FAQ

How often are rewards updated?

Rewards are streamed continuously and become claimable in real time as your position accrues eligibility.

However, there may occasionally be a short delay of several hours before new rewards appear due to data indexing and Merkl's snapshot processing. This delay is expected and does not affect your actual reward entitlement.

Why is the APR on XLend different from what I see on Merkl?

This varies by pool type:

🟦 Net Deposit pools:

• XLend shows APR based on eligible net deposit (supply minus borrow in same pool).

• Merkl shows average APR across all users, including those with zero/negative net deposits, typically resulting in lower displayed rates.

🟩 Supply & Borrow pools:

• XLend fetches APR directly from Merkl, so both should match.

• Any differences are usually due to data sync delay

How do I know if a pool uses Net Deposit or Supply & Borrow logic?

XLend clearly specifies this in each incentive announcement. You can also hover over the APR in the app to view the reward calculation method for that specific pool.

What happens if I don’t claim my rewards?

All XLend incentives must be claimed within 6 months after each campaign ends. Unclaimed rewards after this period will be reclaimed by XLend and redirected to future incentive programs.