Earn up to 15% APY on your XRP holdings. Xora combines institutional-grade yield strategies with a premium banking experience — built natively on the XRP Ledger.
Not just a wallet. A complete financial operating system built exclusively for the XRP ecosystem.
Start earning the moment you deposit. No lock-ups, no minimum balance. Your XRP works for you 24/7 across optimized yield strategies.
Your keys, your crypto. Xora never holds your private keys. All yield strategies execute through audited smart contracts on XRPL.
Spend your XRP anywhere with the Xora virtual debit card. Auto-convert to fiat at point of sale. Earn yield on unspent balance.
Send XRP globally in 3 seconds. Xora leverages XRPL's native settlement for instant, borderless transfers with zero intermediaries.
Automated yield optimization across multiple strategies. Choose your risk tier — from conservative XRPL staking to advanced DeFi strategies.
Live portfolio tracking, yield notifications, and market alerts. See your earnings compound in real-time with our premium dashboard.
A premium banking interface designed for the future. Track, earn, and spend — all from one place.
Link your XRPL wallet in one click. Xumm, Ledger, or any XRPL-compatible wallet. No seed phrases shared — ever.
Send XRP to your Xora vault. Choose your risk tier — from safe staking to aggressive delta-neutral strategies.
Watch your yield compound in real-time. Up to 15% APY on XRP with no lock-up on our base tier. Withdraw anytime.
Use the Xora Card to spend XRP anywhere Visa is accepted. Auto-convert at the best rate. Keep earning on the rest.
Four risk tiers. Optimized strategies. Institutional-grade returns on your XRP. Choose the vault that matches your risk appetite.
DEPOSIT NOW →All Xora protocols are audited by Halborn and CertiK. Every line of code is open-source and verifiable on-chain. No backdoors, no admin keys.
5% of all protocol revenue flows into the Xora Insurance Fund. Full coverage against smart contract exploits up to $50M in aggregate claims.
24/7 on-chain monitoring with automated circuit breakers. Anomalous activity triggers instant vault freezes. Manual override requires multi-sig DAO vote.
Yes. Xora is fully non-custodial — we never hold your private keys. All yield strategies execute through audited smart contracts on XRPL, verified by Halborn and CertiK. Additionally, 5% of protocol revenue flows to our Insurance Fund covering up to $50M in claims.
Xora generates yield through a combination of XRPL validator rewards, automated market making (AMM) on the DEX, lending protocols, and delta-neutral hedging strategies. Each vault has a different risk/reward profile so you can choose what fits your goals.
Xora charges a 10% performance fee on yield earned — only on profits, never on principal. There are zero deposit fees, zero withdrawal fees, and zero management fees. The Xora Card has 0% FX fees on international spend.
The Safe tier (XRP Staking) has zero lock-up — withdraw instantly anytime. The Moderate tier has a 7-day cooldown, and the Aggressive tier has a 30-day lock-up. After the lock-up period, withdrawals settle in under 5 seconds on XRPL.
Xora supports all major XRPL wallets: Xumm (XAMAN), Ledger hardware wallets, GemWallet, and any wallet that supports XRPL trust lines. Connect in one click — no seed phrase required.
The Xora Card is a virtual Visa debit card that lets you spend your XRP balance anywhere Visa is accepted. It auto-converts XRP to local fiat currency at the best available rate with 0% FX fees. Your unspent balance continues earning yield. Coming Q2 2026.