Stellar

Staking on Stellar means locking your XLM with a validator that helps run the network. In return, the network pays you a share of newly created tokens — similar to how a savings account pays interest, but the rate is set by the protocol, not a bank.

Right now the top validators on Stellar pay varies by validator per year, after their commission. The rate moves with the chain's inflation schedule and how much of the supply is staked overall.

Your tokens stay in your wallet — you never hand them over. The two real risks are slashing (the network can shrink your balance if your validator misbehaves, which is rare) and lock-up (you can't sell instantly during the unbonding period). Pick a validator with a track record and you sidestep most of the risk.

Yes, but unstaking is not instant. Most chains have an unbonding period of a few days to a few weeks during which you don't earn rewards and can't sell. Liquid-staking tokens (like stETH for Ethereum) sidestep this by giving you a tradeable receipt token.

Any non-custodial wallet that supports Stellar works — Phantom or Solflare for Solana, Keplr for Cosmos chains, MetaMask for Ethereum and EVM chains, Yoroi or Eternl for Cardano. Connect, choose a validator, click delegate. The whole flow takes a couple of minutes.