Joren
Founder · XORA · The XRP Neobank
I built XORA so XRP holders could earn daily yield on real XRP without selling, wrapping, or bridging — with a transparent XRPL treasury, no lock-up, and a simple bank-like UI.
What I work on
XORA pays up to 22% APY value on XRP: 15% native XRP yield plus estimated XORA reward value. The whole stack is custodial-but-verifiable — a single shared XRPL treasury wallet, unique destination tags per user, daily reconciliations, and a public bug bounty. I run product, treasury ops, and engineering.
Before XORA I spent several years building consumer fintech and crypto infrastructure. I write about XRP yield mechanics, XRPL custody design, and what I learn running an actual on-chain treasury at the XORA blog.
Topics I cover
- · XRP Ledger custody design and treasury reconciliation
- · XRP yield economics (native validator economics ≠ depositor yield)
- · Crypto neobanking — what works, what doesn't, what's actually safe
- · XRPL destination tags, deposit routing, withdrawal safety
- · Honest comparisons against Nexo, YouHodler, Ledn, Binance Earn, Coinbase Earn, Aave, Flare FXRP
Channels
Recent writing
How XORA works in one paragraph
You deposit XRP from any wallet or exchange using a personal destination tag. The XRP arrives in XORA's shared XRPL treasury and is credited to your internal account balance. Every day, XORA pays a portion of treasury yield back to depositors — 15% APY in XRP plus estimated XORA reward value, no lock-up, withdraw any time. Treasury operations and inflows are visible on the XRP Ledger; internal balances are reconciled against treasury backing daily. Read the whitepaper or the yield source page for the full mechanics.