Borrow XLM: rates on every exchange
Annualised margin borrow rates for XLM at VIP 0, and whether borrowing it to collect negative funding pays after every cost.
Updated 2026-10-29 16:11 UTC
XLM borrow rates by exchange
| Exchange | Now | 24 h avg | 7-day avg | Rate counted | Per-account limit | Platform remaining | Status |
|---|---|---|---|---|---|---|---|
| Bitget | 2.75% | 2.65% | 2.65% | 2.75% | $578.2K | $539.2K | Borrowable |
| Bybit | 3.29% | 3.06% | 3.03% | 3.29% | $121.3K | not published | Borrowable |
| Binance | 4.94% | 4.97% | 4.99% | 4.97% | $51.5K | not published | Borrowable |
| Gate | 7.27% | 7.36% | 7.51% | 7.36% * | $120K | not published | Borrowable |
| OKX | 6.90% | 8.10% | 7.73% | 8.10% | $72.8K | not published | Borrowable |
Annualised simply (hourly rate × 8,760). Rate counted = the higher of the current rate and the 24 h average, as in every calculation on AfterFees. * Gate: rate × the published VIP multiplier (inferred).
Reverse carry on XLM: borrow and sell spot, long the perp
No reverse XLM carry nets a profit at this size right now.
At $10,000 per side, held 7 days, after taker fees, order-book slippage and carry.
XLM perps, most negative funding first
Coins
| Funding rates and every arbitrage on this coin | XLM |
Questions
Where is it cheapest to borrow XLM?
Bitget, at 2.75% a year at the rate we count (the higher of the current rate and the 24 h average), among 5 exchanges that lend XLM.
Can I earn negative funding on XLM by borrowing it?
Not right now: no reverse XLM carry covers its borrow interest, fees and slippage at $10,000 for 7 days.
The method behind every number on AfterFees is published; Pro opens each figure into its line-by-line calculation. Estimates from current data, not investment advice. We never hold funds or trade for you.