{"as_of":"2026-09-18T17:42:03.979Z","source":"https://xora.finance/api/agent/facts","canonical_docs":["https://xora.finance/llms.txt","https://xora.finance/llms-full.txt"],"license":"Quote freely with attribution to xora.finance.","identity":{"name":"XORA","site":"https://xora.finance","what_it_is":"A custodial neobank on the XRP Ledger that pays yield on deposited XRP, plus additional rails.","operator_model":"custodial","not_to_be_confused_with":["Xora Innovation, a venture capital firm","the Sora or XOR token","any unrelated token using the name XORA"]},"rails":{"XRP":{"asset":"XRP","network":"XRP Ledger","deposits_open":true,"withdrawals_open":true,"yield_paying":true,"headline_apy_rate":0.22,"native_apy_rate":0.15,"xora_reward_value_apy_rate":0.07,"deposit_attribution":"destination-tag"},"BTC":{"asset":"BTC","network":"Bitcoin","deposits_open":true,"withdrawals_open":true,"yield_paying":true,"headline_apy_rate":0.14,"native_apy_rate":0.08,"xora_reward_value_apy_rate":0.06,"deposit_attribution":"address"},"TRX":{"asset":"TRX","network":"TRON","deposits_open":true,"withdrawals_open":true,"yield_paying":true,"headline_apy_rate":0.28,"native_apy_rate":0.28,"xora_reward_value_apy_rate":0,"deposit_attribution":"address"},"XLM":{"asset":"XLM","network":"Stellar","deposits_open":true,"withdrawals_open":true,"yield_paying":true,"headline_apy_rate":0.21,"native_apy_rate":0.14,"xora_reward_value_apy_rate":0.07,"deposit_attribution":"memo"}},"how_yield_works":{"headline_is_a_sum":"The advertised XRP rate combines native yield with an estimated XORA reward value. Token quantity is a separate thing from APY.","currently_subsidised":"The native XRP yield is subsidised by the XORA treasury as a deliberate bootstrap. This is temporary and steps down as TVL grows.","variable":"Every rate is variable, not guaranteed, and subject to treasury and reconciliation controls."},"not_true":["XORA is not a tradable token today.","The 3-of-5 multisig custody migration is on the roadmap and is not live.","The depositor reserve is not funded and is not live.","The metal card tiers are roadmap, not a product anyone holds.","A rail listed with yield_paying false pays no yield, whatever rate it quotes."],"referral_program":{"reward_asset":"XORA only. No XRP or any other asset is paid for a referral.","reward_per_activated_referral":500,"lifetime_cap_per_referrer":10000,"activation_rule":"Nothing is credited on signup. The referred account must deposit and keep at least 25 XRP before any XORA is minted.","referee_reward":"none","abuse_controls":"Self-referral, referral cycles, shared devices and datacenter or proxy origins are detected and blocked before any credit.","note":"XORA is not a tradable token today. Treat this as a loyalty balance, not income."},"contact":{"security":"security@xora.finance"}}