Yield calculator
Estimate XRP yield.
XRP estimate
22% APY valueEstimated earnings in 1 year
+220 XRP-eq
Includes estimated XORA value. XORA is not tradable yet; listing timing may change.
Rates & assumptions
15% XRP APY + 7% estimated XORA value
Loading XRP price…
Daily compounding assumes constant rates and balance tier. XORA tokens accrue on the XRP balance; token quantities are separate from APY and do not compound. Totals include XRP earnings and estimated XORA value, based on internal launch assumptions, not a market price or guaranteed cash return.
Rates are variable and not guaranteed. Native XRP yield is treasury-subsidised. XORA holds funds in custody; capital is at risk. No fixed lock-up; account, treasury, reconciliation and risk controls apply before withdrawal broadcast.
Where the yield comes fromQuick answers
What does APY value mean?
APY value combines projected native XRP yield with estimated XORA reward value. XORA token quantity is separate from APY, and the estimate can change as rates and reward assumptions change.
Is this calculator a guarantee?
No. The calculator is an estimate for planning and comparison. APY value is variable, XRP price can move, and the native XRP component is currently subsidised by the XORA treasury during bootstrap.
Which balance tiers are used?
The calculator mirrors XORA's balance tiers: 22% APY value up to 1,000 XRP, 19% up to 10,000 XRP, 17% up to 100,000 XRP, and 15% above that.
Can I deep-link a calculator amount?
Yes. Add an amount query parameter such as /xrp-yield-calculator?amount=2500 to open the calculator with a prefilled XRP balance.
How does XORA compare across XRP, TRX, XLM, and BTC?
Compare published venue terms on our live rate boards for XRP (up to 22%), TRX (up to 28%), XLM (up to 21%), and BTC (up to 14%), read our XRP lending platforms comparison, crypto neobanks ranked by yield, and RLUSD Yield on XRPL, or reserve your @handle metal card link.