THE XRP NEOBANK

22% APY on idle XRP. XRPL treasury custody. No lock-up.

LAUNCH XORA → LEARN MORE ↓
22% MAX APY
3s SETTLEMENT
TBD CARD FEES
XRPL NETWORK
XORA XRP neobank — earn 22% APY on your XRP holdings
LIVE APY 22.0%
LAST TXN +5,200 XRP
XRPL LIVE
XRPL NATIVE / 22% APY / 3-SECOND SETTLEMENT / XRPL TREASURY CUSTODY / NO LOCK-UP / CARD ROADMAP / DAILY YIELD / CARD ROADMAP /
HOW IT WORKS

4 STEPS.
NO MOTION DESIGNER.

XORA
Welcome back
Sign in with passkey to access your XRP balance.
or use Google · Email · Wallet
DEPOSIT ADDRESS
rhbErkS2d4H82tRbdGyFkh… COPIED ✓
DESTINATION TAG (REQUIRED)
3941827 COPIED ✓
Always include the destination tag. XRP without it is lost.
YOUR BALANCE
12,480.50 XRP
≈ $16,848.68 USD
EARNING NOW 22.0% APY
+0.7137 XRP today
Withdraw XRP
Instant settlement to any XRPL address.
rXXXX…AHaQPASTE
500.00XRP
XORA COIN

HOLD XORA.
UNLOCK MORE.

The more you hold, the more the bank opens up.

Metal Tier Cards

Planned metal card tiers and travel perks. Unlocks at higher tiers.

Private Deal Flow

First look at curated venture and on-chain RWA allocations.

Travel Discounts

Discounted flights and hotels, paid in XRP.

Concierge Banking

A human contact. Wires, OTC, taxes, family-office tooling.

Higher APY Tiers

Bonus XRP rate on top of the base 15%, scaled by holdings.

Governance Weight

Vote on treasury, integrations, and yield-curve changes.

* Tiers unlock as XORA supply hits thresholds.

THE APP

YOUR XRP NEOBANK
IN YOUR POCKET.

9:41
●●●● 5G 100%
Good morning
TOTAL BALANCE
45,280 XRP
≈ $36,224.00
↑
Send
↓
Receive
◈
Card
↗
Swap
•••• •••• •••• 4280
XORA
RECENT
↓
Deposit Today
+5,200 XRP
◎
Earnings Today
+42.5 XRP
↗
Amazon Yesterday
-120 XRP
↗
Uber Yesterday
-18.5 XRP
↓
Transfer In Feb 24
+10,000 XRP
↗
Apple Store Feb 23
-89 XRP
◎
Earnings Feb 23
+41.2 XRP
↗
Netflix Feb 22
-15.99 XRP
Send
XRP
0.00
≈ $0.00
TO
rAddress or username
100 500 1,000 MAX
Send XRP
Receive
YOUR ADDRESS
rXoRA...4k8N
Copy Address
Card
XORA
4280 •••• •••• ••••
HOLDER
CARDHOLDER
EXPIRES
12/28
❄Freeze
◉Details
⊘Limits
CARD SPENDING
This month -2,840 XRP
Daily limit 10,000 XRP
Swap
FROM
XRP 1,000
⇅
TO
USD ≈ 800.00
1 XRP = $0.80 · card fees TBD
Swap
⌂ Home
◈ Card
◷ Activity
EARN

22% APY on idle
XRP.

Your XRP earns automatically.

LAUNCH XORA →
SAVINGS RATE
22.0 % APY
EARNINGS DAILY
LOCK-UP NONE
WITHDRAW ANYTIME

BANK YOUR XRP.

Deposit. Earn. Withdraw. No catch.

LAUNCH XORA →
WHY XORA

NOT YOUR
AVERAGE BANK.

XORA TRAD BANK CEX
Savings APY 22% 0.5% 3 — 8%
Withdrawal Instant 1 — 3 days Minutes
Lock-up None CD: 6 — 60 mo 30 — 90 days
Card Fees TBD 1 — 3% 0.5 — 2%
Custody XRPL treasury Custodial Custodial
Settlement 3 seconds T+1 to T+3 Minutes
Debit Card Roadmap Physical Limited
COMPARE XORA → YIELD RATES →
FAQ

FREQUENTLY ASKED QUESTIONS

Treasury XRP backing is visible on the XRP Ledger; individual user balances are internal ledger records reconciled against treasury funds. Segregated custodial wallet, 24/7 monitoring, and a finite depositor reserve buffer funded from protocol revenue. The reserve can help absorb losses up to its balance; it is not a guarantee. Multisig migration is on the roadmap.

Deposit XRP and start earning up to 22% APY (15% native XRP yield plus estimated XORA reward value) from day one. No lock-up. Rewards compound daily.

10% performance fee on yield only. Zero deposit, withdrawal, or monthly account fees. 0.1% on swaps. Card network and FX fees are roadmap items until card access appears in the app.

Anytime. No cooldown, no penalties. Settles on the XRP Ledger in under 5 seconds. Yield keeps accruing right up to the moment you hit withdraw.

The Xora Card is planned for XRP-to-fiat spending from the Xora account balance. Card network, wallet support, fees, and limits are roadmap items until card access appears in the app.

OPEN YOUR
XORA ACCOUNT

Deposit XRP. Track yield. Withdraw anytime.

LAUNCH XORA → CALCULATE YIELD →
Roadmap updates
EARLY ACCESS
𝕏 Twitter · Whitepaper