XLM — 0.10% APY Staking Pool

The XLM pool on Blend Pools V2 (Stellar) currently yields 0.10% APY with $96.96M in total value locked. Deposit your XLM and earn passive DeFi yield — no KYC, no lockup, self-custodied.

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

Start Earning 0.10%

Pool Statistics

APY

0.10%

Base APY

0.00%

Reward APY

0.10%

TVL

$96.96M

Protocol

Blend Pools V2

Chain

Stellar

Tokens

XLM

Get Exchange Bonus — Buy XLM

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 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 XLM

The XLM pool is a decentralized yield-generating position managed by the Blend Pools V2 protocol on the Stellar blockchain. Depositors provide 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 0.10% APY and $96.96M in total value locked, this pool represents an active liquidity opportunities in the Stellar 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 XLM comes from two sources: base APY of 0.00% from trading fees and lending activity, and reward APY of 0.10% from Blend Pools V2 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 XLM is secured by Blend Pools V2's open-source smart contracts on Stellar. 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 XLM?

This pool suits investors who already hold XLM 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 XLM in Blend Pools V2

Get Exchange Bonus

Follow these steps to start earning 0.10% APY in the XLM pool. The entire process takes 15–30 minutes for first-time DeFi users.

Step-by-Step Guide: Staking XLM in Blend Pools V2
Step	Action	Details & Tips
1	Buy XLM	Purchase on Bybit, BINGX, or MEXC. Choose the Stellar network for withdrawal to save bridging fees.
2	Set up a wallet	Install MetaMask or use a Ledger hardware wallet. Add the Stellar network if not auto-detected.
3	Get Stellar for gas	Buy a small amount of Stellar's native token to pay transaction fees (usually $1–10 worth).
4	Connect to Blend Pools V2	Visit the official Blend Pools V2 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 Stellar, expect to spend approximately $2–$30 in gas for the deposit and withdrawal transactions combined. At 0.10% APY, a $1914202 deposit recovers $5 in gas within a week. Scale your position accordingly — smaller deposits are better suited to low-fee chains.

Risk Assessment — XLM

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

XLM — 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	XLM 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 Blend Pools V2's audit history before depositing.
Liquidity Risk	🟢 Adequate	$96.96M TVL supports normal-size positions without significant slippage.
Protocol Risk	🟡 Verify audits	Review Blend Pools V2's documentation, audit reports, and community reputation before committing large positions.

Frequently Asked Questions

What is the current APY for XLM?

The current APY for the XLM pool on Blend Pools V2 is 0.10%. This rate updates daily based on pool utilization, trading volume, and protocol incentives. Always verify the live rate on the Blend Pools V2 interface before depositing, as rates can shift significantly within hours.

What is the TVL of XLM?

The total value locked (TVL) in the XLM pool is currently $96.96M. Higher TVL indicates greater user trust and deeper liquidity — larger positions can enter and exit with minimal price impact.

How do I stake in XLM?

Acquire XLM on a CEX like Bybit or BINGX, withdraw to a Stellar-compatible wallet, visit the official Blend Pools V2 interface, connect your wallet, and deposit into the XLM pool. Your yield begins accruing immediately.

Is XLM safe to use?

Blend Pools V2 is a DeFi protocol. As with all DeFi, smart contract risk is inherent. Check Blend Pools V2's audit history before depositing significant funds.

How do I withdraw from XLM?

Connect your wallet to the Blend Pools V2 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 Stellar network.

Buy XLM and Start Earning Today