Earn Stellar Interest

Earn Up to 8% on Stellar

Make your idle XLM work for you with Nexo. Start earning up to 8% APR, paid out daily.

Compounding daily payouts

No hidden fees or commissions

Full control over your assets 24/7

Insured for up to $775М by BitGo & Ledger

Beat Volatility & Earn

Calculate Your Stellar Yield

Enter an amount to see how much interest you could be generating on your XLM.

xlm logo Stellar

This calculator is for informational purposes only. Calculated yields assume that principal and interest remain in your Nexo account.

In 24 months you will have $1256.34

Why Earn with Nexo

Grow your portfolio exponentially while keeping your XLM safe.

Compounding Daily Payouts
Compounding Daily Payouts
With Nexo’s unique daily payouts*, you get instant access to the interest you’ve earned.
Your yield is automatically paid to your Nexo account, so the next day, you begin earning interest on top of it, too. That way your daily payouts only get bigger over time! *Daily payouts apply only to our FLEX offering.
Flexible Earnings
Flexible Earnings
Maximize your Stellar yield with our bonus rates for Fixed Terms. Trade while you earn with our FLEX offering. Or create a 1-month Fixed Term to get an additional 1% interest on your Lumens.
Zero Fees
Zero Fees
We never charge you any hidden fees or commissions for adding, withdrawing or holding funds. Withdraw at any time without losing your accrued interest or add funds whenever you want to earn even more.
Top-Tier Insurance
Top-Tier Insurance
All digital assets held in your Nexo account benefit from a $775M insurance by our industry-renowned custodians in the event of third-party hacks, theft, or loss of private keys.

$200M+ Already paid out
in interest

4М+ Nexo users

33 Supported

200+ Available

How to Start Earning on Stellar

Create your Nexo account and go from zero to earning in less than a minute. All you have to do is:
Buy or transfer XLM to your Nexo account.
You’re all set – no further action is needed! You’re now earning compounding interest on your XLM, paid out daily.

Here’s What Our 4М+ Users Are Saying About Us

Christopher Epstein
From top-notch service, competitive rates, and multiple ways to earn while keeping my crypto safe, everything about Nexo has been positive.
Using Nexo for over a year, within others to earn interest on XRP. Could not be happier. All working smoothly.
S'phumelele Mbiko
Great platform to earn interest daily on your crypto and fiat currencies and helpful customer service. I recommend.
My platform of choice for HODLing all of my mainstream crypto, whilst also earning 5% daily compounded interest! (6% if I choose monthly simple interest).
Nexo offers crypto enthusiasts the best of both worlds - instant access to cash while retaining ownership of their crypto.
Nexo offers the perfect solution for Bitcoin hodlers!
I simply love Nexo! The APR is amazing!
Alen Turk
The thing I like most is that I earn interests and all the money is protected and insured by Nexo.
Nexo has been so great for me for the past 2 years. I earn 6% while adding to my bags every month.
Mark Ouwehand
Finally a way to earn interest on crypto, and to borrow against crypto. So easy to use, love it!
Nexo is the only platform with zero fees, and the only place to store crypto and earn savings.
Nexo has been probably my best investment in the last 12 months. Seriously. Plus I earn incredible 6% on my BTC and various % on other coins.
Bought $Nexo tokens to gain platinum and earn higher percentage rates on deposited coins. Now Nexo has surged past $2 making it one of my larger bags.
Eliott Ross
If your looking for a place to earn interest and manage your cryptocurrency with a simple to use platform Nexo is the solution.
Recently joined Nexo and it has been great! Earn interest on your holdings. Borrow against it without spending your crypto. No brainer!
Ryan Christopher
Offers great ROI and lets me earn on all of my crypto accounts in a way that I understand and can manage comfortably.
Martin Janicina
I don't know a better place to earn interest on crypto and fiat other than Nexo.
Alex H.
Such an easy way to store your crypto and earn passive income. I’ve been using the platform for a while and I recommend it to friends and family. Thanks, Nexo!
Nexo has a great platform and I love their earn program. It’s the place to HODL! #LoveNexo
I had no idea where to start with Crypto and had it not been for Nexo I probably would never have got involved. The platform makes everything so easy to use!

Supported Assets & Rates

Diversify your portfolio with our growing selection of 33 digital assets, including BTC, ETH, NEXO, stablecoins, and more.

For a further breakdown of our earning rates based on your Loyalty tier and the size of your holdings, visit our dedicated blog post.


What do I have to do to start earning?

Signing up for a Nexo account takes less than a minute:

  1. Open the Nexo platform or the Nexo app.
  2. Complete your verification.
  3. Buy or transfer at least 20.00 XLM to your account.
  4. You’re all set! You’re now earning daily interest on your digital assets.

Note: You’ll start earning interest the next day after your transfer. Keep in mind that XLM used as collateral for our Instant Crypto Credit LinesTM will not earn interest.

What are the interest rates?

Your interest rate is determined by:

  1. Your Loyalty tier, which in turn depends on the ratio of NEXO Tokens against the balance of other assets in your portfolio. The requirements for each tier are as follows:
    • Base: No NEXO Tokens are needed.
    • Silver: At least 1% of the Portfolio Balance in your account must comprise NEXO Tokens.
    • Gold: At least 5% of the Portfolio Balance in your account must comprise NEXO Tokens.
    • Platinum: At least 10% of the Portfolio Balance in your account must comprise NEXO Tokens.
  2. The type of interest payout you choose:
    • Earning ‘in kind’ means you receive your interest payments in the currency you’re earning on – in this case, XLM.
    • Earning in NEXO means you receive interest payments in NEXO Tokens and benefit from up to 2% additional interest on all your holdings.
  3. The type of saving term: FLEX or Fixed. If you choose to create a 1-month Fixed Term on your XLM, you’ll earn an extra 1% interest on your assets.

Learn more about our interest rates here.

How do I get Nexo’s highest XLM interest rate?

To receive 8% interest on your Stellar Lumens, you have to:

  • Become a Platinum Loyalty tier client by making sure 10% or more of your Portfolio Balance comprises NEXO Tokens.
  • Opt to earn your interest in NEXO Tokens for up to 2% additional interest.
  • Create a 1-month Fixed Term for an extra 1% interest.


Value of assets in your Nexo account: $10,000

Value of NEXO Tokens required for you to get the highest interest: min. of $1,000 in NEXO Tokens

To activate Earn in NEXO:

  1. Open the Nexo platform or the Nexo app.
  2. Click on the ‘Settings’ menu in the ‘My Profile’ section.
  3. Activate the option to Earn in NEXO.

To create a Fixed Term:

  1. Open the Nexo platform and select 'Manage' next to the Stellar icon.
  2. Click on ‘Fixed Terms’.
  3. Enter the desired amount and click 'Create Term' to complete the process.

Note: Please be aware that the Nexo Earn Product, including Earn in NEXO, is not available for citizens or residents of certain jurisdictions, including where restrictions may apply, such as the USA, Bulgaria, and Estonia.

How does Nexo keep my Lumens safe?

Nexo is raising the bar for the entire blockchain space by utilizing the most rigorous KYC and AML policies, impeccable risk assessment, data protection, and state-of-the-art cybersecurity.

We keep your Stellar Lumens safe while you’re earning interest through our multifaceted approach to security, including:

  • Military-grade 256-bit encryption and fraud monitoring mechanisms for your Nexo account.
  • Bank-grade cold storage in Class III vaults through leading blockchain custodians, including BitGo, Ledger Vault, and others.
  • $775M insurance from our custodial partners via Lloyd’s of London and Marsh & Arch.
  • ISO/IEC 27001:2013 certificate guaranteeing Nexo’s security infrastructure is of the highest standard.
  • 200–500% overcollateralized crypto credit lines. Nexo never issues credit on a non-collateralized basis, thus ensuring your funds are backed no matter how the market moves.

You can learn more about our security and insurance here.

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More Ways to Get the Best Out of Nexo

Our products are even more powerful when used together.

Ready to Make the Most of Your XLM?

Move your idle Stellar Lumens to Nexo and start earning up to 8% APR in less than a minute.