XLM 5 offers 3 providers updated 27 August 2026 at 10:26
Compare Stellar staking rewards Stellar cannot technically be staked at network level. A product labelled XLM staking is usually an interest product in which a provider takes control of your coins. We compare 5 offers from 3 providers and show the return, conditions and counterparty risk behind each one.
Stellar rates range from 0.03% to 8%, a difference of 7.97 percentage points. The median across the 5 offers is 1.20%, while Nexo has the highest listed return.
We track 5 offers for Stellar from 3 providers. Sort any column to compare rates and terms, then use the coloured product label to distinguish staking from lending. That distinction matters because the source of the return determines the main risk.
Enter your deposit at the top right of the table. The calculation applies minimum and maximum deposit limits, so it reflects the amount that can actually earn a return.
| Terms | |||||
|---|---|---|---|---|---|
 Nexo MiCA partner Fixed-term Savings | Lending | Fixed term · The top rate applies only at Platinum tier. At least 10% of your portfolio must be held in NEXO tokens. | 8.00% maximum rate | 0.0800 XLM | Visit Nexo $25 in free BTC |
| Nexo MiCA partner Flexible Savings | Lending | Withdrawable daily · The top rate applies only at Platinum tier. At least 10% of your portfolio must be held in NEXO tokens. | 7.00% maximum rate | 0.0700 XLM | Visit Nexo $25 in free BTC |
 Bybit MiCA FixedTermSaving | Lending | Fixed for 30 days · min. 10.000 · max. 1,000,000 | 1.20% fixed rate | 0.0120 XLM | Visit Bybit $50 in free USDC |
| Bybit MiCA FixedTermSaving | Lending | Fixed for 10 days · min. 10.000 · max. 1,000,000 | 1.00% fixed rate | 0.0100 XLM | Visit Bybit $50 in free USDC |
 Bitvavo MiCA Lending | Lending | Withdrawable daily | 0.03% maximum rate | 0.0003 XLM | Visit Bitvavo €10 in free crypto |
Up to this is the maximum rate and only applies when you meet specific conditions.
From this is the lower end of a range; your actual rate may be higher.
Converted the provider publishes APR; we convert it to APY to make the rates comparable.
Bitvavo NL MiCA 64 staking381 lending
Bybit AT MiCA 73 lending
Nexo MiCA partner 60 lending
These figures cover each provider's full product range, not only the coin on this page.
Rates for Stellar differ between providers. This chart places all 5 offers from 3 providers on one scale, with the highest rate at 8%. A higher percentage does not automatically make an offer more suitable or less risky.
Staking Liquid staking Lending Highest
What would a 8% rate mean for your Stellar position? Enter an amount of XLM or a value in euros to compare the estimated return from each offer. The calculation assumes the rate and coin price remain unchanged.
Technically, Stellar staking does not exist at network level. Stellar uses a mechanism other than Proof of Stake, so you cannot lock XLM to validate transactions and receive network staking rewards. The rates on this page therefore come from interest products funded by a provider.
Stellar has no on-chain network staking: the network does not pay rewards to holders. Every displayed rate is funded by a provider, so the network staking category does not apply and counterparty risk becomes central.
Your coins help secure a network and the reward comes from that network. The main additional risks are slashing and the failure of any company holding your coins in custody. More about on-chain staking.
You deposit into a protocol and receive a tradable token representing the staked position. This adds smart contract, liquidity and depeg risk to the underlying staking risk. More about liquid staking.
This is not staking. You lend your coins to a provider, which pays interest from its own resources. If the provider fails, you may be an unsecured creditor and could lose the full deposit. More about lending.
Compare current staking rewards and interest rates for other cryptoassets. Each coin page shows the available providers, rates and the product behind the return.
 BitcoinBTC | Lending | bij Nexo | 5.70% |
 EthereumETH | Lending | bij Nexo | 6.25% |
 BNBBNB | Lending | bij Nexo | 7.00% |
 XRPXRP | Lending | bij Nexo | 8.25% |
 USDCUSDC | Lending | bij Morpho | 4.38% |
 SolanaSOL | Lending | bij Nexo | 8.00% |
 TRONTRX | Lending | bij Nexo | 11.00% |
 HyperliquidHYPE | Lending | bij Bybit | 3.00% |
 PolkadotDOT | Lending | at Nexo | 15.00% |
 KusamaKSM | Lending | at Nexo | 13.00% |
 Axie InfinityAXS | Lending | at Nexo | 13.00% |
 CosmosATOM | Lending | at Nexo | 11.00% |
 InjectiveINJ | Lending | at Nexo | 11.00% |
| TRONTRX | Lending | at Nexo | 11.00% |
 Bitcoin CashBCH | Lending | at Nexo | 11.00% |
 NexoNEXO | Lending | at Nexo | 9.00% |
We collect rates directly from providers through their APIs or official websites and check them daily. Every rate shows when it was last checked. Providers can change terms without notice, so confirm the current rate before depositing.
Crypto returns are never guaranteed. On-chain staking can involve slashing, liquid staking adds smart contract and depeg risk, and lending can expose your entire deposit if a provider fails. In every category, a fall in the coin price can exceed the rewards earned.
StakingRewards.eu compares and explains; it does not provide investment advice. Some links are affiliate links, which may earn us a fee. This does not affect the table order, which is based on the displayed rate.