XORA Fees Explained: What You Pay to Deposit, Earn, and Withdraw XRP
XORA charges no deposit, withdrawal, monthly, inactivity, or minimum-balance fees. The only cost is the small XRPL network fee paid to the ledger, not to XORA.
XORA charges no deposit fee, no withdrawal fee, no monthly fee, no inactivity fee, and no minimum-balance fee. The only real cost is the XRP Ledger network fee — a fraction of a cent paid to the ledger itself, not to XORA. The APY value shown on your dashboard is the user-facing rate, with no separate management fee layered on top.
The $0-fees story
XORA does not charge to deposit XRP, to earn daily yield, or to withdraw back to an XRP Ledger wallet you control. There is no monthly account fee, no inactivity fee, and no minimum-balance requirement. Deposits map to your account through a destination tag, and there is no XORA charge for that routing.
The only real cost: the XRPL network fee
Every XRP Ledger transaction pays a tiny network fee that is burned by the ledger, typically a fraction of a cent (well under one cent in normal conditions). This fee is paid to the XRP Ledger itself, not to XORA, and XORA does not add a markup on top of it. The same network fee applies to any XRPL transaction regardless of platform.
How the displayed APY works
The APY value on your dashboard is the user-facing rate. The headline is up to 22% APY value, built from 15% native XRP yield plus an estimated 7% value from XORA token rewards. The 15% native portion is currently subsidised by the XORA treasury during bootstrap and is temporary; it will step down as TVL grows. The rate is variable and not guaranteed, but it is not reduced by a hidden management or performance fee.
What to watch on the planned card
The XORA Card is a roadmap product and is not live. Card-related costs such as conversion spread, FX fees, and network charges are common to crypto cards in general and remain to-be-determined for XORA until the card launches. Treat any card fee details as roadmap until card access appears in your account.
XORA fee table
| Action | XORA fee | Other cost | Paid to |
|---|---|---|---|
| Deposit XRP | $0 | XRPL network fee (fraction of a cent) | XRP Ledger |
| Earn daily yield | $0 | None | — |
| Withdraw / send XRP | $0 | XRPL network fee (fraction of a cent) | XRP Ledger |
| Monthly account fee | $0 | None | — |
| Inactivity fee | $0 | None | — |
| Minimum balance | None | None | — |
| XORA Card | Roadmap (not live) | TBD until launch | TBD |
Always include the destination tag with your XRP deposit. Without it the funds cannot be credited to your account automatically and recovery requires manual support intervention.
Checklist
- Confirm you are sending native XRP on the XRP Ledger with your XORA destination tag.
- Note that XORA charges no deposit fee — only the small XRPL network fee applies.
- Earn daily yield with no management, monthly, or inactivity fee deducted.
- Withdraw to any XRP Ledger wallet with no XORA withdrawal fee, just the network fee.
- Check the live APY value on your dashboard, which is the user-facing rate.
Frequently Asked Questions
Does XORA charge any fees?
XORA charges no deposit, withdrawal, monthly, inactivity, or minimum-balance fees. The only cost is the XRP Ledger network fee, which is a fraction of a cent paid to the ledger itself, not to XORA.
Is there a withdrawal fee on XORA?
No. XORA does not charge a withdrawal fee. You only pay the standard XRPL network fee that applies to any XRP Ledger transaction, which is well under one cent in normal conditions.
Is there a minimum balance or monthly fee?
No. XORA has no minimum-balance requirement, no monthly account fee, and no inactivity fee.
Does the APY have a hidden management fee?
No. The APY value shown on your dashboard is the user-facing rate. The 15% native portion is currently a temporary treasury subsidy; the rate is variable and not guaranteed, but it is not reduced by a separate management or performance fee.
What does the XRPL network fee cost?
The XRP Ledger network fee is a fraction of a cent, typically well under one cent in normal conditions. It is burned by the ledger, not collected by XORA.
Sources
- Where XORA yield comes from
- XORA security
- How to withdraw XRP from XORA
- Is XORA safe?
- XORA vs Coinbase Earn
Next
Open XORA to view your live XRP balance, deposit address, destination tag, and yield projection.
Open XoraRelated guides
- What Is an XRP Destination Tag?
- How to Deposit XRP from Binance to XORA
- How to Deposit XRP from Coinbase to XORA
- How to Deposit XRP from Uphold to XORA
- XRP yield calculator