Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- None
- Availability
- Worldwide
What we like
- Extremely high APY rates
Things to know
- Higher risk profile
9 Verified Lending Platforms
XRP Lending
Compare the best XRP lending rates from top lending platforms. Earn competitive APY on your XRP with flexible or fixed-term lending options.
#2
HEXN
Lending XRP, BTC, ETH
XRP APY
6.00%
Lockup
30-365 days
Fees
Yes, for early withdrawls
Account Details
- Lockup Period
- 30-365 days
- Compounding
- None
- Fees
- Yes, for early withdrawls
- Availability
- Worldwide
What we like
- High rates for a wide amount of crypto
Things to know
- Minimum 30 day lock up
- Funds are locked while earning
- Newer, unproven platform (i.e. higher risk profile)
#3
EarnPark
Lending XRP, BTC, ETH
XRP APY
5.00%
Lockup
None
Fees
Yes (network fees)
Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- Yes (network fees)
- Availability
- Worldwide (services limited in the US)
What we like
- Good interest rates
- Wide amount of supported assets
Things to know
- Rates will fluctuate
- Multiple yield strategies are confusing and earn differently
- Funds may be hard capped
Nexo
loans XRP, BTC, ETH
XRP APY
5.00%
Lockup
None or 1 month
Fees
Limited free withdrawls per month
Account Details
- Lockup Period
- None or 1 month
- Compounding
- Daily
- Fees
- Limited free withdrawls per month
- Availability
- Worldwide
What we like
- Good rates for all coins deposited
- Popular platform
- 1-5 free withdrawal per month depending on loyalty tier
Things to know
- $5,000 minimum deposit
- Best rates require earning in NEXO token
Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- Yes
- Availability
- Not available in the US, Canada
What we like
- Compounding interest
- No lockups
- Wide coin support
Things to know
- Not available in the US
- Better rates require heavy trading volumes
- No signup bonus
Account Details
- Lockup Period
- 1-4 months
- Compounding
- None
- Fees
- None
- Availability
- UK, Europe and Latin America
What we like
- Wide variety of supported tokens
- Flexible terms
Things to know
- Limited availability beyond Europe
Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- Varies
- Availability
- Worldwide, excluding US
What we like
- Wide variety of coins
Things to know
- High rates are tied to promotions (we’ve removed these for now since access is limited)
Coinmetro
Exchange XRP, BTC, ETH
XRP APY
2.00%
Lockup
3, 6, 12, or 24 months
Fees
Yes
Account Details
- Lockup Period
- 3, 6, 12, or 24 months
- Compounding
- None
- Fees
- Yes
- Availability
- Worldwide
What we like
- Full exchange service with on- and off-ramps
- XRP staking plan available
Things to know
- All rewards forfeited for leaving a staking plan early
Account Details
- Lockup Period
- Flexible
- Compounding
- None
- Fees
- Yes
- Availability
- Worldwide
What we like
- Offers on and off-chain staking
- Full exchange services
Things to know
- Interest rate will vary (Kraken takes a flat 15% from staking rewards)
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How XRP Lending Works
1. Deposit XRP
Transfer your XRP to a lending platform.
2. Earn Interest
Borrowers pay interest to access your XRP. You earn APY.
3. Withdraw
Most platforms offer flexible terms. Withdraw your XRP plus earnings depending on terms.
Checklist: How to Choose a XRP Lending Platform
- Compare XRP Lending Rates Look for the highest APY on XRP lending. Rates vary between platforms and how yield is earned.
- Check Security & Audits Only use audited platforms with proven track records. Look for insurance coverage on your XRP deposits.
- Understand Lockup Terms Flexible lending allows instant withdrawals. Fixed-term lending locks your XRP for higher APY but less liquidity.
Frequently Asked Questions About XRP Lending
What is XRP lending?
XRP lending is the process of depositing your XRP into a platform or protocol that lends it to borrowers. In return, you earn interest (APY) on your deposited XRP. This is similar to earning interest in a traditional bank account, but typically with much higher rates.
What are the best XRP lending rates in 2026?
The best XRP lending rates in 2026 vary by platform and market conditions. Top platforms listed above offer competitive APY ranging from 3-12% depending on whether you choose flexible or fixed-term lending. DeFi protocols often offer higher rates but with more complexity, while CeFi platforms provide easier access with slightly lower returns.
Is XRP lending safe?
XRP lending carries risks, including smart contract vulnerabilities (DeFi), platform insolvency (CeFi), and market volatility. To minimize risk: only use audited platforms, diversify across multiple lenders, start with small amounts, and look for platforms with insurance coverage. Never lend more XRP than you can afford to lose.
How do I start lending XRP?
To start lending XRP: 1) Choose a lending platform from the comparison above, 2) Create an account and complete KYC (if required), 3) Transfer your XRP to the platform, 4) Select your lending terms (flexible or fixed), 5) Deposit your XRP and start earning interest automatically. Most platforms compound your earnings daily.
Disclaimer: XRP lending rates are variable and subject to change. APY is not guaranteed. Always do your own research (DYOR) and never lend more than you can afford to lose. Cryptocurrency lending carries significant risks.
