Yield
XLM on CoinDepo
CoinDepo pays 12 % APY on Stellar (XLM) as a Flexible rate. On YieldScope CoinDepo carries a safety grade of F, scored across five risk criteria. Below: where XLM earns more — and where it earns safer.
Bitfinex D Yield source: Exchange Earn
Where else XLM earns
CoinDepo pays 12 % on XLM. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| CoinDepo (this page) | 12 % | Flexible | F |
| Bitfinex | 12.5 % | Earn | D |
 WhiteBIT | 10.9 % | 🔒 30d lock | B |
 OKX Earn | 6.62 % | Flexible | B |
 Bitget Earn | 1.0 % | Flexible | A |
 Bybit Earn | 0.8 % | Flexible | C |
CoinDepo is graded F. If safety matters more than a few extra basis points, Bitget Earn earns XLM at a higher grade (A).
Why CoinDepo is graded F
Five binary safety criteria — each one passed or not. The more passed, the safer.
- ✗ Regulation
Marketing claims "licenses in 220+ jurisdictions" — a misleading statement (there are ~195 countries). The claimed Poland VASP registration and El Salvador BSP license are not independently verifiable in registries. No real prudential license. Source →
- ✗ Proof-of-Reserves
No independent proof-of-reserves. The Hacken/CertiK audits are smart-contract and security audits, NOT a financial audit of reserves or solvency. Source →
- ✗ Flexible withdrawal
Nominally a lock-free "Current Account", but in practice Trustpilot reports a "one business day security hold", withdrawal delays, blocks from missing verification codes, and weak support. Source →
- ✗ Insurance Fund
The "insurance" is Fireblocks custody cover (against hacks/key theft), NOT deposit insurance against loan defaults or insolvency. No verifiable deposit insurer. Source →
- ✗ Track record (2+ years incident-free)
Claims operation since 2021, but there is no independent confirmation it survived the 2022 CeFi crisis. Reputational flags: a Trustpilot account limit over fake reviews, bot-inflation allegations. The 12-17% yield is subsidized by its own COINDEPO token — the Celsius/CEL pattern. Source →
XLM rate history on CoinDepo
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How XLM yields moved across exchanges
from 2026-05-25 to 2026-07-17
Source: daily snapshots via exchange APIs
Your money, this pair
How much will you earn?
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.
This is not an affiliate link. Price for you doesn't change.
How XLM earns on CoinDepo
When you deposit XLM into CoinDepo's earn product you receive 12 % APY as a Flexible rate. The platform puts the asset to work and shares the yield — your balance grows without you doing anything.
This is a base rate, not a promotional teaser: it's what an ordinary deposit actually earns. CoinDepo carries a YieldScope safety grade of F, so weigh the yield against platform risk — a higher rate on a weaker grade is not automatically a better deal.
Rates on XLM move with lending demand and market conditions. We re-check them daily and keep a history, so you can see whether today's number is unusually high, unusually low, or steady.