THE XRP NEOBANK

22% APY on idle XRP. On-chain custody. No lock-up.

LAUNCH XORA → LEARN MORE ↓
22% MAX APY
3s SETTLEMENT
$0 FX 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 / ON-CHAIN CUSTODY / NO LOCK-UP / 0% FX FEES / DAILY YIELD / VISA DEBIT CARD /
FEATURES

EVERYTHING YOU NEED.
NOTHING YOU DON'T.

3-Second Settlement

XRP Ledger settles in 3–4 seconds. No T+1, no pending.

XORA Visa

Virtual Visa. Spend XRP anywhere Visa is accepted.

0% FX Fees

No conversion markups. Pay in 150+ currencies at the live rate.

Auto-Compound

Yield earned daily. Compounds automatically.

On-Chain Custody

Every balance verifiable on the XRP Ledger. Anytime.

Clean Statements

Yield breakdowns and transaction history. PDF or CSV.

XORA COIN

HOLD XORA.
UNLOCK MORE.

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

Metal Tier Cards

Black metal Visa, 2% cashback, lounge access. 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 · 0% FX fee
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
SECURITY

CUSTODY YOUR
CFO CAN
VERIFY.

01

OWN XRPL NODE

We run our own XRPL validator node. Direct ledger access, zero third-party reliance.

02

ON-CHAIN VERIFIABLE

Every deposit, withdrawal, and transfer traceable on the XRP Ledger.

03

INSURANCE FUND

5% of revenue reserved for depositor protection.

04

24/7 MONITORING

Automated circuit breakers and segregated custody. Multisig migration is on the roadmap.

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
FX Fees 0% 1 — 3% 0.5 — 2%
Custody On-chain Custodial Custodial
Settlement 3 seconds T+1 to T+3 Minutes
Debit Card Virtual Visa Physical Limited
FAQ

FREQUENTLY ASKED QUESTIONS

On-chain custody, verifiable on the XRP Ledger anytime. Segregated custodial wallet, 24/7 monitoring, and a 5% revenue insurance fund reserved for depositor protection. Multisig migration is on the roadmap.

Deposit XRP and start earning up to 22% APY (15% native XRP + 7% XORA rewards) from day one. No lock-up. Rewards compound daily.

10% performance fee on yield only. Zero deposit, withdrawal, FX, or monthly fees. 0.1% on swaps. Xora only earns when you earn.

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.

Virtual Visa that spends your XRP at the live rate with 0% FX. Apple Pay and Google Pay supported. Rolling out Q2 2026.

JOIN THE
WAITLIST

Early access. Priority onboarding.

EARLY ACCESS
𝕏 Twitter · Whitepaper