About XORA
XORA is a custodial neobank for XRP holders. We hold XRP on your behalf in a single XRP Ledger treasury and pay out daily yield directly to your account balance.
What we do
XORA accepts XRP deposits, distributes XRP yield daily, and lets you withdraw back to any XRP Ledger wallet you control. No lock-ups, no minimums, no unstaking periods. Sign in with passkey, email magic code, or wallet signature.
How yield works
Up to 22% APY at the entry tier, split between 15% paid in XRP and 7% paid in XORA rewards. Rates are tiered by balance bracket: 22% / 19% / 17% / 15%. Daily payouts land straight in your XORA balance, no claim step. APY is variable and tied to treasury performance, not guaranteed.
Custody and on-chain verification
All user XRP is pooled in a single shared treasury wallet on the XRP Ledger. Each user deposit is routed via a unique destination tag that maps it to that user's account. Treasury balance and inflows are publicly verifiable on-chain:
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Auth, fiat, security
Authentication is handled via Clerk (passkeys, magic link, wallet signature). Fiat ramps route through Plaid for bank linking and Dwolla for ACH transfers. 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 was founded and is run by Joren. The team is small and remote-first.
Risks you should know
XORA is custodial: you trust us to hold and return your XRP. We are not FDIC insured. XRP is a volatile asset and its value can fluctuate sharply. APY 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: joren@xora.finance
On X: @joren
Security disclosure: /.well-known/security.txt