XLM yield rates in 2026
Compare XORA with Nexo, Ultra Stellar yXLM, and YouHodler. Compare native XLM held in a custodial account with an issued token such as yXLM. Holding a token in your own wallet does not remove the issuer and redemption risks behind it.
XORA advertises up to 21% variable APY on XLM where enabled in-app. The rate is treasury-subsidised during bootstrap, can change or stop, and is not guaranteed. Deposits are custodial; capital is at risk.
Check XLM availability in XORAXLM yield rate comparison
Compare rates with custody, terms and reward assets. On a narrow screen, scroll the table horizontally.
| Platform | XLM rate / status | Custody / route | Access / term | Reward asset | Source |
|---|---|---|---|---|---|
| XORA | Up to 21% variable APY Where enabled in-app. Treasury-subsidised during bootstrap; the rate can change or stop. Not guaranteed. |
Custodial native XLM; internal ledger balances reconciled against treasury backing. | No fixed term; withdrawal and account controls apply. | XLM; check the live account terms. | XORA yield source |
| Nexo | Variable; check XLM eligibility Check the current XLM rate, account eligibility, loyalty tier and fixed-term conditions. No XLM-specific quote was verified for this board. |
Custodial savings account, if available. | Flexible or fixed term, if offered. | Confirm the payout choice. | Nexo Savings |
| Ultra Stellar yXLM / Ultra Capital | 1.6% APY advertised The current Ultra Capital page quotes this yXLM rate. It can change; yXLM is an issued token rather than native XLM. |
You hold yXLM; the issuer manages the backing through CeFi/DeFi strategies. | Issuer advertises no token lock; redemption and market liquidity remain risks. | Yield-token distributions; confirm issuer terms. | Ultra Capital yXLM |
| YouHodler | Variable; check XLM eligibility No XLM-specific rate was verified from the public yield page. Confirm support, residence, loyalty tier and balance limits. |
Custodial yield account, if available. | Product-dependent. | Confirm the reward asset. | YouHodler Yield |
Public provider pages reviewed on October 27, 2026. A numeric quote appears only when the linked source supplied an asset-specific figure. Unverified rates and asset availability are marked in the table; verify your own account offer before depositing. This comparison is published by XORA, a provider listed above. It is not an independent ranking. APY includes a compounding assumption; an advertised annual interest rate may use a different convention.
Custody, treasury subsidy and the solvency gate
XORA controls the treasury keys. Your account records an internal XLM balance; a visible treasury address alone does not prove all customer liabilities are covered. The advertised rate uses a finite bootstrap treasury subsidy and should not be read as a permanent return from the underlying network.
XORA checks treasury backing against internal XLM liabilities and applies asset-specific reconciliation, subsidy-budget and risk controls before yield credits or withdrawals. A failed or unavailable check can pause an operation. These controls are not deposit insurance, an independent audit or a guarantee against loss. Withdrawals can be held or rejected by account, treasury, reconciliation and risk controls before broadcast. Network confirmation times and fees also apply. Read the custody and security disclosures and yield source.
Use native XLM on Stellar and copy the deposit address plus the exact memo shown in your account. yXLM and other issued Stellar assets are not native XLM deposits. A rate on this page does not mean deposits, withdrawals or yield are enabled for your account. Check each capability in the app before sending funds.
Native XLM and yXLM are different assets
Stellar consensus does not pay a native staking reward for holding XLM. The product often called Ultra Stellar yXLM is now described by Ultra Capital, whose public page quotes 1.6% APY for yXLM. You hold an issued token and rely on the issuer’s assets, strategies and redemption process. Its advertised 1:1 redemption is an issuer claim, not a guarantee from the Stellar network.
Frequently asked questions
Is XORA’s 21% XLM APY guaranteed?
XORA advertises up to 21% variable APY on XLM where enabled in-app. The rate is treasury-subsidised during bootstrap, can change or stop, and is not guaranteed. Deposits are custodial; capital is at risk.
Does Stellar offer native XLM staking rewards?
Stellar consensus does not pay a native staking reward for holding XLM. XLM yield products add an account provider, issuer, lending strategy or other separate arrangement.
Is Ultra Stellar yXLM the same as native XLM?
No. yXLM is an issued Stellar token. Its current Ultra Capital page advertises 1.6% APY and 1:1 redemption into XLM through the issuer. Holding yXLM adds issuer, strategy, liquidity and redemption risk; it is not a guarantee from Stellar.
What does the solvency gate check?
XORA checks treasury backing against internal XLM liabilities and applies asset-specific reconciliation, subsidy-budget and risk controls before yield credits or withdrawals. A failed or unavailable check can pause an operation. These controls are not deposit insurance, an independent audit or a guarantee against loss.
Check the account terms before depositing
Estimate earnings first with the XLM yield calculator, then confirm the current rate, supported network, reward asset and withdrawal controls. A higher headline does not establish better solvency or lower risk.
Open XORA for XLM