DeFiEarns

XRP interest rates: staking, lending and yield farming

Every liquid DeFi pool that includes XRP: 22 pools across 13 protocols and 7 chains. Live APY with base/reward split, 30-day average and risk flags. Updated 21 d ago

0.50%
Best single-asset APY
0.50%
Best APY incl. pairs
0.50%
Median APY
$12.0M
Liquidity in XRP pools
3 / 22
Single-asset / all pools
Best single-asset option right now: 0.50% at Venus Core Pool on BNB Chain ($6.2M TVL, 30d avg 0.51%).
All pools Single asset Best APY Venus Core Pool Kava Mint
Pool APY 30d avg TVL ▾ 30d Risk Chain
XRP Venus Core Pool 0.50% base 0.50% 0.51% $6.2M Single Stable/Up BNB Chain Deposit ↗
XRP Kava Mint 0.00% 0.00% $2.4M Single Kava Deposit ↗

By protocol

By chain

  • BNB Chainbest 0.50% · 1 pools · $6.2M
  • Kavabest 0.00% · 1 pools · $2.4M

Borrow XRP 1 markets

MarketChainBorrow APYSupply APYSuppliedBorrowedLTV
XRPVenus Core Pool BNB Chain 3.99% 0.50% $7.4M $1.2M 50%

All XRP borrow markets →

Top single-asset XRP pools by APY TVL ≥ $1M

Paired with XRP

WETH3 pools WBNB2 pools ETH1 pools USDC1 pools WCRO1 pools USDT1 pools

How to earn on XRP

Single-asset options (lending, staking, savings vaults) pay interest without exposing you to another token; your XRP balance grows and you can withdraw the same asset. Liquidity pairs earn trading fees plus rewards but hold XRP together with a second asset, so the value moves with both prices (impermanent loss). The “Single” chip marks the first kind.

Each row links to the protocol’s own deposit page. Check the chain first: the same protocol can pay different rates on Ethereum, Base or Arbitrum, and moving funds costs a bridge fee (see bridges). Rates refresh hourly; the 30-day average shows whether today’s number is typical.

Questions people ask

What is the best XRP APY right now?
The highest single-asset rate with at least $1M of liquidity is 0.50% at Venus Core Pool on BNB Chain ($6.2M TVL). Rates are refreshed hourly; the 30-day average for that pool is 0.51%.
Where can I earn interest on XRP?
13 protocols currently list XRP pools. The largest by liquidity: Venus Core Pool ($6.2M), Kava Mint ($2.4M). Each row in the table links to the protocol’s deposit page.
Can I borrow XRP?
1 lending markets let you borrow XRP against collateral. See XRP borrow rates for the cheapest one.
Is XRP yield safe?
It depends on the pool. Single-asset lending and staking avoid impermanent loss; liquidity pairs do not. The median XRP rate across liquid pools is 0.50%; anything far above it usually carries reward-token risk or a very small market. Our methodology explains every column and flag.