XLM DeFi Yields
The highest honest XLM yield right now is 0.18% 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
XLM's largest live pool is blend-pools-v2 on Stellar at 0.18% ($144.5K TVL). 3 XLM pools across 2 chains clear this page's $100K TVL floor, $134.56M in total.
Your idle XLM could earn ~0.76% — park $31.6K and it could run a $20/mo Claude Pro subscription, forever.
See live XLM pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| blend-pools-v2 → | Stellar | 0.18% | $144.5K |
| vvs-standard → | Cronos | 1.34% | $112.9K |
Rate stability from APY history
Based on APY history only, XLM's lower-variability candidates are blend-pools-v2 (Stellar), 0.18% APY, $144.5K TVL, https://www.defi.garden/?pool=2d401ed8-2ced-4116-bda9-deb9058d423d&src=seo_token; vvs-standard (Cronos), 1.34% APY, $112.9K 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 | 0.18% | $144.5K |
| 2 | vvs-standard → | Cronos | 1.34% | $112.9K |
How this rate has behaved
XLM shows up in 2 pools here, with rates from 0.18% to 1.34% 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 2.31% — a useful check against today's number for whether the rate is steady or just having a good day.
1 of 2 pools blends in incentive or reward APY on top of the base rate. Incentive yield decays over time as reward programs run down — the base rate is the more durable number.
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 |
|---|---|---|---|
| blend-pools-v2 | 0.18% | 0.53% | 95.68% incentives |
| vvs-standard | 1.34% | 4.09% | 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?
0.18% 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, $134.56M 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), 0.18% APY, $144.5K TVL, https://www.defi.garden/?pool=2d401ed8-2ced-4116-bda9-deb9058d423d&src=seo_token; vvs-standard (Cronos), 1.34% APY, $112.9K 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 September 2, 2026
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