THE XRP NEOBANK

Xora uses on-chain custody so every XRP balance is verifiable directly on the XRP Ledger at any time. All deposits are held in a 3-of-5 multisig wallet backed by hardware security modules, which means no single party can move funds unilaterally. We operate our own XRPL validator node for direct ledger access with zero third-party reliance on transaction verification. An insurance fund receives 5% of protocol revenue and is reserved exclusively for depositor protection in adverse scenarios. Automated circuit breakers monitor all wallet activity around the clock and can freeze outflows instantly if anomalous patterns are detected. Real-time 24/7 monitoring tracks every transaction, and our security team receives alerts within seconds of any unusual withdrawal or transfer activity across the platform.

When you deposit XRP into Xora, your funds begin earning yield immediately through network staking rewards that are distributed daily to your account. There is no lock-up period, so you can withdraw at any time without penalties. The APY is tiered based on your balance: accounts holding up to 1,000 XRP earn the maximum rate of 22% APY, which includes 15% paid in native XRP and an additional 7% in XORA token farming rewards. Larger balances receive 19%, 17%, or 15% APY at higher tiers. Earnings are auto-compounded, meaning your daily rewards are automatically added to your principal so you earn yield on your yield. You can track your accumulated earnings in real time on the Xora dashboard, with a full breakdown of XRP staking rewards and XORA bonus tokens.

Xora charges a 10% performance fee on yield earnings only, meaning you are never charged for simply holding or moving your XRP. There are zero deposit fees from any exchange or wallet, zero withdrawal fees, and zero foreign exchange fees when spending with the Xora Card. Token swaps on the platform carry a flat 0.1% swap fee, which is significantly lower than most centralized exchanges. There are no monthly account fees, no minimum balance requirements, and no hidden charges. All XRPL network gas costs for transactions initiated through Xora are absorbed by the protocol, so you never pay ledger transaction fees out of pocket. The fee structure is designed to align incentives: Xora only earns when you earn, keeping the platform focused on maximizing your returns.

You can withdraw your XRP at any time with absolutely no cooldown periods, unstaking delays, or early withdrawal penalties. When you initiate a withdrawal from the Xora dashboard, your XRP is sent directly to the destination address you specify on the XRP Ledger. Settlement typically completes in under 5 seconds thanks to the speed of the XRPL network, which processes transactions in 3 to 4 seconds on average. There is no minimum withdrawal amount beyond the standard XRPL reserve requirement. Your yield earnings continue to accrue up until the moment of withdrawal, so you never forfeit accumulated rewards. Whether you withdraw a portion of your balance or the entire amount, the process is instant and fully automated with no manual approval required from the Xora team.

The Xora Card is a virtual Visa debit card that lets you spend your XRP balance anywhere Visa is accepted worldwide. When you make a purchase, Xora automatically converts exactly the amount of XRP needed into the local fiat currency at the live market rate with 0% foreign exchange fees. There are no annual fees, no transaction fees, and no currency conversion markups. You can manage your card directly from the Xora dashboard, including freezing and unfreezing it instantly, viewing spending limits, and checking detailed transaction history. The card is issued digitally and can be added to Apple Pay and Google Pay for contactless payments. Daily and monthly spending limits are configurable, and the card is rolling out in Q2 2026 as part of the Xora banking expansion alongside the mobile app for iOS and Android.