Yield
Where XLM earns the most — safely.
Stellar — network for cheap cross-border payments
The highest XLM rate on YieldScope right now is 14.6 % APY on Bitfinex — safety grade D, Earn. The best XLM rate on a platform that passes all five of our safety checks is 1.0 % APY on Bitget Earn (Flexible). Across 10 venues we track, XLM averages 4.68 % APY. Rates float and are refreshed daily; last updated 2026-07-29.
ATH $0.8756 on Jan 2018·upd. Jul 29
One coin, 10 prices for your trust
How XLM yields moved across exchanges
from 2026-05-25 to 2026-07-29
Source: daily snapshots via exchange APIs
All platforms for XLM
| Platform | Best ↓ | Type | Platf. risk | |
|---|---|---|---|---|
 Bitfinex | 14.6 % | lending | D | Open → |
 CoinDepo | 12 % | flexible | F | Open → |
 WhiteBIT | 10.9 % | 30d lock | B | Open → |
 OKX Earn | 6.63 % | flexible | B | Open → |
 Bitget Earn | 1.0 % | flexible | A | Open → |
 Bybit Earn | 0.8 % | flexible | C | Open → |
 Gate.io Earn | 0.4 % | flexible | B | Open → |
 Binance Earn | 0.34 % | flexible | C | Open → |
 CoinEx Earn | 0.07 % | flexible | D | Open → |
 Bitvavo Staking | 0.05 % | flexible | A | Open → |
How much will you earn?
| Platform | Interest | Total |
|---|---|---|
| ★Bitfinex | +1.5652 | 11.5652 |
| CoinDepo | +1.2683 | 11.2683 |
| WhiteBITLock | +1.1483 | 11.1483 |
| OKX Earn | +0.6835 | 10.6835 |
| Bitget Earn | +0.1005 | 10.1005 |
| Bybit Earn | +0.0803 | 10.0803 |
| Gate.io Earn | +0.0401 | 10.0401 |
| Binance Earn | +0.0341 | 10.0341 |
| CoinEx Earn | +0.0070 | 10.0070 |
| Bitvavo Staking | +0.0050 | 10.0050 |
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
XLM rates on the move
What to watch on XLM
XLM yield FAQ
The highest XLM rate we currently track is 14.63% APY on Bitfinex, which we grade D for safety. These are base rates refreshed daily — not promotional teasers.
It depends on the platform, not the coin. We grade every platform A–F on five checks: regulation, proof-of-reserves, flexible withdrawals, an insurance fund, and track record. Check the grade next to each rate before depositing — a higher APY often means higher risk.
No. We track 10 platforms for XLM and publish base rates only — never the headline promo or teaser tiers that apply to tiny balances. Floating rates are labelled as snapshots, so the number reflects what a normal balance realistically earns.
What is XLM
Stellar (XLM) is an open payment network, a Ripple fork by Jed McCaleb. Focused on financial inclusion: partnered with MoneyGram and Circle (USDC is issued on Stellar). XLM is used for anti-spam and account reserves.
Known risks
- ⚠Competition with Ripple, stablecoins on Ethereum/Tron
- ⚠Low DeFi activity
- ⚠Supply concentration with Stellar Foundation
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