XLM Earn Campaign

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.

Starting from October 16, 2025, this campaign also gives users the opportunity to get rewards at a Boosted APY rate. The additional rewards will be available only to those users joining the campaign after the date specified above, and will be awarded until this prize pool is exhausted. Bonus rewards are only awarded for the first 33 XLM deposited into XLM Earn.

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: November 16, 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

Under the campaign Crypto Wallet provides Base and Boosted APY. Both Base and Boosted 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 33 XLM.

Note: XLM Earn Campaign may become temporarily unavailable if the total amount of all user deposits reaches 20.8 million 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 (both Base and Bonus) 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.

What does Boosted APY mean

Boosted APY helps you make an extra return on your Earn deposit. Boosted APY uses the same calculation formula as Base APY, but applies only for the first 33 XLM for a specified time period.

Extra rewards at the Boosted APY rate are only available to users who are depositing to XLM Earn for the first time. If you are joining XLM Earn for the first time (even if you participated in other Earn campaigns before), you will be eligible for Boosted APY rewards after you make your first XLM Earn deposit.

Read here on how Boosted APY rewards are calculated.

How does Boosted APY work

Between October 16 and November 16, all the users who make their first deposit to XLM Earn during the outlined period will be earning rewards at a Boosted APY rate of up to 333%.

Boosted rewards at up to 333% APY will accrue on the first 33 XLM deposited in your Earn account. If your Earn balance exceeds 33 XLM, Boosted APY will apply only to the first 33 XLM, and the remaining balance will earn rewards at the current Base APY. The rewards will be calculated according to the standard formulas outlined later in this article.

Boosted rewards are calculated using the same formula as Base rewards, but with some limitations. Boosted rewards at up to 333% APY will accrue only on the first 33 XLM received in your Earn account. If your Earn balance exceeds 33 XLM, Boosted APY will apply only to the first 33 XLM, and the remaining balance will earn rewards at the Base APY.

Example calculations (assuming a 33% Base APY):

  • If you deposit 33 XLM you will receive rewards at up to 333% Boosted APY (i.e. base rewards at 33% Base APY + extra rewards at approximately 300% APY) on the entire deposit.
  • If you deposit 60 XLM, you will receive rewards at up to 333% Boosted APY (i.e. base rewards at 33% Base APY + extra rewards at approximately 300% APY) only on the first 33 XLM deposited. The remaining 27 XLM will earn you rewards at 33% Base APY.

Note: Boosted rewards are available until November 16, 2025, or until the Boosted prize pool is exhausted.

How is APY calculated and what does it depend on

Between October 16 and November 16, all the users who make their first deposit to XLM Earn during the outlined period will be earning rewards at a Boosted APY rate of up to 333%.

Boosted rewards at up to 333% APY will accrue on the first 33 XLM deposited in your Earn account. If your Earn balance exceeds 33 XLM, Boosted APY will apply only to the first 33 XLM, and the remaining balance will earn rewards at the current Base APY. The rewards will be calculated according to the standard formulas outlined later in this article.

The percentage value for Boosted APY is the sum of Base APY (may change daily) and APY for extra rewards, and may reach 333%.

Note: the percentage value that you see in the ‘APY’ field is the effective rate, accounting for both Base and Boosted APY rates.

Effective APY (Annual Percentage Yield) is the real rate of return, expressed as a percentage, that shows how much you can earn in one year, taking into account the effect of compounding interest. It differs from Base APY by incorporating how frequently the interest is compounded (in this case - daily). See here how the effective rate is calculated.

Why does APY change

The Base APY percentage may change daily due to market conditions and blockchain performance.

As a rule, the Boosted APY percentage is fixed throughout the program; that said, in some situations, it may change at Crypto Wallet's discretion.

Boosted APY is available for a limited time — that is:

  • Until November 16, 2025, 23:59 UTC.
  • Until the Boosted prize pool is exhausted.

Once any of these two conditions is no longer valid, Boosted APY will no longer apply.

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 are the Boosted APY rewards calculated

Here is the formula to calculate your Base rewards:

And here is the formula to calculate your Boosted rewards:

Example: you deposited 1000 XLM to your Earn account during the Boosted APY period.

If the Base APY is 33%, then you will receive the following reward on the full balance:

If the Boosted APY is 300%, then you will receive the reward with this APY on your deposit’s first 33 XLM only:

This way, your total reward per day (Total Payout) will be:

Why is 33% Base APY + 300% Boosted APY ≠ 333%

This is because the annual percentage yield (APY) already accounts for compound interest (reinvestment). APY is not just a “yearly rate” but the eventual capital growth including the fact that the earned profit itself starts generating new profits. Due to compounding, the result is always higher than the simple sum.

Since in this case the annual rates apply sequentially (first Base APY, then Boosted APY), the final APY is calculated using the following formula:

If you first earn rewards at a 33% APY, and then another 300% APY is applied to the increased balance, then you will get the following Final APY:

The final APY is 431.25%, not 333% (since the second reward payment goes to an already increased balance). Due to compounding, the final result is always greater than the simple sum. As a result, in order for the final APY to be exactly 333%, rewards for the current day may accrue at an APY lower than 333%.

How is Effective APY calculated

Here is the formula to calculate the applicable Effective APY:

For example, in scope of the above calculations, the Effective APY will be:


How much will I receive if I deposit 100 XLM on October 17? 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 33% APY. The reward for October 18 will be calculated based on a balance of 0 XLM, as the minimum balance on October 17 was 0 XLM. The reward for October 19 will be calculated based on the minimum balance on October 18, which is 100 XLM. In that case, the reward would be around 0.0781 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. By tapping ‘See Details’, you can also see which of the accrued rewards are Base APY rewards, and which are Boosted APY ones.

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.