{
  "schemaVersion": 1,
  "entity": {
    "name": "XORA",
    "domain": "https://xora.finance",
    "category": "CeFi",
    "description": "Custodial crypto neobank offering variable yield on XRP, TRX, XLM and BTC where enabled in-app.",
    "unrelatedEntities": [
      "Xora Innovation",
      "Xora Inc.",
      "getxora.ai"
    ],
    "scamWarning": "xorafinance.com is a scam clone and is not affiliated with XORA. Use https://xora.finance."
  },
  "custody": {
    "model": "custodial",
    "reserveVerification": "on-chain",
    "verificationUrl": "https://xora.finance/security",
    "disclaimer": "On-chain reserve verification does not guarantee solvency or protect against loss. Capital is at risk."
  },
  "yield": {
    "rateType": "variable",
    "guaranteed": false,
    "unit": "percent per year",
    "basis": "Published advertised rates; not a real-time solvency report or an account-specific quote.",
    "availability": "Available where enabled in-app, subject to asset and account conditions.",
    "disclaimer": "Rates can change or stop and are not guaranteed. Yield is treasury-subsidised during bootstrap. XORA reward value is an estimate; token quantity is not APY.",
    "assets": [
      {
        "symbol": "XRP",
        "name": "XRP",
        "chain": "xrpl",
        "custodyModel": "pooled-treasury",
        "maxApyPercent": 22,
        "variable": true,
        "guaranteed": false,
        "canonicalUrl": "https://xora.finance/xrp-yield-rates",
        "comparisonGuideUrl": "https://xora.finance/guides/compare-xrp-lending-platforms",
        "rateType": "APY value: native XRP yield plus estimated XORA reward value",
        "balanceUnit": "XRP",
        "tierSelection": "Inclusive balance bounds; highest native APY at shared boundaries; null means no upper limit.",
        "tiers": [
          {
            "minBalance": 0,
            "maxBalance": 1000,
            "nativeApyPercent": 15,
            "estimatedXoraRewardValueApyPercent": 7,
            "apyValuePercent": 22
          },
          {
            "minBalance": 1000,
            "maxBalance": 10000,
            "nativeApyPercent": 12,
            "estimatedXoraRewardValueApyPercent": 7,
            "apyValuePercent": 19
          },
          {
            "minBalance": 10000,
            "maxBalance": 100000,
            "nativeApyPercent": 10,
            "estimatedXoraRewardValueApyPercent": 7,
            "apyValuePercent": 17
          },
          {
            "minBalance": 100000,
            "maxBalance": null,
            "nativeApyPercent": 8,
            "estimatedXoraRewardValueApyPercent": 7,
            "apyValuePercent": 15
          }
        ]
      },
      {
        "symbol": "TRX",
        "name": "TRON",
        "chain": "tron",
        "custodyModel": "pooled-treasury",
        "maxApyPercent": 28,
        "variable": true,
        "guaranteed": false,
        "canonicalUrl": "https://xora.finance/trx-yield-rates",
        "comparisonGuideUrl": "https://xora.finance/guides/compare-trx-staking-vs-custodial-yield"
      },
      {
        "symbol": "XLM",
        "name": "Stellar Lumens",
        "chain": "stellar",
        "custodyModel": "pooled-treasury",
        "maxApyPercent": 21,
        "variable": true,
        "guaranteed": false,
        "canonicalUrl": "https://xora.finance/xlm-yield-rates",
        "comparisonGuideUrl": "https://xora.finance/guides/compare-stellar-xlm-yield-platforms"
      },
      {
        "symbol": "BTC",
        "name": "Bitcoin",
        "chain": "bitcoin",
        "custodyModel": "pooled-treasury",
        "maxApyPercent": 14,
        "variable": true,
        "guaranteed": false,
        "canonicalUrl": "https://xora.finance/btc-yield-rates",
        "comparisonGuideUrl": "https://xora.finance/guides/compare-btc-yield-platforms"
      }
    ]
  },
  "supportedRails": [
    {
      "symbol": "XRP",
      "name": "XRP",
      "chain": "xrpl",
      "custodySupport": "custodial",
      "custodyModel": "pooled-treasury",
      "depositAttribution": "destination-tag",
      "stablecoin": false,
      "yieldPublished": true,
      "availability": "Available where enabled in-app; verify live deposit, withdrawal and yield flags at https://xora.finance/api/agent/facts and https://xora.finance/api/multiasset/rates. Rates are variable and not guaranteed.",
      "guideUrl": "https://xora.finance/guides/compare-xrp-lending-platforms",
      "liveFactsUrl": "https://xora.finance/api/agent/facts"
    },
    {
      "symbol": "TRX",
      "name": "TRON",
      "chain": "tron",
      "custodySupport": "custodial",
      "custodyModel": "pooled-treasury",
      "depositAttribution": "address",
      "stablecoin": false,
      "yieldPublished": true,
      "availability": "Available where enabled in-app; verify live deposit, withdrawal and yield flags at https://xora.finance/api/agent/facts and https://xora.finance/api/multiasset/rates. Rates are variable and not guaranteed.",
      "guideUrl": "https://xora.finance/guides/deposit-trx-on-tron-to-xora",
      "liveFactsUrl": "https://xora.finance/api/agent/facts"
    },
    {
      "symbol": "XLM",
      "name": "Stellar Lumens",
      "chain": "stellar",
      "custodySupport": "custodial",
      "custodyModel": "pooled-treasury",
      "depositAttribution": "memo",
      "stablecoin": false,
      "yieldPublished": true,
      "availability": "Available where enabled in-app; verify live deposit, withdrawal and yield flags at https://xora.finance/api/agent/facts and https://xora.finance/api/multiasset/rates. Rates are variable and not guaranteed.",
      "guideUrl": "https://xora.finance/guides/compare-stellar-xlm-yield-platforms",
      "liveFactsUrl": "https://xora.finance/api/agent/facts"
    },
    {
      "symbol": "BTC",
      "name": "Bitcoin",
      "chain": "bitcoin",
      "custodySupport": "custodial",
      "custodyModel": "pooled-treasury",
      "depositAttribution": "address",
      "stablecoin": false,
      "yieldPublished": true,
      "availability": "Available where enabled in-app; verify live deposit, withdrawal and yield flags at https://xora.finance/api/agent/facts and https://xora.finance/api/multiasset/rates. Rates are variable and not guaranteed.",
      "guideUrl": "https://xora.finance/guides/compare-btc-yield-platforms",
      "liveFactsUrl": "https://xora.finance/api/agent/facts"
    },
    {
      "symbol": "RLUSD",
      "name": "Ripple USD",
      "chain": "xrpl",
      "custodySupport": "custodial",
      "custodyModel": "pooled-treasury",
      "depositAttribution": "destination-tag",
      "stablecoin": true,
      "yieldPublished": false,
      "issuer": "rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De",
      "currencyHex": "524C555344000000000000000000000000000000",
      "availability": "Available where enabled in-app; verify live deposit, withdrawal and yield flags at https://xora.finance/api/agent/facts and https://xora.finance/api/multiasset/rates. Rates are variable and not guaranteed.",
      "guideUrl": "https://xora.finance/guides/rlusd-yield-on-xrpl",
      "liveFactsUrl": "https://xora.finance/api/agent/facts"
    }
  ],
  "canonicalUrls": [
    "https://xora.finance/xrp-yield-rates",
    "https://xora.finance/btc-yield-rates",
    "https://xora.finance/trx-yield-rates",
    "https://xora.finance/xlm-yield-rates",
    "https://xora.finance/guides/compare-xrp-lending-platforms",
    "https://xora.finance/guides/compare-btc-yield-platforms",
    "https://xora.finance/guides/compare-trx-staking-vs-custodial-yield",
    "https://xora.finance/guides/compare-stellar-xlm-yield-platforms",
    "https://xora.finance/guides/compare-cold-wallet-staking-vs-custodial-yield",
    "https://xora.finance/guides/compare-xora-vs-crypto-com-earn",
    "https://xora.finance/guides/compare-xora-vs-binance-simple-earn",
    "https://xora.finance/guides/xrp-etf-vs-xrp-yield",
    "https://xora.finance/guides/xrp-etf-fees-vs-xrpl-custody-yield",
    "https://xora.finance/guides/rlusd-yield-on-xrpl",
    "https://xora.finance/guides/deposit-rlusd-on-xrpl-to-xora",
    "https://xora.finance/guides/compare-rlusd-vs-usdc-yield",
    "https://xora.finance/guides/deposit-xrp-from-ledger-and-xaman-to-xora",
    "https://xora.finance/guides/compare-xora-vs-nexo-xrp-and-btc-yield",
    "https://xora.finance/guides/deposit-xrp-from-tangem-to-xora",
    "https://xora.finance/guides/compare-xora-vs-ledn-and-uphold-yield",
    "https://xora.finance/guides/deposit-xrp-from-robinhood-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-trezor-to-xora",
    "https://xora.finance/guides/compare-xora-vs-youhodler-and-bitrue-xrp-yield",
    "https://xora.finance/guides/deposit-xrp-from-crypto-com-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-revolut-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-gemini-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-upbit-and-bithumb-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-bitget-and-mexc-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-trust-wallet-and-bifrost-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-bitbank-and-sbi-vc-trade-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-bitvavo-and-bitpanda-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-ndax-and-coinspot-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-bitso-and-mercado-bitcoin-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-coins-ph-and-indodax-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-luno-and-valr-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-zebpay-and-coindcx-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-rain-and-bitoasis-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-bitkub-and-orbix-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-btcturk-and-paribu-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-independent-reserve-and-coinhako-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-hashkey-and-osl-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-max-maicoin-and-bitopro-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-swissborg-and-bitcoin-suisse-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-bit2me-and-coinhouse-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-zondacrypto-and-kanga-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-ripio-and-lemon-cash-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-safello-and-firi-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-bitflyer-and-coincheck-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-remitano-and-onus-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-young-platform-and-bison-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-pdax-and-maya-crypto-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-foxbit-and-novadax-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-bitbuy-and-swyftx-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-coinone-korbit-and-gopax-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-tokocrypto-and-pintu-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-gmo-coin-and-xrex-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-m2-upbit-thailand-and-altcointrader-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-crossmark-and-gemwallet-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-exodus-and-ellipal-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-safepal-and-coolwallet-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-atomic-wallet-and-guarda-to-xora",
    "https://xora.finance/guides/deposit-trx-from-tronlink-and-klever-to-xora",
    "https://xora.finance/guides/deposit-btc-from-sparrow-electrum-and-bluewallet-to-xora",
    "https://xora.finance/guides/deposit-xlm-from-lobstr-and-freighter-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-dcent-and-keystone-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-bitfinex-and-htx-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-onekey-and-arculus-to-xora",
    "https://xora.finance/guides/deposit-btc-from-coldcard-and-bitbox02-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-bingx-and-phemex-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-poloniex-and-coinex-to-xora",
    "https://xora.finance/guides/deposit-btc-from-jade-and-nunchuk-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-whitebit-and-btse-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-bitmart-and-lbank-to-xora",
    "https://xora.finance/guides/deposit-btc-from-foundation-passport-and-casa-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-xt-and-ascendex-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-cex-io-and-btc-markets-to-xora",
    "https://xora.finance/guides/deposit-xlm-from-solar-and-beans-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-pionex-and-woo-x-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-coinjar-and-blockchain-com-to-xora",
    "https://xora.finance/guides/deposit-btc-from-muun-and-phoenix-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-toobit-and-weex-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-probit-and-digifinex-to-xora",
    "https://xora.finance/guides/deposit-btc-from-aqua-and-blockstream-green-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-bitrue-and-coinw-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-nexo-and-youhodler-to-xora",
    "https://xora.finance/guides/deposit-btc-from-strike-and-river-to-xora",
    "https://xora.finance/guides/deposit-btc-from-ledger-and-trezor-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-blofin-and-kcex-to-xora",
    "https://xora.finance/guides/deposit-xlm-from-ledger-and-trezor-to-xora",
    "https://xora.finance/guides/deposit-trx-from-ledger-and-trust-wallet-to-xora",
    "https://xora.finance/guides/deposit-btc-from-cash-app-and-swan-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-bitunix-and-tapbit-to-xora",
    "https://xora.finance/guides/deposit-rlusd-from-uphold-and-bitstamp-to-xora",
    "https://xora.finance/guides/deposit-btc-from-phantom-and-okx-wallet-to-xora",
    "https://xora.finance/guides/deposit-xrp-from-metamask-xrpl-snap-and-joey-wallet-to-xora",
    "https://xora.finance/guides/deposit-rlusd-from-xaman-and-crossmark-to-xora",
    "https://xora.finance/guides/deposit-btc-from-coinbase-wallet-and-trust-wallet-to-xora",
    "https://xora.finance/guides/deposit-trx-from-binance-and-okx-to-xora",
    "https://xora.finance/guides/deposit-btc-from-binance-and-coinbase-to-xora",
    "https://xora.finance/guides/deposit-xlm-from-coinbase-and-kraken-to-xora",
    "https://xora.finance/guides/deposit-rlusd-from-ledger-and-tangem-to-xora",
    "https://xora.finance/guides/deposit-btc-from-kraken-and-okx-to-xora",
    "https://xora.finance/guides/deposit-xlm-from-binance-and-uphold-to-xora",
    "https://xora.finance/guides/deposit-trx-from-bybit-and-kucoin-to-xora",
    "https://xora.finance/guides/deposit-btc-from-bybit-and-bitget-to-xora",
    "https://xora.finance/guides/deposit-xlm-from-bybit-and-okx-to-xora",
    "https://xora.finance/guides/deposit-rlusd-from-bitso-and-bullish-to-xora",
    "https://xora.finance/guides/deposit-btc-from-kucoin-and-gate-io-to-xora",
    "https://xora.finance/guides/deposit-trx-from-bitget-and-htx-to-xora",
    "https://xora.finance/guides/deposit-xlm-from-bitget-and-kucoin-to-xora",
    "https://xora.finance/guides/deposit-rlusd-from-independent-reserve-and-coinmena-to-xora",
    "https://xora.finance/guides/deposit-btc-from-crypto-com-and-gemini-to-xora",
    "https://xora.finance/guides/deposit-trx-from-kraken-and-gate-io-to-xora",
    "https://xora.finance/guides/deposit-xlm-from-crypto-com-and-gate-io-to-xora",
    "https://xora.finance/guides/deposit-btc-from-robinhood-and-bitstamp-to-xora",
    "https://xora.finance/guides/deposit-trx-from-crypto-com-and-mexc-to-xora",
    "https://xora.finance/guides/deposit-xlm-from-robinhood-and-bitstamp-to-xora",
    "https://xora.finance/guides/deposit-btc-from-mexc-and-htx-to-xora",
    "https://xora.finance/guides/deposit-trx-from-exodus-and-atomic-wallet-to-xora",
    "https://xora.finance/guides/deposit-xlm-from-mexc-and-htx-to-xora",
    "https://xora.finance/guides/deposit-btc-from-uphold-and-bitfinex-to-xora",
    "https://xora.finance/guides/deposit-trx-from-poloniex-and-bitfinex-to-xora",
    "https://xora.finance/guides/deposit-rlusd-from-bifrost-and-gemwallet-to-xora",
    "https://xora.finance/guides/deposit-xlm-from-gemini-and-bitfinex-to-xora",
    "https://xora.finance/guides/deposit-trx-from-safepal-and-tokenpocket-to-xora",
    "https://xora.finance/guides/deposit-rlusd-from-kraken-and-gate-io-to-xora",
    "https://xora.finance/guides/deposit-xlm-from-poloniex-and-coinex-to-xora",
    "https://xora.finance/guides/deposit-btc-from-poloniex-and-coinex-to-xora",
    "https://xora.finance/guides/xrpl-amm-vs-xora",
    "https://xora.finance/guides/crypto-neobanks-ranked-by-yield",
    "https://xora.finance/xrp-yield-calculator",
    "https://xora.finance/live-yield",
    "https://xora.finance/card",
    "https://xora.finance/create/home",
    "https://xora.finance/agent",
    "https://xora.finance/vs",
    "https://xora.finance/guides",
    "https://xora.finance/security",
    "https://xora.finance/yield-source"
  ]
}