto.org)
0.89 XLM (Cronos)
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Frequently Asked Questions
What is APY?
The APY or Annual Percentage Yield, is the total interest paid, based on the interest rate and frequency of compounding. It tells you exactly how much a deposit will earn if deposited for 12 months.
For example, suppose a platform offers 10% APY on USDC. You deposit 100 USDC for one year, without making any withdrawals. At the end of one year, you should have earned 10 USDC.
What is APR?
The APR or Annual Percentage Rate, is the yearly interest rate, without taking into account compound interest.
What is the base APY?
The base or default rate you can earn on a given platform. Listed in APY (since most platforms advertise rates in APY) unless specified in APR.
What is the max APY?
The max or highest rate you can earn on a given platform. Listed in APY unless specified in APR. The max APY often has requirements, such as holding the platform's token, or locking your deposit for a fixed amount of time. For certain plaltforms, the max APY is the same as the base APY.
What does paid in kind mean?
Paid in kind means you will be paid interest in the currency you deposit. So if you deposit BTC, you will receive interest in BTC.
What is CeFi?
CeFi is short for Centralized Finance. It refers to crypto-focused financial services, provided by centralized companies. For instance, an individual may participate in CeFi by lending or borrowing crypto, with an actual company.
This is in contrast with DeFi (Decentralized Finance), which seeks to provide these financial services without an individual needing to interact with a centralized company.
One popular use-case of CeFi platforms, is as an alternative to traditional savings accounts. To earn yield, individuals may lend / deposit their cryptocurrencies or stablecoins to a crypto interest account. However, keep in mind that while the rewards may be different from those of a bank savings account, the risks are very different as well.
Sign Up Bonuses
Celsius - Sign up using the referral code 1854129a7a, transfer in $400 or more, then hold for 30 days. You'll earn $50 in BTC. To sign up, follow this link and click on 'Sign Up', or sign up through their mobile app on iOS or Android.
Haru Invest - Sign up through this link or using referral code cefirates to earn an extra 0.2% interest rate.
Hodlnaut - 1) Sign up through this referral link or using referral code xZXkU6omx. 2) Make a deposit of at least $500, $1,000, or $1,500, on any supported asset. This deposit must be in a single transaction and within 1 week of an optional test deposit . 3) Maintain minimum required amount for 31 consecutive days. 4) You'll receive a bonus based on your deposit size: $500 -> 20 USDC, $1,000 -> 30 USDC, $1,500 -> 30 USDC + 20 USDC (50 USDC total).
Nexo - 1) Sign up through this promo link and complete identity verification. 2) Buy or top up at least $1,500 of any Nexo supported asset, and maintain balance above $1,500 for 30 days. 3) You'll earn $100 in BTC. 4) To earn an extra $50 in BTC, swap at least $1,500 on the Nexo Exchange during the 30-day hold period.
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 2.5 months. 4) You'll earn a bonus of up to $250 USDC, based on the amount you deposit / maintain. See reward payout table here.
Vauld - Sign up through this referral link or using referral code cefirates to earn lifetime bonuses on your activity. You'll receive a bonus of 2.5% of the interest you get paid on your assets, 2.5% of the interest you accrue on your loans, and 20% of the fees from your trades.
BlockFi - Sign up through this promo link and fund your account, to earn up to $250 in BTC. See the "Partner Offer" terms on this page for details.
The BlockFi Interest Accounts (BIAs) have not been registered under the Securities Act of 1933 and may not be offered or sold in the United States, to U.S. persons, for the account or benefit of a U.S. person or in any jurisdiction in which such offer would be prohibited.
Voyager - Sign up using GAB05A7C6 in the 'Reward Code' field, then deposit and trade at least $100 to earn $25 in BTC. You'll need to sign up through their mobile app on iOS or Android. Promotion only available to US residents currently.
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.
Abra - 1) Sign up using this referral link or referral code RC7F4APFN. 2) Complete KYC. 3) Deposit the equivalent of $15 or more, and hold for 7 days. 4) US users will earn $40 total in CPRX ($25 CPRX from the referal promo, as well as $15 CPRX from another current promo). *Non-US users must hold for 30 days and are only eligible to earn $5 CPRX.
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.
Gemini - Sign up through this promo link, then trade $500 within 3 days of signing up, and you'll receive $50 in BTC. Alternatively, you can sign up through this referral link, then buy or sell $100 within 30 days, and you'll receive $10 in BTC.