A neobank is a bank-like interface without the branch network. An XRP neobank is the same idea applied to XRP — a single account that lets you hold native XRP, earn yield on the balance, send and receive XRP on the XRP Ledger, and (on the roadmap) spend with a card. XORA is the first dedicated XRP neobank.
XORA is the XRP neobank: deposit native XRP, earn up to 22% APY value with daily payouts, withdraw with no fixed lock-up after account, treasury, reconciliation, and risk controls pass, and follow the planned card roadmap. Built on the XRP Ledger with treasury-level on-chain verifiability and internal ledger records reconciled against treasury backing.
XORA is a custodial XRP neobank: one account for native XRP deposits, daily yield accrual, XRP withdrawals, and the planned Xora Card roadmap. Native TRX on Tron is supported as a separate in-app pilot, not a change to the XRP-first positioning. It is not a chartered bank and does not offer FDIC-style insurance.
Exchange Earn products sit inside trading platforms and often use loyalty-token tiers or term locks. XORA is XRP-first: destination-tag deposits into an XRPL treasury, daily internal ledger reconciliation, no fixed lock-up, and withdrawal controls before broadcast.
Live features are XRP deposits, balance tracking, XRP yield distribution, XRP withdrawal flows, public security material, and operational gates. The native TRX on Tron pilot appears in-app when enabled and remains subject to treasury, reconciliation, account, and risk controls. Card spending and expanded fiat rails remain roadmap items until shipped.
Most yield options force XRP holders to leave the XRP Ledger — wrap XRP into FXRP for Flare DeFi, bridge to EVM chains for Aave-style supply, or send funds off-chain to a centralized exchange Earn product. A native XRP neobank keeps the asset on the XRP Ledger, removes bridging risk, and gives a single account interface for deposit, yield tracking, withdrawal, and roadmap spending — without the loyalty-token gating common on multi-asset Earn products.
An XRP neobank is not a chartered bank. There is no FDIC equivalent on XRP. Yield is not guaranteed — XORA's elevated native XRP component is currently a disclosed bootstrap treasury subsidy and can vary as the model transitions toward on-chain yield sources. Custody is not self-custody — depositors are trusting the neobank's treasury reconciliation and operational discipline. Reading the whitepaper, the yield source, and the security pages before depositing is mandatory.
Single shared XRPL treasury wallet. Each user has a unique destination tag that routes incoming deposits to an internal account. Yield is distributed daily; during bootstrap, the native XRP component is subsidised by the XORA treasury and disclosed separately from estimated XORA reward value. Withdrawals settle on the XRP Ledger in seconds after account, treasury, reconciliation, and risk controls. Treasury holdings are visible on-chain at the XRPL treasury address; individual user balances are internal ledger records reconciled against treasury backing daily. A finite depositor reserve buffer is planned to be funded from future protocol revenue after capitalization; it is not funded or live today and is not insurance.
Live: XRP deposits, daily yield distribution, XRP withdrawals, account balance tracking, panic-mode operational gates, public bug bounty. Roadmap: Xora Card (network, fees, wallet support, limits all TBD until live), expanded fiat ramps, multi-region availability, multisig treasury migration. Anything described as live should be testable today; anything on the roadmap should not be assumed available.
Single XRP-native account with deposit, yield, withdrawal, and planned card spending — all from one interface, backed by an XRPL treasury wallet. Native TRX on Tron is a separate in-app pilot; this page remains focused on the XRP account model.
No. It is a fintech application offering bank-like functionality on top of an XRPL treasury. There is no FDIC insurance, no chartered banking license, and no central-bank backing.
XORA pays up to 22% APY value (15% native XRP yield plus estimated XORA reward value), tier-dependent. Other yield products advertise lower native XRP rates.
The advertised rate combines two streams: native XRP yield (15%) plus estimated XORA reward value. XORA token quantity issued is separate from APY. The 15% native XRP yield is currently subsidised by the XORA treasury as a transparent bootstrap mechanism paid from a finite disclosed reserve. It is temporary and will step down as TVL grows, transitioning toward XRPL AMM liquidity provision and on-chain lending markets. Full disclosure: https://xora.finance/yield-source.
XORA has no fixed lock-up or scheduled redemption window. Standard withdrawals are designed to settle on the XRP Ledger in under 5 seconds once submitted, while account, treasury, reconciliation, or risk controls can hold or reject an outflow before broadcast.
A neobank centers on the account experience — deposits, yield, withdrawals, and spending all live in one interface. An exchange Earn product is a side feature inside a trading exchange, usually with a loyalty token gate or lock-up term.
Open an account to start earning XRP yield daily. The XRP Ledger settles withdrawals in under 5 seconds once submitted, with no scheduled redemption window and account, treasury, reconciliation, and risk controls before broadcast.
Open Xora →