Yield
Where XRP earns the most — safely.
XRP — Ripple network token for fast cross-border payments
The highest XRP rate on YieldScope right now is 10.9 % APY on WhiteBIT — safety grade B, 30d lock. The best XRP rate on a platform that passes all five of our safety checks is 0.36 % APY on Bitget Earn (Flexible). Across 16 venues we track, XRP averages 2.57 % APY. Rates float and are refreshed daily; last updated 2026-07-29.
ATH $3.65 on Jul 2025·upd. Jul 29
One coin, 16 prices for your trust
How XRP yields moved across exchanges
from 2026-05-25 to 2026-07-29
Source: daily snapshots via exchange APIs
All platforms for XRP
| Platform | Best ↓ | Type | Platf. risk | |
|---|---|---|---|---|
 CoinDepo | 12 % | flexible | F | Open → |
 YouHodler | 12 % | flexible | F | Open → |
 WhiteBIT | 10.9 % | 30d lock | B | Open → |
 Nexo | 3.15 % | flexible | C | Open → |
 OKX Earn | 1.0 % | flexible | B | Open → |
 Bybit Earn | 0.7 % | flexible | C | Open → |
 MEXC Earn | 0.5 % | flexible | C | Open → |
 Bitget Earn | 0.36 % | flexible | A | Open → |
 Gate.io Earn | 0.29 % | flexible | B | Open → |
 Kraken Earn | 0.1 % | flexible | B | Open → |
 Binance Earn | 0.06 % | flexible | C | Open → |
 CoinEx Earn | 0.03 % | flexible | D | Open → |
 Backpack Exchange | 0.02 % | flexible | C | Open → |
 KuCoin | 0.02 % | flexible | D | Open → |
 BingX Earn | 0.01 % | flexible | B | Open → |
 Bitvavo Staking | 0.01 % | flexible | A | Open → |
How much will you earn?
| Platform | Interest | Total |
|---|---|---|
| ★CoinDepo | +1.2683 | 11.2683 |
| YouHodler | +1.2683 | 11.2683 |
| WhiteBITLock | +1.1483 | 11.1483 |
| Nexo | +0.3196 | 10.3196 |
| OKX Earn | +0.1005 | 10.1005 |
| Bybit Earn | +0.0702 | 10.0702 |
| MEXC Earn | +0.0501 | 10.0501 |
| Bitget Earn | +0.0361 | 10.0361 |
| Gate.io Earn | +0.0290 | 10.0290 |
| Kraken Earn | +0.0100 | 10.0100 |
| Binance Earn | +0.0060 | 10.0060 |
| CoinEx Earn | +0.0030 | 10.0030 |
| Backpack Exchange | +0.0020 | 10.0020 |
| KuCoin | +0.0020 | 10.0020 |
| BingX Earn | +0.0010 | 10.0010 |
| Bitvavo Staking | +0.0010 | 10.0010 |
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
XRP rates on the move
What to watch on XRP
XRP yield FAQ
The highest XRP rate we currently track is 10.92% APY on WhiteBIT, which we grade B for safety. These are base rates refreshed daily — not promotional teasers.
It depends on the platform, not the coin. We grade every platform A–F on five checks: regulation, proof-of-reserves, flexible withdrawals, an insurance fund, and track record. Check the grade next to each rate before depositing — a higher APY often means higher risk.
No. We track 16 platforms for XRP and publish base rates only — never the headline promo or teaser tiers that apply to tiny balances. Floating rates are labelled as snapshots, so the number reflects what a normal balance realistically earns.
What is XRP
XRP is the native token of the XRP Ledger, developed by Ripple. ~3-second finality, cent fees. After a 4-year SEC lawsuit, a court ruled XRP is not a security in secondary-market sales (2023). Used by banks for on-demand liquidity.
Known risks
- ⚠Heavy supply concentration held by Ripple Labs (escrow)
- ⚠Monthly escrow releases pressure the price
- ⚠Not proof-of-stake, no native staking
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