XRP APY value calculator
Calculate your XRP yield & earnings.
Put your XRP to work.
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
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This illustration assumes the same rate and balance tier throughout, with daily XRP compounding. XORA token rewards accrue on the XRP balance; token quantities are separate from APY and do not compound themselves.
XORA reward value uses internal launch assumptions, not a market price or guaranteed cash return. The total combines XRP earnings with that estimated reward value.
Rates are variable. Native XRP yield is currently treasury-subsidised. XORA holds funds in custody; capital is at risk and withdrawals remain subject to account, treasury and risk controls.
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.