How does lending on Stellar work?

XOXNO lending on Stellar runs on Soroban smart contracts. Supply XLM or USDC to the money market and earn the supply APY paid by borrowers. Your balance accrues every second, and you can withdraw at any time.

How do I earn yield on USDC or XLM?

Supply USDC or XLM to a XOXNO lending market. Interest is paid in the token you supply and compounds automatically: 100 USDC supplied at 10% APY grows to roughly 110 USDC over a year. No lock-ups, withdraw whenever you want.

Is XOXNO non-custodial?

Yes. Every supply, borrow and liquidation is executed by open-source smart contracts on Stellar, and parameter changes go through timelocked on-chain governance. You keep custody of your funds at all times.

Can I lend stablecoins and real-world assets (RWAs) on Stellar?

USDC and XLM markets are live on Stellar today. New Stellar assets, including stablecoins like EURC and tokenized real-world assets, can be listed through on-chain governance as the ecosystem grows.

Non-custodial lending protocol

The money market on Stellar.

Supply USDC or XLM and earn yield paid by borrowers, or borrow against your assets without selling them. Non-custodial and live now.

Start earning Explore markets

Read the blogDeveloper docs

MarketsLive

MarketSuppliedSupply APY

XLMXLM$1.52K0.00%

AQUA/USDC LPAQUA/USDC LP$395.530.00%

USDCUSDC$46.320.74%

EURCEURC$21.160.44%

XAUMXAUM$13.140.00%

xSolvBTCxSolvBTC$10.420.00%

10,000 USDC supplied

10,000.00000000USDC

Illustration at today's 11.58% APY

MarketsLive

MarketSuppliedSupply APY

Hello World

1200

Hello World

1200

Hello World

1200

Hello World

1200

Hello World

1200

Hello World

1200

Hello World

1200

Hello World

$1.23Msupplied$269Kborrowed901lenders

Open-sourceNon-custodialOn Stellar

1200

How capital moves

A non-custodial protocol where every action is executed on-chain.

You

Supply USDC or XLM and start earning.

The pool

One shared market per asset sets rates from supply and demand.

Borrowers

Post collateral, borrow against it, and repay anytime. No lock-ups.

Interest flows back to you

Three ways in.

Every position is isolated, so you manage risk asset by asset.

Earn

Supply assets and earn interest paid by borrowers. Your balance accrues every second, and you can withdraw at any time.

Best supply APY today

11.6%

Start earning

Borrow

Access liquidity without selling. Post collateral and borrow against it, fully on-chain. Advanced: E-Mode and flash loans.

Borrow now

Long & Short

Open leveraged long or short positions on any supported market.

Open a position

Why XOXNO?

Non-custodial. Audited. Fully on-chain. Isolated positions.

Non-custodial.: Funds stay in open-source smart contracts; parameter changes go through timelocked on-chain governance.
Audited.: Every contract that touches funds goes through independent security review.
Fully on-chain.: Prices, liquidation thresholds, and positions are verifiable by anyone, at any time.
Isolated positions.: Each position carries its own collateral and health factor, so one market's risk stays in that market.

Cross-Chain

Move value in from 15+ chains.

USDC, USDT, EGLD and more arrive on Stellar in about a minute.

Ethereum

Solana

Arbitrum

Base

Polygon

Avalanche

+9 more

15+

Supported Chains

Multi-Chain Support

Bridge from Ethereum, Solana, Arbitrum, Base, Optimism, Avalanche, Polygon, and many more chains.

Start bridging

Bridge Time

~60 seconds

Bridge now

Fast Mode

Available for USDC

Try Fast mode

Popular Tokens

USDC, USDT, EGLD & more

Wide Token Support

Bridge popular stablecoins and major cryptocurrencies with competitive fees and fast settlement times.

View all tokens

MultiversX & Stellar

Bridge now

Stellar lending, explained

XOXNO is a non-custodial DeFi protocol on Stellar. Its core product is a lending protocol: a money market where you supply assets to earn yield, borrow against your collateral, and build multiply or leveraged strategies.

Put your assets to work.

11.6%Best supply APY today

Start earning

DeFi Governance

The money market on Stellar.self.__wrap_n!=1&&self.__wrap_b("_R_99j5fiv5tll7l7ivb_",1)

How capital movesself.__wrap_n!=1&&self.__wrap_b("_R_2aj5fiv5tll7l7ivb_",1)

Three ways in.self.__wrap_n!=1&&self.__wrap_b("_R_2bj5fiv5tll7l7ivb_",1)

Earn

Borrow

Long & Short

Non-custodial. Audited. Fully on-chain. Isolated positions.

Move value in from 15+ chains.self.__wrap_n!=1&&self.__wrap_b("_R_15dj5fiv5tll7l7ivb_",1)

Stellar lending, explained

01. What is XOXNO?

02. How does lending on Stellar work?

03. How do I earn yield on USDC or XLM?

04. Is XOXNO non-custodial?

05. Can I lend stablecoins and real-world assets (RWAs) on Stellar?

Put your assets to work.

The money market on Stellar.

How capital moves

Three ways in.

Move value in from 15+ chains.