Best XRP yield
No XRP offer meets the bar for a pick yet. The top-ranked is 6.07% APY (7-day average; 20.6% today) on Spectra MetaVaults (Flare, Yield vault), risk grade B, as of 9 Oct 2026, 09:01 UTC. It pays a rate that has not held near its 30-day average. XRP lending and wrapped-XRP yield, ranked live with risk shown.
Live XRP yields by risk grade
Grouped by risk grade (A lowest risk, D highest), each grade ranked by the lower of today's rate and its 7-day average. We may earn commissions; they never change the order.
B (Moderate risk)Moderate riskXRP offers
5 offersFlare · FXRP · Flare XRP Yield Prime · Yield vault
Flare · FXRP · DeFi lending
CeFi · XRP · CeFi earn
CeFi · XRP · CeFi earn
Each Earn link opens the platform’s own page. How we stay neutral.
Compare all 5 with filtersWhy the top-ranked offer is graded B
- A curator decides where the deposits go (curator risk)+1
- Moderate liquidity (under $25M)+1
How each kind of XRP yield works
- Yield vault
An automated strategy that compounds yield on your behalf. Non-custodial; strategy and contract risk.
- DeFi lending
Supply the asset to an on-chain money market and earn borrower interest. Non-custodial; smart-contract risk.
- CeFi earn
A custodial earn account at a centralized platform. Convenient; counterparty and custody risk.