XAUM — 3.38% APY Staking Pool

The XAUM pool on Navi Lending (Sui) currently yields 3.38% APY with $1.77M in total value locked. Deposit your XAUM and earn passive DeFi yield — no KYC, no lockup, self-custodied.

By APY Hub · Reviewed by Ankit Sharma · Last reviewed: May 2026

Start Earning 3.38%

Pool Statistics

APY

3.38%

Base APY

0.01%

Reward APY

3.37%

TVL

$1.77M

Protocol

Navi Lending

Chain

Sui

Tokens

XAUM

Get Exchange Bonus — Buy XAUM

Affiliate disclosure: APY Hub may earn a commission from partner links on this page. Bonuses and rates are subject to each exchange's terms; verify current offers before depositing.

Tangem

Safe wallet

10% discount

Ledger

Secure hardware wallet

Fast delivery

APY & TVL History

Historical APY and TVL data for XAUM, 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 XAUM

The XAUM pool is a decentralized yield-generating position managed by the Navi Lending protocol on the Sui blockchain. Depositors provide XAUM 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 3.38% APY and $1.77M in total value locked, this pool represents an active liquidity opportunities in the Sui 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 XAUM comes from two sources: base APY of 0.01% from trading fees and lending activity, and reward APY of 3.37% from Navi Lending 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 XAUM is secured by Navi Lending's open-source smart contracts on Sui. 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 XAUM?

This pool suits investors who already hold XAUM and want to put those assets to work beyond simply holding. The single-asset exposure makes this accessible even for investors new to DeFi liquidity provision.

How to Stake XAUM in Navi Lending

Get Exchange Bonus

Follow these steps to start earning 3.38% APY in the XAUM pool. The entire process takes 15–30 minutes for first-time DeFi users.

Step-by-Step Guide: Staking XAUM in Navi Lending
Step	Action	Details & Tips
1	Buy XAUM	Purchase on Bybit, BINGX, or MEXC. Choose the Sui network for withdrawal to save bridging fees.
2	Set up a wallet	Install MetaMask or use a Ledger hardware wallet. Add the Sui network if not auto-detected.
3	Get Sui for gas	Buy a small amount of Sui's native token to pay transaction fees (usually $1–10 worth).
4	Connect to Navi Lending	Visit the official Navi Lending app. Bookmark the URL. Never use links from DMs or social media.
5	Approve & deposit	Approve the token spend, confirm the deposit transaction. Yield starts accruing in the next block.
6	Track & harvest	Check back regularly. Some pools require manual reward claims — harvest and reinvest to maximize APY.

Gas Costs and Break-Even

On Sui, expect to spend approximately $2–$30 in gas for the deposit and withdrawal transactions combined. At 3.38% APY, a $54041 deposit recovers $5 in gas within a week. Scale your position accordingly — smaller deposits are better suited to low-fee chains.

Risk Assessment — XAUM

Every DeFi investment involves risk. The table below summarizes the key risk factors specific to the XAUM pool. Read carefully before depositing.

XAUM — Full Risk Analysis
Risk Factor	Level	Description
Impermanent Loss	✅ Low/None	Single-asset or stablecoin pool — impermanent loss risk is minimal or non-existent.
Asset Price Risk	🟡 Moderate–High	XAUM can lose significant value. Your position's USD value moves with the asset price, independent of your yield.
Exposure Type	🟢 Single Asset	You're exposed to one asset — simpler risk profile, no price divergence between paired tokens.
Smart Contract	⚠️ Inherent	All DeFi protocols carry smart contract risk. Verify Navi Lending's audit history before depositing.
Liquidity Risk	🟢 Adequate	$1.77M TVL supports normal-size positions without significant slippage.
Protocol Risk	🟡 Verify audits	Review Navi Lending's documentation, audit reports, and community reputation before committing large positions.

Frequently Asked Questions

What is the current APY for XAUM?

The current APY for the XAUM pool on Navi Lending is 3.38%. This rate updates daily based on pool utilization, trading volume, and protocol incentives. Always verify the live rate on the Navi Lending interface before depositing, as rates can shift significantly within hours.

What is the TVL of XAUM?

The total value locked (TVL) in the XAUM pool is currently $1.77M. Higher TVL indicates greater user trust and deeper liquidity — larger positions can enter and exit with minimal price impact.

How do I stake in XAUM?

Acquire XAUM on a CEX like Bybit or BINGX, withdraw to a Sui-compatible wallet, visit the official Navi Lending interface, connect your wallet, and deposit into the XAUM pool. Your yield begins accruing immediately.

Is XAUM safe to use?

Navi Lending is a DeFi protocol. As with all DeFi, smart contract risk is inherent. Check Navi Lending's audit history before depositing significant funds.

How do I withdraw from XAUM?

Connect your wallet to the Navi Lending interface, navigate to your position, and select "Withdraw" or "Remove Liquidity." Your principal plus accrued yield returns to your wallet, minus gas fees on the Sui network.

Buy XAUM and Start Earning Today