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XMR · Monero

Where XMR earns the most — safely.

Altcoin

The highest XMR rate on YieldScope right now is 1.97 % APY on Bitfinex — safety grade D, Earn. Across 2 venues we track, XMR averages 1.02 % APY. Rates float and are refreshed daily; last updated 2026-07-29.

Best rate right now
1.97 %
Bitfinex D
Flexible · withdraw anytime · base rate
Visit site
Average
1.02 %
Average 1.02 % across 2 platforms
Rank
#17
Market cap
$6.6B
24h volume
$100M
From ATH
-56%
1y change
+9%
Price · 1 year
$349.18+11.2% · 1Y

ATH $797.73 on Jan 2026·upd. Jul 29

The spread

One coin, 2 prices for your trust

Rate range

0.06 %
low
1.02 %
avg
1.97 %
high
Rate history

How XMR yields moved across exchanges

Best rate over time
1.97 %

from 2026-06-28 to 2026-07-29

Source: daily snapshots via exchange APIs

All venues

All platforms for XMR

Platform Best ↓ Type Platf. risk
Bitfinex 1.97 % lending D Open →
CoinEx Earn 0.06 % flexible D Open →

How much will you earn?

XMR
PlatformInterestTotal
Bitfinex+0.198810.1988
CoinEx Earn+0.006010.0060
On Bitfinex:+0.0005per day·+0.0164per month·+0.1988per year
🏦 A bank at 0.5% would pay just +0.0501 XMR over this period.The top rate here pays 4.0× more.

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.

Coin summary
Rank#17
Platforms with offers2
Best flexible0.06 %
Best overall1.97 %
Average1.02 %
FAQ

XMR yield FAQ

What's the best XMR interest rate right now?

The highest XMR rate we currently track is 1.97% APY on Bitfinex, which we grade D for safety. These are base rates refreshed daily — not promotional teasers.

Is earning interest on XMR safe?

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.

Are these XMR rates promotional?

No. We track 2 platforms for XMR 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.

XMR

What is XMR

Monero (XMR) — a top-100 altcoin by market cap. Trades on major exchanges including Bybit, Binance, Coinbase. See CoinGecko for full project details: https://www.coingecko.com/en/coins/monero

Known risks

  • High price volatility
  • Regulatory uncertainty in some jurisdictions
  • Smart contract / chain-specific risks

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