DeFiEarns

Stellar DeFi yields: best APY for lending, staking and LPs

5 liquid pools from 3 protocols on Stellar, sorted by liquidity. Live APY, base/reward split, 30-day average and risk flags.

9.93%
Best APY (liquid)
3.58%
Median APY
7.62%
Stablecoin median
$721.8M
Liquidity
3
Protocols
All pools Stablecoins Single asset Best APY Ondo Yield Assets Blend Pools V2 Gami Labs
Pool APY 30d avg TVL ▾ 30d Risk
USDY Ondo Yield Assets · US Dollar Yield 3.58% base 3.58% 3.56% $535.9M Stable Single Down Deposit ↗
XLM Blend Pools V2 · Fixed Pool <0.01% base <0.01% 0.02% $147.0M Single Stable/Up Deposit ↗
EARNUSDC Gami Labs · Gami earnUSDC 10.00% base 10.00% 9.93% $24.7M — Stable Single Down Deposit ↗
USDC Blend Pools V2 · Fixed Pool 7.62% base 7.62% 6.92% $10.2M Stable Single Stable/Up Deposit ↗
EARNXLM Gami Labs · Gami earnXLM 5.00% base 5.00% 4.95% $3.9M — Single Stable/Up Deposit ↗

Protocols on Stellar

Assets on Stellar

USDY3.56% XLM<0.01% EARNUSDC9.93% USDC6.92% EARNXLM4.95%

Earning on Stellar

Rates on a chain reflect its own supply and demand: lending markets pay more where traders borrow more, and liquidity pools pay more where volume is high relative to liquidity. Stablecoin pools on Stellar currently pay a median of 7.62% (single asset, $1M+ TVL). To bring funds here, use the canonical bridge or an aggregator from the bridge list, and keep a little native token for gas.

Questions people ask

What is the best yield on Stellar right now?
The top APY among Stellar pools with at least $1M of liquidity is 9.93%. Median across liquid pools: 3.58%. Stablecoin pools on Stellar pay up to 9.93% (median single-asset 7.62%).
Which protocols have the most liquidity on Stellar?
Ondo Yield Assets ($535.9M), Blend Pools V2 ($157.2M), Gami Labs ($28.6M).
How do I move funds to Stellar?
Use the chain’s canonical bridge or a bridge aggregator; our bridge list shows which ones support Stellar. Keep some native gas token for transactions.