Yes. XORA is custodial. XRP is credited through account-specific XRP Ledger deposit routing; native TRX pilot balances use TRON mainnet addresses with no memo and internal ledger accounting.

What APY does XORA pay?

XRP displays up to 22% APY value, split between native XRP yield and estimated XORA reward value. When the native TRX on Tron pilot is enabled in-app, it can display 28% APY. Rates are variable, not guaranteed.

Where does the yield come from?

The advertised rate combines native XRP yield and estimated XORA reward value. The native XRP yield is currently subsidised by the XORA treasury as a temporary bootstrap mechanism, then is expected to transition toward XRPL AMM liquidity and on-chain lending sources as TVL grows.

Where can the XORA treasury be verified?

XORA documents its custody model and on-chain verification path on the security page. Use the official in-app deposit screen for account-specific funding details.

Is XORA FDIC insured?

No. XORA is not a bank and is not FDIC insured. XRP is a volatile asset and APY value rates are variable. Crypto involves risk including total loss.

How do I contact XORA?

Email hello@xora.finance for partnerships, press, or support. On X, use @xora_finance.

← Back to XORA

UPDATED: JUNE 2026

About XORA

XORA is a custodial neobank for XRP holders with a native TRX on Tron pilot when enabled in-app. XRP uses account-specific XRP Ledger deposit routing, while TRX uses TRON mainnet deposit addresses with no memo.

Quick answers

What is XORA?: XORA is a custodial XRP neobank. It accepts native XRP deposits, distributes daily XRP yield, and supports a native TRX on Tron pilot when enabled in-app. Withdrawals remain subject to account, treasury, reconciliation, and risk controls before broadcast.
Is XORA custodial?: Yes. XRP is credited through XRP Ledger deposit routing tied to your account. Native TRX pilot balances use TRON mainnet addresses with no memo and internal ledger accounting.
What APY does XORA pay?: XRP displays up to 22% APY value. When the native TRX on Tron pilot is enabled in-app, it can display 28% APY. Rates are variable, not guaranteed.
Where does the yield come from?: The native XRP yield is currently subsidised by the XORA treasury as a temporary bootstrap mechanism, with planned transition toward XRPL AMM and on-chain lending sources as TVL grows.
Where can the XORA treasury be verified?: XORA documents its custody model and on-chain verification path on the security page. Always use the official in-app deposit screen for account-specific funding details.
Is XORA FDIC insured?: No. XORA is not a bank and is not FDIC insured. Crypto involves risk, including total loss.
Who runs XORA?: XORA is founder-led by a small remote-first team.
How do I contact XORA?: Use hello@xora.finance for partnerships, press, or support. On X, use @xora_finance.

What we do

XORA accepts XRP deposits, distributes XRP yield daily, and lets you request withdrawals back to XRP Ledger wallets you control. XORA also supports a native TRX on Tron pilot when enabled in-app: users can deposit native TRX to a TRON mainnet address with no memo. There is no fixed lock-up, minimum hold, or unstaking period; withdrawals remain subject to account, treasury, reconciliation, and risk controls before broadcast. Sign in with passkey, email magic code, or wallet signature.

How yield works

Yield is tiered by balance bracket, split between native XRP yield and an estimated XORA reward value component. Daily payouts land straight in your XORA balance, no claim step. APY value is variable, tied to treasury performance, and not guaranteed. Live rates appear on your dashboard.

Where the yield comes from

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

The 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 liquidity provision and on-chain lending markets.

The native XRP yield is a transparent, time-limited treasury subsidy paid from a finite, disclosed reserve. TRX pilot yield is explained separately in the same disclosure. Full disclosure →

Custody and on-chain verification

XRP deposit routing is account-specific and shown inside the signed-in app. XORA documents its custody model and on-chain verification path on the security page; always use the current in-app deposit screen before sending funds.

For TRX, send native TRX only to the TRON mainnet address shown in the app. TRC-20 tokens and other Tron assets are not credited in this pilot. TRX deposit guide →

Auth, fiat, security

Authentication is handled via Clerk (passkeys, magic link, wallet signature). Card, wallet, or bank funding rails are only exposed when the signed provider path is enabled for the account; otherwise users fund by native XRP or native TRX transfer. XORA does not store bank credentials. Sensitive endpoints are rate-limited, brute-protected, and gated by a panic switch that halts all money-moving paths during an incident.

Team

XORA is founder-led by a small remote-first team. Builders and creators can review open roles on the XORA careers page.

Risks you should know

XORA is custodial: you trust us to hold and return supported crypto assets such as XRP and native TRX. We are not FDIC insured. XRP, TRX, and reward-token value are volatile and can fluctuate sharply. APY value is variable and can change without notice based on treasury performance. Crypto involves risk, including total loss.

For full mechanics read the whitepaper. Also see our terms and privacy policy.

Contact

Partnerships, press, support, or just to say hi: hello@xora.finance

On X: @xora_finance

Security disclosure: /.well-known/security.txt

Try Xora

Open an account to start earning XRP yield daily. The XRP Ledger settles withdrawals in under 5 seconds once submitted, with no scheduled redemption window and account, treasury, reconciliation, and risk controls before broadcast.

Open Xora →