XLM Earn

XLM Earn Campaign

XLM Earn is a new Earn campaign that allows you to earn daily rewards for depositing XLM in your Earn account.

You can join by checking the Earn page in Crypto Wallet, choosing ‘XLM’ and tapping on ‘Start Earning’. By participating in XLM Earn, you will receive daily XLM rewards 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: September 1, 2025.

End of campaign: October 30, 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 exchange them to other tokens.

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 XLM Earn Campaign come from

The XLM rewards come from Crypto Wallet's dedicated total prize pool of 1.145 million 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 certain countries or specific regions.

You can check whether the XLM Earn 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 XLM into my Earn account

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

  • Deposit XLM from another wallet or from a centralized crypto-exchange (CEX).
  • Exchange other cryptocurrencies for XLM.

After being deposited into your Earn account, the funds will appear in the ‘Balance’ section on the XLM Earn page.

How much can I deposit into my Earn account

You can deposit up to 2500 XLM to your Earn account.

The minimum deposit amount is 25 XLM.

When will I receive my first rewards

You will start earning rewards the next full day following your deposit successfully reaching your Earn account. For example, if you deposit your XLM at 23:00 UTC on September 1, and it successfully is credited to your Earn account, you will accrue rewards starting September 3 (between 07:00 and 12:00 UTC).

In this case, only September 2 is counted as a full day. September 1 will not be counted in the calculation, since it wasn't a full day of your funds stored in the Earn account (i.e. it was only 1 hour out of the entire day of September 1).

The reward amount for a specific day depends on the minimum balance that you had in your Earn account on the previous calendar day. In the example above, you are not eligible for September 2 rewards, since the minimum balance on September 1 was 0 XLM. The reward for September 3 will be calculated based on the minimum balance on September 2.

Where will the rewards be credited

Rewards in XLM are accrued daily in separate transactions on the remaining deposit balance of your Earn account. After that, you will be able to transfer them to your main Crypto Wallet balance 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 XLM, APY will help you understand how much XLM you would accrue over a one-year period. The interest you earn will then roll into the next calculation: the longer you keep funds in Earn, the larger your yield will be over time.

The APY rate is volatile, and its percentage changes daily. A certain reward amount is not guaranteed. For up-to-date APY information, always refer to the XLM Earn page.

How are the rewards calculated

Here is the formula to calculate your reward:

Example: you deposited 1000 XLM to your Earn account.

If the APY rate is 25%, then you will receive the following daily reward:

How to accurately calculate the daily reward?

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

  1. First of all, let's take into account annual rate (100%+25%), where:
  • 1 is your initial deposit (100%).
  • 0.25 is the 25% 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 profit.

Thus, your daily profit from a 1000 XLM deposit would be around 0.6 XLM.

How much will I receive if I deposit 100 XLM on September 1? 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.

Let us look at the example above, accounting for 25% APY. The reward for September 2 will be calculated based on a balance of 0 XLM, as the minimum balance on September 1 was 0 XLM. The reward for September 3 will be calculated based on the minimum balance on September 2, which is 100 XLM. In that case, the reward would be around 0.06 XLM.

Your rewards will continue to accrue every day after — without needing to add more XLM to your Earn account.

Why am I receiving different rewards amounts on different days, despite the same total deposit

The APY rate is volatile, and its percentage amount may change daily, due to market conditions and blockchain performance. If APY rates change, the reward amount may also differ on different days, even if the deposit amount is the same.

Where can I see my accrued rewards

You can see the total rewards accumulated during your entire period of participation in XLM Earn in the ‘Total Earned’ section on the Earn page. 

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

Do I need to complete verification to participate in XLM Earn

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 by сhoosing the desired program.

To participate in XLM Earn, 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 XLM Earn, 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 of the campaign. If you failed to pass KYC, we recommend that you contact our customer support. Our team will take a closer look at your situation and communicate the next steps.

I no longer wish to participate in XLM Earn

You can close your Earn account and withdraw the whole deposit, along with the rewards earned, at any time. To do so, tap ‘Withdraw’ and type in the amount for withdrawal. The XLM amount (your deposit plus rewards) will appear in your Crypto Wallet balance.

When requesting a withdrawal from your Earn account, you withdraw funds from its joint balance, including both your deposit and all the rewards earned.

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

Yes, you can deposit and participate again. 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 were not claiming your rewards during the Campaign period. The XLM amount (your deposit plus all the rewards earned) 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.

Did this answer your question? Thanks for the feedback There was a problem submitting your feedback. Please try again later.