USDC XLM — 1.63% APY Staking Pool

The USDC XLM pool on Raydium Amm (Solana) currently yields 1.63% APY with $1.85M in total value locked. Deposit your USDC, XLM and earn passive DeFi yield — no KYC, no lockup, self-custodied.

By APY Hub · Reviewed by Ankit Sharma · Last reviewed: July 2026 · Data: DeFiLlama · Updated every 4h

APY data sourced from DeFiLlama. Not financial advice — verify rates before depositing.

Pool Statistics

APY & TVL History

Historical APY and TVL data for USDC XLM, sourced from the DeFiLlama API. Use the charts to assess whether the current yield is a recent spike or a sustained rate. Sudden APY jumps often indicate new incentive programs — verify whether they are ongoing before making deposit decisions.

About USDC XLM

The USDC XLM pool is a decentralized yield-generating position managed by the Raydium Amm protocol on the Solana blockchain. Depositors provide USDC, XLM liquidity and receive a share of the fees and rewards generated by pool activity — with no intermediaries, no KYC, and full on-chain transparency.

With 1.63% APY and $1.85M in total value locked, this pool represents an active liquidity opportunities in the Solana DeFi ecosystem. The TVL figure reflects real user confidence — every dollar locked is a deposit from someone who chose this pool over thousands of alternatives.

How This Pool Generates Yield

Yield in USDC XLM comes from two sources: base APY of 1.63% from trading fees and lending activity, and reward APY of 0.00% from Raydium Amm protocol incentives paid in governance tokens. The base APY is more sustainable long-term; the reward APY depends on the token price and incentive program duration.

Unlike centralized staking on exchanges, your deposit in USDC XLM is secured by Raydium Amm's open-source smart contracts on Solana. You can verify the exact contract addresses, see every transaction in the pool, and withdraw your position at any time without requiring anyone's permission.

Who Should Use USDC XLM?

This pool suits investors who already hold USDC, XLM and want to put those assets to work beyond simply holding. Note that this is a multi-asset pool with impermanent loss risk — it suits investors who are comfortable holding both assets in the pair and are less concerned about optimizing the exact ratio.

How to Stake USDC, XLM in Raydium Amm

Follow these steps to start earning 1.63% APY in the USDC XLM pool. The entire process takes 15–30 minutes for first-time DeFi users.

Step 1: Buy USDC, XLM

Purchase USDC, XLM on Bybit, BINGX, or MEXC. Choose the Solana network for withdrawal to avoid bridging fees. Confirm the network before completing the transfer.

Step 2: Set Up a Wallet

Install MetaMask or use a Ledger hardware wallet. Add the Solana network if it is not detected automatically. Never store your seed phrase digitally.

Step 3: Get Solana for Gas

Buy a small amount of Solana's native token to pay transaction fees — usually $1–10 worth is sufficient for several transactions.

Step 4: Connect to Raydium Amm

Visit the official Raydium Amm app. Bookmark the URL directly. Never click links from DMs, social media, or email — phishing sites mimic real protocols exactly.

Step 5: Approve and Deposit

Approve the token spend in your wallet, then confirm the deposit transaction. Yield begins accruing in the next block after confirmation.

Step 6: Track and Harvest

Check your position regularly. Some pools require manual reward claims — harvest and reinvest to compound your 1.63% APY over time.

Gas Costs and Break-Even

On Solana, expect to spend approximately $0.01–$0.10 in gas for the deposit and withdrawal transactions combined. At 1.63% APY, a $111963 deposit recovers ~$35 in gas within a week (≈ $5/day in yield). Scale your position accordingly — smaller deposits are better suited to low-fee chains.

Risk Assessment — USDC XLM

Every DeFi investment involves risk. Key risks for this pool:

• Smart Contract Risk — All DeFi protocols carry smart contract risk. Verify Raydium Amm's audit history and bug bounty program before depositing.
• Liquidity Risk — Current TVL of $1.85M supports normal-size positions without significant slippage on entry or exit.
• Impermanent Loss — This is a multi-asset pool: if USDC, XLM prices diverge significantly, your position value decreases relative to simply holding the tokens. Monitor price ratios actively.
• Asset Price Risk — USDC, XLM can lose significant value. Your position's USD worth moves with asset price, independent of your yield rate.
• Protocol Risk — Review Raydium Amm's documentation, audit reports, and community reputation before committing large positions.

Frequently Asked Questions