XLM DeFi Yields
The highest honest XLM yield right now is 0.01% on blend-pools-v2 (Stellar), among 3 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
3 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
XLM's largest live pool is vvs-standard on Cronos at 0.84% ($115.2K TVL). 3 XLM pools across 2 chains clear this page's $100K TVL floor, $123.77M in total.
Your idle XLM could earn ~0.43% — park $56.3K and it could run a $20/mo Claude Pro subscription, forever.
See live XLM pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| vvs-standard → | Cronos | 0.84% | $115.2K |
| blend-pools-v2 → | Stellar | 0.01% | $106.5K |
Rate stability from APY history
Based on APY history only, XLM's lower-variability candidates are blend-pools-v2 (Stellar), 0.01% APY, $106.5K TVL, https://www.defi.garden/?pool=2d401ed8-2ced-4116-bda9-deb9058d423d#src=seo_token; vvs-standard (Cronos), 0.84% APY, $115.2K TVL, https://www.defi.garden/?pool=b47ed075-8aea-5ccc-8307-e4b12986aa73#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | blend-pools-v2 → | Stellar | 0.01% | $106.5K |
| 2 | vvs-standard → | Cronos | 0.84% | $115.2K |
How this rate has behaved
XLM shows up in 2 pools here, with rates from 0.01% to 0.84% APY across 2 chains — the rate depends on which protocol and chain you pick, not just the token.
2 of these 2 pools have a trustworthy 30-day average on file, with a median of 1.89% — a useful check against today's number for whether the rate is steady or just having a good day.
All 2 pools pay a plain base rate right now — no incentive or reward APY mixed in.
1 of 2 pools carries impermanent-loss risk, meaning a two-sided position can lose value against just holding, even while it earns yield.
| Protocol | APY | 30d Mean APY | Yield mix |
|---|---|---|---|
| vvs-standard | 0.84% | 3.77% | Base rate |
| blend-pools-v2 | 0.01% | 0.01% | Base rate |
The 30-day average comes straight from DefiLlama and only appears when it passes the same sanity rail as every other number on this page — a dash means it didn't clear that bar, not that it's being hidden. Every pool here already clears a $100K minimum TVL. Rates move daily, so treat this as a snapshot, not a promise.
Frequently asked questions
What's the highest XLM yield today?
0.01% APY on blend-pools-v2 (Stellar), based on live DefiLlama data.
How many XLM pools clear the TVL floor?
3 live pools clear this page's $100K TVL floor, $123.77M in total.
Are these rates safe?
Pools listed on this page clear a $100K minimum TVL and exclude anomalous (>1000% APY) rates — that is this page's listing bar, not a safety guarantee. This is education, not financial advice; DeFi carries smart-contract and market risk regardless of the rate shown.
Which XLM pools have the most stable APY history?
Based on APY history only, XLM's lower-variability candidates are blend-pools-v2 (Stellar), 0.01% APY, $106.5K TVL, https://www.defi.garden/?pool=2d401ed8-2ced-4116-bda9-deb9058d423d#src=seo_token; vvs-standard (Cronos), 0.84% APY, $115.2K TVL, https://www.defi.garden/?pool=b47ed075-8aea-5ccc-8307-e4b12986aa73#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
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Yields are live from DefiLlama. Pools on this page clear a $100K minimum TVL and exclude anomalous rates — that's this page's listing bar, not a safety guarantee. Education only, not financial advice.
Last updated October 18, 2026
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