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XMR · Monero

Where XMR earns the most — safely.

Altcoin

The highest XMR rate on YieldScope right now is 3.61 % APY on Bitfinex — safety grade D, Earn. Across 5 venues we track, XMR averages 1.32 % APY. Rates float and are refreshed daily; last updated 2026-10-18.

Best rate right now
3.61 %
Bitfinex D
Flexible · withdraw anytime · base rate
Visit site →
Average
1.32 %
Average 1.32 % across 5 platforms
Rank
#13
Market cap
$11.0B
24h volume
$182M
From ATH
-27%
1y change
+90%
Price · 1 year
$584.59+100.3% · 1Y

ATH $797.73 on Jan 2026·upd. Oct 18

The spread

One coin, 5 prices for your trust

Rate range

0.01 %
low
1.32 %
avg
3.61 %
high
Rate history

How XMR yields moved across exchanges

Best rate over time
3.61 %

from 2026-06-28 to 2026-10-18

Source: daily snapshots via exchange APIs

All venues

All platforms for XMR

Platform Best ↓ Type Platf. risk
Bitfinex 3.61 % lending D Open →
Bitrue 1.5 % flexible D Open →
HTX 1.0 % flexible C Open →
KuCoin 0.5 % flexible D Open →
Poloniex 0.01 % flexible C Open →

How much will you earn?

XMR
PlatformInterestTotal
★Bitfinex+0.367010.3670
Bitrue+0.151010.1510
HTX+0.100510.1005
KuCoin+0.050110.0501
Poloniex+0.001010.0010
On Bitfinex:+0.0010per day·+0.0301per month·+0.3670per year
🏦 A bank at 0.5% would pay just +0.0501 XMR over this period.The top rate here pays 7.3× more.

Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.

Coin summary
Rank#13
Platforms with offers5
Best flexible1.5 %
Best overall3.61 %
Average1.32 %
Rate moves

XMR rates on the move

Recently increased
FAQ

XMR yield FAQ

What's the best XMR interest rate right now?

The highest XMR rate we currently track is 3.61% APY on Bitfinex, which we grade D for safety. These are base rates refreshed daily — not promotional teasers.

Is earning interest on XMR safe?

It depends on the platform, not the coin. We grade every platform A–F on five checks: regulation, proof-of-reserves, flexible withdrawals, an insurance fund, and track record. Check the grade next to each rate before depositing — a higher APY often means higher risk.

Are these XMR rates promotional?

No. We track 5 platforms for XMR and publish base rates only — never the headline promo or teaser tiers that apply to tiny balances. Floating rates are labelled as snapshots, so the number reflects what a normal balance realistically earns.

XMR

What is XMR

Monero (XMR) — an altcoin. See CoinGecko for full project details: https://www.coingecko.com/en/coins/monero

Known risks

  • ⚠High price volatility
  • ⚠Regulatory uncertainty in some jurisdictions
  • ⚠Smart contract / chain-specific risks

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