EARN UP TO 22% ON XRP

XORA uses a custodial XRPL-native account architecture with public on-chain reserve signals and internal ledger reconciliation. The platform combines layered operational controls, including a restricted signer surface, anomaly-pattern monitoring, automated circuit breakers, daily reconciliations, and a planned depositor-reserve buffer to be funded from future protocol revenue. The reserve is not funded or live today; once capitalized it would be a finite buffer designed to absorb a range of adverse scenarios up to its standing balance, not a guarantee. Migration toward enhanced signing controls, additional independent custody attestations, and expanded third-party security reviews are on the roadmap and will be published incrementally as each component reaches production. XORA is not a chartered bank and the depositor reserve is not government deposit insurance. Full custody detail →

Once XRP is deposited to your unique XRPL destination tag, your balance enters the active yield-bearing pool and begins accruing across both components of XORA's two-part APY value (the native XRP yield leg and the estimated XORA reward-value leg) without a separate opt-in. Yield distribution runs on a deterministic daily cadence; balance is re-tiered automatically as deposits or withdrawals move you across the published APY brackets, and accruals compound on the new principal each cycle. There is no fixed lock-up, no staking transaction to sign, and no qualifying minimum deposit.

The advertised rate combines two streams: native XRP yield (15%) plus the estimated USD value of XORA reward tokens. XORA token quantity issued is separate from APY.

The 15% native XRP yield is currently subsidised by the XORA treasury. This is a deliberate, openly-disclosed bootstrap mechanism to attract initial depositors and prove the product. It is temporary and will step down as TVL grows, transitioning to real on-chain yield sources: XRPL AMM (automated market maker) liquidity provision and on-chain lending markets.

The 15% yield is a transparent, time-limited treasury subsidy paid from a finite, disclosed reserve. See exactly how it works →

Built for XRP holders who want daily yield, no fixed lock-up, transparent treasury operations, daily reconciliations, automatic withdrawal circuit breakers, and a public bug bounty. Full disclosure →

XORA's fee model is intentionally narrow at the account layer: there are no deposit fees, no withdrawal fees, no monthly maintenance charges, no inactivity charges, and no minimum-balance penalties. The displayed APY value is the user-facing rate; XORA does not add a separate performance fee on top of that displayed rate. Optional in-app routing (such as XRP↔stablecoin swaps when available) may carry a disclosed spread plus the network fee on the destination chain. Fee schedules associated with the planned XORA Card (interchange share, FX margin, ATM access fees, and any tier-gated perks) remain roadmap items and will be disclosed in full prior to card issuance. Network-level XRPL transaction fees (currently fractions of a cent) are not set by XORA and are paid in XRP at submission time.

Withdrawals are available on demand for the withdrawable portion of your balance, with no cooldown, no scheduled redemption window, and no penalty. XRP settlement occurs natively on the XRP Ledger and typically finalizes within three to five seconds. Yield continues to accrue against your balance right up to the moment a withdrawal is broadcast. Partial withdrawals automatically re-tier the remaining principal on the next yield cycle. Temporary restrictions can apply for grant-style credits, account reviews, treasury controls, or reconciliation checks; in those cases the app can hold or reject an outflow instead of broadcasting it.

The XORA Card is a planned account-linked spending instrument designed to bridge the XRP balance held inside your XORA account to everyday point-of-sale and online merchant rails, with conversion handled at the moment of authorization rather than requiring a prior off-ramp. Issuance partner, supported card network(s), eligible geographies, KYC and residency requirements, virtual-versus-physical form factors, tier-gated perks, and any holder-side prerequisites tied to XORA balance thresholds remain in active development and are not yet finalized. The product will launch in waves once partner integrations clear, with priority surfaced through the existing roadmap-updates list. Until card access appears in your dashboard, no payment credential exists. Any third-party page claiming to offer XORA Card sign-ups or pre-orders is not affiliated with XORA.