TON × XLM Campaign

TON × XLM Campaign

This limited-time campaign gives you the opportunity to earn up to 56% APY in rewards on the Toncoin (TON) you store in your Earn account, paid in XLM tokens.

You can join by checking the Earn page in Crypto Wallet, choosing ‘TON × XLM’ and tapping on ‘Start Earning’. Deposit up to 800 TON in Earn and get daily rewards in XLM for your deposit.

If you need help topping up your Crypto Wallet, check out the instructions here.

Make sure to read the Terms of the Campaign here.

Note: the campaign duration depends on the number of participants. If the prize pool is fully used before the official campaign end date, then the campaign will finish ahead of the planned date. Rewards will only be available until the campaign’s scheduled end date or until the prize pool is exhausted, whichever comes first.

Start of campaign: August 26, 2025

End of campaign: September 9, 2025

What is XLM

Stellar or Lumen (XLM) is the native token of the Stellar network, designed for fast, low-cost cross-border payments and asset transfers. XLM is used to pay fees, maintain minimum account balances, and serve as a bridge cryptocurrency between assets. The Stellar ecosystem supports smart contracts and solutions for integrating financial assets, making global financial services more accessible. 

Using Crypto Wallet, you can withdraw and deposit XLM from external services, as well as swap them to other tokens via our Trade section.

Stellar is an independent project with no affiliation to the Crypto Wallet team. For more updates and details about the project, check token’s official website.

Where do rewards for the TON × XLM Campaign come from

The XLM rewards come from Crypto Wallet's dedicated total prize pool of 675 thousand XLM.

Is participation restricted for certain regions

Yes, there may be certain regions where participation is restricted. In accordance with the User Agreement, Crypto Wallet reserves the right to select participating markets and jurisdictions, and may restrict some services in countries or specific regions.

You can check whether the TON × XLM Campaign is available to you in the ‘Earn’ section. If you do not see the related ‘Earn’ tab in your Crypto Wallet, it is likely that the Campaign is not available in your region.

How can I deposit TON into my Earn account

On the TON × XLM page, tap ‘Deposit’ and type in the amount in TON that you wish to place in the Earn account. If you don’t have enough TON in your balance, you can top up your Crypto Wallet in the following ways:

After being deposited into your Earn account, the funds will appear in the ‘Balance’ section on the TON × XLM page. Later on in this section, you will be able to view the funds you deposited, rewards in XLM not included.

How much can I deposit into my Earn account

You can deposit up to 800 TON to your Earn account.

The minimum deposit amount is 0.1 TON.

When will I receive my first rewards? Where will they be credited

You will start earning rewards in XLM one day after your deposit successfully reaches your Earn account. For example, if you deposit your TON on August 26, and it successfully is credited to your Earn account, you will accrue XLM rewards starting August 28 (between 07:00 and 12:00 UTC).

Rewards in XLM accrue daily in the dedicated ‘Your Rewards’ section on the TON × XLM page. After that, you will be able to transfer them to your main Crypto Wallet balance. Rewards can be withdrawn to your Crypto Wallet in parts or all at once, upon canceling your participation in the Campaign.

What does APY mean

APY (Annual Percentage Yield) refers to the annual rate of return on your Earn deposit, expressed as a percentage. In simple words, if you deposit TON, APY will help you understand how many XLM tokens you would accrue over a one-year period.

For up-to-date APY information, always refer to the TON × XLM Campaign page.

How are the rewards calculated

We calculate the reward amount in TON and then convert it to XLM based on the market rate during the reward distribution period (at 07:00 AM UTC). Therefore, the reward amount can vary, increasing or decreasing, depending on the XLM exchange rate at that moment.

Here is the formula to calculate your reward in TON:

Example: you deposited 300 TON to your Earn account.

If the APY rate is 56%, then you will receive the following daily reward:

If the XLM price is 0.126 TON, you will receive 0.36 TON divided by 0.126, which equals approximately 2.8571 XLM. Your rewards will be paid in XLM.

Important: the prices of both TON and XLM are volatile, influenced by various factors including market conditions, demand, and liquidity. Data about asset prices is taken from CoinMarketCap.

How can I accurately calculate the daily reward?

Let's take a closer look at the example above and calculate the daily reward in TON together:

  1. First of all, let's take into account annual rate (100% + 56%), where:
  • 1 is your initial deposit (100%)
  • 0.56 is the 56% annual profit.

  1. Now we need to find the daily rate with the help of our annual rate. To find it, we take the 365th root, which is the number of days in a year.

  1. With this info, we can calculate our daily yield. For this, let's subtract our initial deposit (which is 1) and get the profit percentage.

  1. By multiplying the deposit by the daily yield, we get our daily reward.

Thus, your daily reward from a 300 TON deposit would be around 0.36 TON (before we convert it to XLM).

Please note: compound interest is applied when calculating rewards.

What is compound interest?

Compound interest means you earn rewards not only on your initial deposit, but also on the accrued interest. The interest is added to your deposit, so the next day’s reward is calculated on a larger amount. This process is called compounding.

In the ‘TON × XLM’ campaign the rewards are not automatically added to your deposit, you’ll need to manually transfer them for compounding to take effect. If you add your rewards back to the bonus account daily, your annual yield (APY) can reach up to 56%. Without compounding, interest is calculated only on the initial deposit, and your total return will be lower.

Important: If you deposit the maximum amount of 800 TON, you will not be able to add your rewards back to the bonus account, which means your total return will be lower.

Note that, since the deposit currency (TON) and reward currency (XLM) are different, you will need to convert your XLM rewards into TON in order to deposit them to the “TON × XLM” campaign again.

How much XLM will I receive if I deposit 300 TON on August 26? How do you calculate the reward

Reward calculation is based on the minimum deposit balance from the previous calendar day. This means you will start to see rewards accruing one day after your initial deposit.

So in the example above, the reward for August 27 will be calculated based on a balance of 0 TON, as the minimum balance on August 26 was 0 TON. The reward for August 28 will be calculated based on the minimum balance on August 27, which is 300 TON. In that case, the reward would be around 0.36 TON.

If the XLM price is 0.126 TON at the period of reward distribution, you will receive 0.36 TON divided by 0.126, which equals approximately 2.8571 XLM. Your rewards will be paid in XLM.

If you kept this same TON amount in your Earn account, you would continue to earn an additional 2.8571 XLM (approximately) every day after, until the end of the Campaign. If you deposited more TON, you would have a larger daily reward for days that followed.

Important: the prices of both TON and XLM are volatile, influenced by various factors including market conditions, demand, and liquidity. Data about asset prices is taken from CoinMarketCap.

Where can I see my accrued rewards

You can see the total rewards in XLM accumulated during your entire period of participation in ‘TON × XLM’ (and available to claim in Crypto Wallet) in the ‘Your Rewards’ section on the Campaign page.

The full reward history is accessible in your Transaction History on the Earn page.

Do I need to complete verification to participate in the TON × XLM Campaign

You have to pass verification successfully to make a deposit in your Earn account. If you haven’t verified your Crypto Wallet yet, you can do so on the Earn page when сhoosing the desired program.

To participate in the Campaign, it is mandatory to pass verification in Crypto Wallet. The required verification level depends on internal security measures and is set on a case-by-case basis, taking into account various criteria.

Once you confirm your participation in the Campaign, Crypto Wallet will suggest the verification level you need. Read more about different verification levels.

My verification (KYC) was not successful, will I be able to participate

Successful verification is mandatory for participation, in accordance with the Terms & Conditions of the Campaign. If you failed to pass KYC, we recommend that you contact our support team. Our team will take a closer look and communicate the next steps.

I no longer wish to participate in the Campaign, can I still get my rewards

You can return your TON deposit to your main Crypto Wallet balance at any time if you wish to no longer participate in the promotion. To do so, tap ‘Withdraw’. The TON deposit will be returned to your Crypto Wallet balance.

Any rewards in XLM that you accrued will still be available for you to claim. To withdraw your rewards, simply tap ‘Claim’, and all the earned XLM rewards will be credited to your Crypto Wallet as well.

I withdrew funds from the Campaign and closed my Earn account. Can I participate again

Yes, you can deposit and participate again until campaign ends. However, the Campaign terms and the APY rate are subject to change and may be different at that time.

The Campaign ended, but I haven't managed to claim my rewards

No need to worry if you did not receive your rewards during the Campaign period. The full amount (your deposit in TON plus all the rewards earned in XLM) will automatically appear in your main Crypto Wallet balance within 3 days of the Campaign’s end date, or 3 days after the prize pool is exhausted, whichever comes first.

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