XRP 8 offers 3 providers updated 27 August 2026 at 10:26
Compare XRP staking rewards Technically, XRP staking is not staking. You deposit your XRP with a provider and earn interest or another reward in return. The 8 offers from 3 providers below therefore involve counterparty risk rather than validator rewards from the XRP network. You may also see XRP referred to as Ripple.
XRP rates range from 0.01% to 8.25%, a difference of 8.24 percentage points. The median across the 8 offers is 1.35%, while Nexo has the highest listed return.
Below are 8 current XRP offers from 3 providers. You can sort by provider, product type or rate. Read the terms alongside the percentage, especially where a maximum rate requires a fixed period, a loyalty tier or a minimum deposit.
Enter your deposit at the top right of the table. The calculation applies minimum and maximum deposit limits, so it reflects the amount that can actually earn a return.
| Terms | |||||
|---|---|---|---|---|---|
 Nexo MiCA partner Fixed-term Savings | Lending | Fixed term · The top rate applies only at Platinum tier. At least 10% of your portfolio must be held in NEXO tokens. | 8.25% maximum rate | 0.0825 XRP | Visit Nexo $25 in free BTC |
| Nexo MiCA partner Flexible Savings | Lending | Withdrawable daily · The top rate applies only at Platinum tier. At least 10% of your portfolio must be held in NEXO tokens. | 6.25% maximum rate | 0.0625 XRP | Visit Nexo $25 in free BTC |
 Bybit MiCA FixedTermSaving | Lending | Fixed for 180 days · min. 10.000 · max. 200,000 | 2.50% fixed rate | 0.0250 XRP | Visit Bybit $50 in free USDC |
| Bybit MiCA FixedTermSaving | Lending | Fixed for 60 days · min. 10.000 · max. 500,000 | 1.50% fixed rate | 0.0150 XRP | Visit Bybit $50 in free USDC |
| Bybit MiCA FixedTermSaving | Lending | Fixed for 30 days · min. 500.000 · max. 500,000 | 1.20% fixed rate | 0.0120 XRP | Visit Bybit $50 in free USDC |
| Bybit MiCA FixedTermSaving | Lending | Fixed for 10 days · min. 500.000 · max. 500,000 | 1.00% fixed rate | 0.0100 XRP | Visit Bybit $50 in free USDC |
| Bybit MiCA FlexibleSaving | Lending | Withdrawable daily · min. 500.000 · max. 500,000,000 | 0.90% converted from APR | 0.0090 XRP | Visit Bybit $50 in free USDC |
 Bitvavo MiCA Lending | Lending | Withdrawable daily | 0.01% maximum rate | 0.0001 XRP | Visit Bitvavo €10 in free crypto |
Up to this is the maximum rate and only applies when you meet specific conditions.
From this is the lower end of a range; your actual rate may be higher.
Converted the provider publishes APR; we convert it to APY to make the rates comparable.
Bitvavo NL MiCA 64 staking381 lending
Bybit AT MiCA 73 lending
Nexo MiCA partner 60 lending
These figures cover each provider's full product range, not only the coin on this page.
Rates for XRP differ between providers. This chart places all 8 offers from 3 providers on one scale, with the highest rate at 8.25%. A higher percentage does not automatically make an offer more suitable or less risky.
Staking Liquid staking Lending Highest
What would a 8.25% rate mean for your XRP position? Enter an amount of XRP or a value in euros to compare the estimated return from each offer. The calculation assumes the rate and coin price remain unchanged.
Technically, XRP staking does not exist at network level. XRP uses a mechanism other than Proof of Stake, so you cannot lock XRP to validate transactions and receive network staking rewards. The rates on this page therefore come from interest products funded by a provider.
XRP has no on-chain network staking: the network does not pay rewards to holders. Every displayed rate is funded by a provider, so the network staking category does not apply and counterparty risk becomes central.
Your coins help secure a network and the reward comes from that network. The main additional risks are slashing and the failure of any company holding your coins in custody. More about on-chain staking.
You deposit into a protocol and receive a tradable token representing the staked position. This adds smart contract, liquidity and depeg risk to the underlying staking risk. More about liquid staking.
This is not staking. You lend your coins to a provider, which pays interest from its own resources. If the provider fails, you may be an unsecured creditor and could lose the full deposit. More about lending.
Compare current staking rewards and interest rates for other cryptoassets. Each coin page shows the available providers, rates and the product behind the return.
 BitcoinBTC | Lending | bij Nexo | 5.70% |
 EthereumETH | Lending | bij Nexo | 6.25% |
 BNBBNB | Lending | bij Nexo | 7.00% |
 USDCUSDC | Lending | bij Morpho | 4.38% |
 SolanaSOL | Lending | bij Nexo | 8.00% |
 TRONTRX | Lending | bij Nexo | 11.00% |
 HyperliquidHYPE | Lending | bij Bybit | 3.00% |
 DogecoinDOGE | Lending | bij Bybit | 3.00% |
 PolkadotDOT | Lending | at Nexo | 15.00% |
 KusamaKSM | Lending | at Nexo | 13.00% |
 Axie InfinityAXS | Lending | at Nexo | 13.00% |
 CosmosATOM | Lending | at Nexo | 11.00% |
 InjectiveINJ | Lending | at Nexo | 11.00% |
| TRONTRX | Lending | at Nexo | 11.00% |
 Bitcoin CashBCH | Lending | at Nexo | 11.00% |
 NexoNEXO | Lending | at Nexo | 9.00% |
The XRP Ledger has validators, but it does not use Proof of Stake. This explains most confusion about ‘XRP staking’. Validators agree on transaction order and validity through the XRP Ledger Consensus Protocol. They do not lock XRP as collateral and receive no XRP reward from the network.
An XRP holder therefore cannot delegate coins to a validator. There is no official staking wallet, no staking contract on the XRP Ledger and no protocol reward generated by locking XRP.
Every server chooses a Unique Node List of validators whose messages it trusts. When enough trusted validators agree, a new ledger version becomes final. The network is deliberately designed without financial validator rewards. Official XRP Ledger documentation explains that organisations run a validator because they benefit from a reliable network, not to earn newly issued XRP.
This model has no staking layer:
Validator and staking are not synonyms. A wallet supporting XRP cannot add a protocol function
that the XRP Ledger does not have.
At a central provider, it is generally lending. You transfer XRP to a company that pays interest or
uses the coins elsewhere. You then face that company’s credit and insolvency risk. A fixed term or
the label Earn does not change the product.
The XRP Ledger also has a decentralised exchange and Automated Market Maker pools. Supplying liquidity is not staking either. It introduces pool-specific risks, including changes in asset ratios and impermanent loss.
A sidechain or wrapped representation of XRP may have a staking mechanism of its own. Any reward then comes from that other chain or protocol, not the XRP Ledger, and should not be presented as official XRP staking.
When a provider asks you to ‘stake’ XRP, look for three answers:
If only the third question can be answered, assess it as lending. Our lending versus staking guide explains the differences in ownership and repayment.
The official sources are unusually clear: the XRP Ledger FAQ states that validators receive no XRP reward, while the consensus protocol documentation describes a model without Proof of Stake.
We collect rates directly from providers through their APIs or official websites and check them daily. Every rate shows when it was last checked. Providers can change terms without notice, so confirm the current rate before depositing.
Crypto returns are never guaranteed. On-chain staking can involve slashing, liquid staking adds smart contract and depeg risk, and lending can expose your entire deposit if a provider fails. In every category, a fall in the coin price can exceed the rewards earned.
StakingRewards.eu compares and explains; it does not provide investment advice. Some links are affiliate links, which may earn us a fee. This does not affect the table order, which is based on the displayed rate.