Updated 2026-06-24 · 5 min read · Guide

How to get XRP and earn yield on it

By XORA · Published 2026-06-24 · Updated 2026-06-24

If you don’t already hold XRP, getting started is two steps: buy XRP on an exchange, then send it to your XORA account to start earning. Here is the whole path, including the one detail that trips people up.

Short answer

Buy XRP on a regulated exchange (Coinbase, Kraken, Uphold, Bitstamp, or Binance), then withdraw it to your XORA deposit address — pasting your unique destination tag into the exchange’s tag/memo field. It settles on the XRP Ledger in seconds and starts earning. There is no minimum, so you can start small. Yield is variable, not guaranteed, and the 15% native rate is currently a temporary, openly disclosed treasury subsidy.

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Step 1 — Buy XRP on an exchange

XRP is listed on most major regulated exchanges. Create an account, complete verification, and buy XRP with a card or a bank transfer. You can start with a small amount — there is no need to buy a lot to try earning. Common options include Coinbase, Kraken, Uphold, Bitstamp, and Binance. Compare the all-in cost (trading fee plus spread plus the XRP withdrawal fee) before you buy.

Step 2 — Get your XORA address and destination tag

Open your XORA account and go to the deposit screen. You will see your XRP Ledger deposit address and a destination tag — a short number that maps the deposit to your account on the shared treasury. Copy both. The tag is the part people miss, and it matters: see what an XRP destination tag is.

Step 3 — Withdraw XRP from the exchange to XORA

On the exchange, choose to withdraw or send XRP. Paste your XORA address into the address field and your destination tag into the tag or memo field (most exchanges show a dedicated “Destination Tag” box right next to the address). Send a small test amount first if it is your first time. We have step-by-step guides for the most common exchanges:

⚠ Always include the destination tag

XRP sent to a shared custodial address without its destination tag cannot be auto-credited and recovery needs manual support. Paste the tag into the exchange’s tag/memo field every time — it is the only extra step.

Step 4 — Start earning

The deposit settles on the XRP Ledger in about 3 to 5 seconds and is credited to your XORA balance, which begins accruing toward the daily yield distribution. XORA advertises up to 22% APY value: a 15% native XRP yield that is currently a temporary, openly disclosed treasury subsidy plus an estimated XORA reward-token value. It is variable, not a guaranteed return, and XORA is custodial and not insured. See where the yield comes from and is XORA safe?

Frequently Asked Questions

Can I earn on XRP without already owning it?

Not directly — you first need XRP. Buy it on a regulated exchange, withdraw it to your XORA deposit address with the destination tag, and it then begins earning. You can start with a small amount; there is no minimum deposit.

Where is the cheapest place to buy XRP?

Fees vary by exchange and region. Large regulated venues like Kraken, Coinbase, Bitstamp, and Binance typically offer tight XRP spreads; compare the all-in cost (trading fee plus spread plus the withdrawal fee) before buying. Withdrawing XRP off the exchange is usually a small flat XRP fee.

How do I move XRP from an exchange to XORA?

Open your XORA account to get your XRP Ledger address and your unique destination tag. On the exchange, withdraw XRP to that address and paste the destination tag into the tag/memo field. XRP sent without its destination tag cannot be auto-credited, so always include it.

Is there a minimum amount of XRP to start earning?

No. XORA has no minimum deposit, so you can start with a small test amount, confirm it lands, and add more with confidence. Yield is variable, not guaranteed, and the 15% native XRP rate is currently a temporary, openly disclosed treasury subsidy.

How long until my XRP starts earning?

Once you withdraw from the exchange, XRP settles on the XRP Ledger in about 3 to 5 seconds. XORA credits the deposit and it begins accruing toward the daily yield distribution. Exchange withdrawals themselves can take a few minutes depending on the exchange.

Sources

Open XORA to get your deposit address and destination tag, then send the XRP you just bought.

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