# XORA

> XORA is a custodial XRP neobank that pays up to 22% APY value on idle XRP through a single shared XRP Ledger treasury wallet. The advertised rate combines native XRP yield with estimated XORA reward value; XORA token quantity is separate from APY. Built for XRP holders who want daily yield, no lock-ups, transparent treasury operations, daily reconciliations, panic-mode gates, and a public bug bounty. XORA combines crypto-native banking — deposits, daily yield, and a planned Xora Card roadmap — with the security and verifiability of the XRP Ledger.

## Docs

- [XORA — Earn 22% APY on XRP](https://xora.finance/): The XRP neobank homepage — 22% APY on idle XRP, XRPL treasury custody, no lock-up, daily XRP yield plus XORA rewards.
- [About XORA](https://xora.finance/about): What XORA is, who operates it, and how the custodial XRP neobank model works.
- [Joren — Founder](https://xora.finance/team/joren): Founder profile, topics covered, and authored writing for citing XORA content.
- [XORA Whitepaper](https://xora.finance/whitepaper): APY tiers, custody model, treasury operations, validator topology, and yield distribution mechanics.
- [Where XORA Yield Comes From](https://xora.finance/yield-source): How the 22% APY is generated — native XRP yield, XORA reward value, transparent treasury, no rehypothecation.
- [XORA Security](https://xora.finance/security): Custody model, single shared treasury, daily reconciliations, panic-mode gates, and bug bounty tiers.
- [Live Protocol Stats](https://xora.finance/stats): Real-time TVL, active wallets, yield paid, and treasury balance.
- [Watch XRP Yield Move Live](https://xora.finance/live-yield): Real-time view of XRP yield accruing on XORA, deposits, and withdrawals on the XRP Ledger.
- [XRP Yield Calculator](https://xora.finance/xrp-yield-calculator): Estimate projected XRP yield and XORA rewards by balance tier — daily, monthly, and annual projections.
- [Best XRP Yield Rates](https://xora.finance/xrp-yield-rates): Sourced XRP yield rate board for XORA, Nexo, YouHodler, Binance Earn, Coinbase Earn, Flare FXRP vaults, and XRPL AMM liquidity.
- [XORA Public API](https://xora.finance/api): Read-only API for protocol stats, XRP price, yield tiers, validator info, and health checks. CORS-enabled.
- [Creator Payouts](https://xora.finance/creators): Earn 50–500 XRP per qualifying tweet about XORA — open to crypto and finance creators.
- [XRP & XRPL Glossary](https://xora.finance/glossary): 17 essential XRP and XRPL terms every yield earner should know.
- [XORA Comparisons](https://xora.finance/vs): Side-by-side XRP yield comparisons against Nexo, YouHodler, Ledn, Coinbase Earn, Binance Earn, Aave, Flare FXRP, Crypto.com Earn, Kraken Earn, and Cake DeFi.

## Topic Hubs

- [XRP Yield in 2026 (Hub)](https://xora.finance/xrp-yield): Every way to earn yield on XRP — neobanks, exchange Earn, FXRP vaults, AMMs, lending — with rates and risk tradeoffs.
- [XRP Neobank (Hub)](https://xora.finance/xrp-neobank): What an XRP neobank is, how XORA implements the model, and the difference from exchange Earn products.
- [XRPL Custody (Hub)](https://xora.finance/xrpl-custody): How XRP is held inside XORA — shared treasury wallet plus destination-tag routing, with on-chain verifiability.
- [XORA vs Crypto.com Earn](https://xora.finance/vs/crypto-com-earn): Side-by-side comparison vs Crypto.com Earn — tier-gated rates vs no token gate.
- [XORA vs Kraken Earn](https://xora.finance/vs/kraken-earn): Side-by-side comparison vs Kraken Earn — limited XRP coverage vs XRP-native yield.
- [XORA vs Cake DeFi](https://xora.finance/vs/cake-defi): Side-by-side comparison vs Cake DeFi — DeFi-routed wrapper vs native XRP yield.
- [Privacy Policy](https://xora.finance/privacy): How XORA collects, stores, and protects user data.
- [Terms of Service](https://xora.finance/terms): Variable APY, no FDIC insurance, crypto risk disclosure, and full terms.

## Guides

- [XORA Guides Index](https://xora.finance/guides): Practical XRP guides — destination tags, exchange deposits, XRPL AMMs, yield risks, passive income, and card basics.
- [What Is an XRP Destination Tag?](https://xora.finance/guides/xrp-destination-tag): Plain-English explanation of destination tags and why exchanges and custodial apps require them.
- [Deposit XRP from Binance to XORA](https://xora.finance/guides/deposit-xrp-from-binance-to-xora): Step-by-step Binance → XORA deposit using XRP Ledger address and destination tag.
- [Deposit XRP from Coinbase to XORA](https://xora.finance/guides/deposit-xrp-from-coinbase-to-xora): Send XRP from Coinbase to XORA with the correct address and destination tag.
- [Deposit XRP from Uphold to XORA](https://xora.finance/guides/deposit-xrp-from-uphold-to-xora): Checklist for sending XRP from Uphold to XORA without losing the destination tag.
- [Deposit XRP from Bitstamp to XORA](https://xora.finance/guides/deposit-xrp-from-bitstamp-to-xora): Bitstamp → XORA deposit with address, tag, and pre-send checklist.
- [Deposit XRP from Kraken to XORA](https://xora.finance/guides/deposit-xrp-from-kraken-to-xora): Kraken → XORA withdrawal checklist with destination tag.
- [Deposit XRP from OKX to XORA](https://xora.finance/guides/deposit-xrp-from-okx-to-xora): OKX → XORA withdrawal checklist with tag/memo handling.
- [Deposit XRP from Bybit to XORA](https://xora.finance/guides/deposit-xrp-from-bybit-to-xora): Bybit → XORA withdrawal checklist with tag/memo handling.
- [Deposit XRP from KuCoin to XORA](https://xora.finance/guides/deposit-xrp-from-kucoin-to-xora): KuCoin → XORA withdrawal checklist with memo/tag handling.
- [Deposit XRP from Gate to XORA](https://xora.finance/guides/deposit-xrp-from-gate-to-xora): Gate → XORA withdrawal checklist with memo/tag handling.
- [Earn Yield on XRP Without Selling](https://xora.finance/guides/earn-yield-on-xrp-without-selling): Tradeoffs between exchanges, lending desks, DeFi wrappers, and XORA for XRP holders.
- [Can You Stake XRP?](https://xora.finance/guides/can-you-stake-xrp): Native XRP staking answer and alternatives across XORA, exchange earn, FXRP vaults, AMMs, and lending.
- [XRPL AMM vs XORA](https://xora.finance/guides/xrpl-amm-vs-xora): Self-custody XRPL liquidity pools versus managed XORA XRP yield.
- [XRP Yield Risks](https://xora.finance/guides/xrp-yield-risks): Custody, liquidity, reward-token, and protocol risks for XRP yield products.
- [XRP Passive Income](https://xora.finance/guides/xrp-passive-income): Ways XRP holders can earn without selling, with tradeoffs and setup checks.
- [XRP Card Guide](https://xora.finance/guides/xrp-card): How XRP card products work and what remains on the Xora Card roadmap.

## Comparisons

- [XORA Comparisons Index](https://xora.finance/vs): XRP yield comparison hub for choosing between custodial earn platforms, exchanges, and DeFi.
- [XORA vs Nexo](https://xora.finance/vs/nexo): XRP yield, custody, token-gating, card, and proof-of-reserves comparison.
- [XORA vs YouHodler](https://xora.finance/vs/youhodler): XRP yield versus Swiss lending and leveraged yield products.
- [XORA vs Ledn](https://xora.finance/vs/ledn): XRP-native yield compared with Bitcoin-first conservative custody.
- [XORA vs Coinbase Earn](https://xora.finance/vs/coinbase-earn): XRP rewards availability, custody, and US exchange tradeoffs.
- [XORA vs Binance Earn](https://xora.finance/vs/binance-earn): XRP flexible savings rates, exchange custody, and lock-up tradeoffs.
- [XORA vs Aave](https://xora.finance/vs/aave): Native XRP yield versus EVM self-custody and DeFi lending.
- [XORA vs Flare FXRP Vaults](https://xora.finance/vs/flare-fxrp): Native XRP account yield versus FXRP vault strategies on Flare.

## Blog

- [XORA Blog](https://xora.finance/blog): Insights on XRP yield, neobanking, staking strategies, and the future of crypto finance.
- [Crypto Neobanks Compared: Xora vs Nexo vs YouHodler vs Ledn (2026)](https://xora.finance/blog/crypto-neobank-comparison): APY rates, security, supported assets, and which crypto neobank fits which user.
- [XRP vs Ethereum: Where Can You Earn Better Yield in 2026?](https://xora.finance/blog/xrp-vs-ethereum-yield): Real APY numbers, risk analysis, and which ecosystem offers better returns.
- [Best XRP Wallets in 2026](https://xora.finance/blog/best-xrp-wallets-2026): Custodial vs non-custodial breakdown with security, yield, and usability ratings.
- [How to Earn Yield on XRP in 2026](https://xora.finance/blog/how-to-earn-yield-on-xrp): Compare staking, lending, liquidity provision, and neobanking with real APY numbers.
- [What Is an XRP Neobank?](https://xora.finance/blog/what-is-an-xrp-neobank): How XRP neobanks combine crypto yield with everyday banking, and how they differ from banks and DeFi.
- [XRP Staking vs Traditional Savings](https://xora.finance/blog/xrp-staking-vs-savings-account): XRP yield platforms compared to high-yield savings, CDs, and money market funds.
- [XRP Debit Card Guide 2026](https://xora.finance/blog/xrp-debit-card-2026): Best crypto debit cards for spending XRP — fees, FX rates, Apple Pay, and the planned Xora Card roadmap.
- [The XRPL DeFi Ecosystem in 2026](https://xora.finance/blog/xrpl-defi-ecosystem-guide): XRP Ledger's native DEX, AMM, Hooks, sidechains, and how it compares to Ethereum and Solana DeFi.

## Optional

- [한국어 (Korean)](https://xora.finance/ko): XRP에서 22% APY — 한국 XRP 보유자를 위한 XORA 네오뱅크 소개와 1,000 XORA 보너스.