Yield
XRP on Nexo
Nexo pays 3.15 % APY on XRP (XRP) as a Flexible rate. On YieldScope Nexo carries a safety grade of C, scored across five risk criteria. Below: where XRP earns more — and where it earns safer.
WhiteBIT B Yield source: Exchange Earn
Where else XRP earns
Nexo pays 3.15 % on XRP. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| Nexo (this page) | 3.15 % | Flexible | C |
 CoinDepo | 12 % | Flexible | F |
 YouHodler | 12 % | Flexible | F |
| WhiteBIT | 10.9 % | 🔒 30d lock | B |
 OKX Earn | 1.0 % | Flexible | B |
 Bybit Earn | 0.7 % | Flexible | C |
Nexo is graded C. If safety matters more than a few extra basis points, Bitget Earn earns XRP at a higher grade (A).
Why Nexo is graded C
Five binary safety criteria — each one passed or not. The more passed, the safer.
- ✗ Regulation
In January 2023 — SEC settlement of $45M over securities-law violations (the Earn Interest product was deemed an unregistered security). Source →
- ✓ Proof-of-Reserves
Publishes a daily Real-Time Attestation by Moore (replaced Armanino in late 2022). Reserves cover liabilities 100%+. Source →
- ✓ Flexible withdrawal
Flexible Earn is available for most assets. Fixed-term offers a higher rate but with a lock. Source 1 → Source 2 →
- ✓ Insurance Fund
$775M insurance via BitGo and Ledger Vault. Covers all hot-wallet assets. Source →
- ✗ Track record (2+ years incident-free)
SEC settlement January 2023 ($45M fine). Bulgarian financial police raided Nexo's Sofia offices in October 2022, and four people were charged in January 2023. Closed US products after regulatory pressure; relaunched in the US in February 2026 with a compliant framework via Bakkt. Source 1 → Source 2 → Source 3 →
XRP rate history on Nexo
Over the 39 days we have recorded it, Nexo changed this XRP rate once; the current one has held for 1 days.
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How XRP yields moved across exchanges
from 2026-05-25 to 2026-07-29
Among the 16 venues we have XRP history for, Nexo currently sits at #4 by rate — with 39 days of our own daily snapshots behind that number.
Source: daily snapshots via exchange APIs
Your money, this pair
How much will you earn?
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.
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How XRP earns on Nexo
When you deposit XRP into Nexo's earn product you receive 3.15 % APY as a Flexible rate. The platform puts the asset to work and shares the yield — your balance grows without you doing anything.
This is a base rate, not a promotional teaser: it's what an ordinary deposit actually earns. Nexo carries a YieldScope safety grade of C, so weigh the yield against platform risk — a higher rate on a weaker grade is not automatically a better deal.
Rates on XRP move with lending demand and market conditions. We re-check them daily and keep a history, so you can see whether today's number is unusually high, unusually low, or steady.