XORA vs Gemini Earn
Gemini Earn was a Genesis-powered lending product that was halted in November 2022; Earn users were repaid by 2024 and it was never relaunched. Gemini's current Staking product does not support XRP. Here is how it compares to Xora — the XRP-native neobank paying up to 22% APY value with on-chain XRPL custody.
There is no live Gemini route to earn yield on XRP. Gemini Earn was discontinued in the 2022 Genesis collapse, and Gemini Staking only supports ETH, SOL, and MON. If XRP is your asset, Xora is the dedicated alternative, paying up to 22% APY value on XRP. Use Gemini for regulated trading or for staking the assets it actually supports.
At-a-Glance Comparison
| Feature | Xora | Gemini Earn |
|---|---|---|
| Top APY (any asset) | 22% APY value (on XRP) | Gemini Staking: about 3% APR on ETH and 6% APR on SOL before fees; XRP not eligible. Varies by asset |
| XRP yield | 22% APY value (Tier 1) | No XRP yield — Gemini Earn was discontinued (2022); Gemini Staking covers ETH, SOL, and MON only |
| Custody model | On-chain XRPL (auditable) | Custodial; NYDFS-chartered trust. Staking validator operations managed by Gemini |
| Chain / settlement | XRP Ledger (3-5s) | No XRP yield path; current staking covers Ethereum, Solana, and MON |
| Lock-up | None | Not applicable to XRP (no XRP yield). Staking is subject to protocol unbonding queues |
| Insurance | Finite depositor reserve buffer, not insurance | No retail FDIC/SIPC on crypto; NYDFS trust with fund-segregation rules |
| Proof of reserves | XRPL treasury backing and settled inflows visible on-chain; individual balances are internal ledger records | No standardized public proof-of-reserves dashboard; NYDFS trust oversight |
| Card | In development | Live (Gemini Credit Card, Mastercard) — purchase rewards in crypto, not yield on balances |
| Regulation | Pending | US (NYDFS trust charter), EU (MiCA via Malta MFSA); public company (Nasdaq: GEMI) |
| Operating since | 2025 | 2014 |
When to Choose Xora
- You hold XRP and want to earn yield on it — Gemini does not offer that
- You want a live XRP yield account rather than a discontinued Earn program
- You prefer XRPL treasury custody with on-chain-verifiable backing
When to Choose Gemini Earn
- You want a NYDFS-regulated US exchange with a long track record
- You stake ETH, SOL, or MON — the assets Gemini Staking supports
- You want a crypto-rewards credit card from a publicly listed company
The Honest Verdict
There is no live Gemini route to earn yield on XRP. Gemini Earn was discontinued in the 2022 Genesis collapse, and Gemini Staking only supports ETH, SOL, and MON. If XRP is your asset, Xora is the dedicated alternative, paying up to 22% APY value on XRP. Use Gemini for regulated trading or for staking the assets it actually supports.
Both can be used together. Many XRP holders keep their core position on Xora for native yield and use Gemini Earn for the use cases it specializes in.
Frequently Asked Questions
Is Gemini Earn still available?
No. Gemini Earn was halted in November 2022 when its lending partner Genesis froze withdrawals. Earn users were repaid in-kind by 2024 and the program was not relaunched.
Can I earn yield on XRP with Gemini?
No. Gemini's current yield product, Gemini Staking, supports only ETH, SOL, and MON. XRP on Gemini is trade-only. To earn on XRP, use a dedicated XRP account like Xora (up to 22% APY value).
XORA vs Gemini Earn: what is the real comparison?
Xora is a live XRP yield account. Gemini Earn no longer exists, so the practical comparison is Xora's XRP yield versus having no Gemini option for XRP at all.
Is Gemini safe?
Gemini is a NYDFS-chartered trust and a public company, with fund-segregation requirements. It is custodial and not government-deposit-insured for crypto. Xora's model is XRPL treasury custody reconciled against internal user ledgers.
Which one supports XRP?
Both support XRP for holding and trading, but only Xora pays yield on XRP. Gemini does not offer XRP staking or earn.
Sources and Methodology
Rates, availability, custody notes, and product details change. This comparison uses public product pages and protocol documentation, then normalizes each option by XRP support, custody route, lock-up, reward asset, and withdrawal path.
- Gemini Staking (supported assets) last checked 2026-06-18
- Gemini Earn last checked 2026-06-18
- XORA yield source last checked 2026-06-18
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Calculate your XRP yield with our XRP yield calculator, read the guide on earning yield on XRP, or open an account.
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