Binance-Peg XRP (XRP) Lending Rates Up to 0.21% APY

Find the best XRP lending rates and earn up to 0.21% APY. Compare 2 platforms side-by-side.

Last updated: January 12, 2026|Advertising disclosure

Binance-Peg XRP Lending Guide

How to lend Binance-Peg XRP

Crypto lending guide

Binance-Peg XRP (XRP) Lending Rates Up to 0.21% APY

Find the best XRP lending rates and earn up to 0.21% APY. Compare 2 platforms side-by-side.

Last updated: January 12, 2026|Advertising disclosure

Compare Binance-Peg XRP (XRP) Lending Rates

Platform	Coin	Interest rate
Nexo	Binance-Peg XRP (XRP)	Up to 12% APY
EarnPark	Binance-Peg XRP (XRP)	Up to 5% APY
YouHodler	Binance-Peg XRP (XRP)	Up to 12% APY
Kucoin	Binance-Peg XRP (XRP)	Up to 0.21% APY

Historical Binance-Peg XRP lending rates (the United States)

Rates shown are the headline rates we track for the United States users; actual rates may vary by product, tier, or terms.

Rate data for Nexo, YouHodler, Earnpark
Date	Nexo	YouHodler	Earnpark
2026-01-03	12.00	12.00	0.05
2026-01-04	12.00	12.00	0.05
2026-01-05	12.00	12.00	0.05
2026-01-06	12.00	12.00	0.05
2026-01-07	12.00	12.00	0.05
2026-01-08	12.00	12.00	0.05
2026-01-09	12.00	12.00	0.05
2026-01-10	12.00	12.00	0.05
2026-01-11	12.00	12.00	0.05
2026-01-12	12.00	12.00	0.05
2026-01-13	12.00	12.00	0.05
2026-01-14	12.00	12.00	0.05
2026-01-15	12.00	12.00	0.05
2026-01-16	12.00	12.00	0.05
2026-01-17	12.00	12.00	0.05
2026-01-18	12.00	12.00	0.05
2026-01-19	12.00	12.00	0.05
2026-01-20	12.00	12.00	0.05
2026-01-21	12.00	12.00	0.05
2026-01-22	12.00	12.00	0.05
2026-01-23	12.00	12.00	0.05
2026-01-24	8.50	12.00	0.05
2026-01-25	8.50	12.00	0.05
2026-01-26	8.50	12.00	0.05
2026-01-27	8.50	12.00	0.05
2026-01-28	8.50	12.00	0.05
2026-01-29	8.50	12.00	4.11
2026-01-30	8.50	12.00	5.00

YouHodler currently offers the highest Binance-Peg XRP lending rate in the United States at 12.00% APY, matching its 30-day average of 12.00%.

30-DAY AVERAGE RATESArrows compare today vs 30-day average

Provider	Current Rate	Trend	Average Rate
Nexo	12%		avg 11.13%
YouHodler	12%	-	avg 12%
Earnpark	5%		avg 0.37%
Best 30-day averageYouHodler (12% APY)

Last updated: Feb 1, 2026, 06:00 AM

Binance-Peg XRP Lending Guide

How to lend Binance-Peg XRP

Crypto lending guide

Frequently Asked Questions About Binance-Peg XRP (XRP) Lending

What is Binance-Peg XRP and how does it differ from XRP on the XRP Ledger?: Binance-Peg XRP is a tokenized version of XRP issued on the Binance Smart Chain ecosystem. It is pegged to the value of XRP at a 1:1 ratio but exists as an BEP-20 token on BSC, allowing cheaper and faster transfers within Binance’s ecosystem. Unlike XRP on the XRP Ledger, Binance-Peg XRP relies on a bridge mechanism to maintain price parity with XRP and may be subject to the liquidity and security of the Binance ecosystem. Investors should understand that while it tracks XRP’s price, it is not the native XRP asset and does not natively operate on the XRP Ledger’s consensus mechanism (unLike XRP on its home chain).
What are the practical use cases for Binance-Peg XRP in the Binance ecosystem?: Binance-Peg XRP enables participation in DeFi on Binance Smart Chain, including liquidity provision, yield farming, and cross-chain trading within supported platforms. It can be used to pay for transaction fees on certain services, participate in XRP‑related liquidity pools, and bridge to other chains via cross-chain protocols. Because it is BEP-20, it benefits from BSC’s lower fees and higher throughput compared to some networks. Always verify that the specific platform you use supports Binance-Peg XRP for each action, as use cases can vary by dApp and wallet.
How can I acquire Binance-Peg XRP and what should I watch out for when buying?: You can acquire Binance-Peg XRP on compatible centralized exchanges and decentralized bridges or liquidity pools that list the token. When buying, check the token’s contract and verify it is the exact BEP-20 version pegged to XRP. Watch for liquidity depth, slippage, and potential impersonators or scams offering misleading contracts. Keep in mind the price may be pegged near XRP but can diverge briefly if liquidity is low or market conditions shift. Use reputable platforms, enable security features, and consider using limit orders to control entry price.
Is Binance-Peg XRP a good hedge or investment compared to XRP itself?: Binance-Peg XRP provides exposure to XRP’s price via a BEP-20 vehicle, but it is not XRP on the XRP Ledger and carries different risk profiles, including counterparty risk, bridge security, and platform-specific liquidity. If your goal is direct exposure to XRP’s real-time movement on the XRP Ledger, this token may not perfectly mirror it during outages or liquidity storms. For hedging or diversification, consider how much of your portfolio is allocated to cross-chain assets and monitor the peg mechanics and supported markets. Always perform due diligence and avoid overexposure to a single cross-chain token.
What risks should I consider before holding Binance-Peg XRP?: Key risks include peg stability risk if liquidity on the Binance ecosystem dries up, smart contract risk on the BEP-20 implementation, and potential regulatory or exchange-related changes affecting cross-chain bridges. Additionally, price tracking may experience short-term deviations from XRP due to liquidity, arbitrage dynamics, or platform-specific issues. Security best practices are essential: use hardware wallets when possible, enable two-factor authentication on exchanges, and avoid exposing private keys. Regularly review project updates from Binance and trusted community channels.

Frequently Asked Questions About Binance-Peg XRP (XRP) Lending

What is Binance-Peg XRP and how does it differ from XRP on the XRP Ledger?: Binance-Peg XRP is a tokenized version of XRP issued on the Binance Smart Chain ecosystem. It is pegged to the value of XRP at a 1:1 ratio but exists as an BEP-20 token on BSC, allowing cheaper and faster transfers within Binance’s ecosystem. Unlike XRP on the XRP Ledger, Binance-Peg XRP relies on a bridge mechanism to maintain price parity with XRP and may be subject to the liquidity and security of the Binance ecosystem. Investors should understand that while it tracks XRP’s price, it is not the native XRP asset and does not natively operate on the XRP Ledger’s consensus mechanism (unLike XRP on its home chain).
What are the practical use cases for Binance-Peg XRP in the Binance ecosystem?: Binance-Peg XRP enables participation in DeFi on Binance Smart Chain, including liquidity provision, yield farming, and cross-chain trading within supported platforms. It can be used to pay for transaction fees on certain services, participate in XRP‑related liquidity pools, and bridge to other chains via cross-chain protocols. Because it is BEP-20, it benefits from BSC’s lower fees and higher throughput compared to some networks. Always verify that the specific platform you use supports Binance-Peg XRP for each action, as use cases can vary by dApp and wallet.
How can I acquire Binance-Peg XRP and what should I watch out for when buying?: You can acquire Binance-Peg XRP on compatible centralized exchanges and decentralized bridges or liquidity pools that list the token. When buying, check the token’s contract and verify it is the exact BEP-20 version pegged to XRP. Watch for liquidity depth, slippage, and potential impersonators or scams offering misleading contracts. Keep in mind the price may be pegged near XRP but can diverge briefly if liquidity is low or market conditions shift. Use reputable platforms, enable security features, and consider using limit orders to control entry price.
Is Binance-Peg XRP a good hedge or investment compared to XRP itself?: Binance-Peg XRP provides exposure to XRP’s price via a BEP-20 vehicle, but it is not XRP on the XRP Ledger and carries different risk profiles, including counterparty risk, bridge security, and platform-specific liquidity. If your goal is direct exposure to XRP’s real-time movement on the XRP Ledger, this token may not perfectly mirror it during outages or liquidity storms. For hedging or diversification, consider how much of your portfolio is allocated to cross-chain assets and monitor the peg mechanics and supported markets. Always perform due diligence and avoid overexposure to a single cross-chain token.
What risks should I consider before holding Binance-Peg XRP?: Key risks include peg stability risk if liquidity on the Binance ecosystem dries up, smart contract risk on the BEP-20 implementation, and potential regulatory or exchange-related changes affecting cross-chain bridges. Additionally, price tracking may experience short-term deviations from XRP due to liquidity, arbitrage dynamics, or platform-specific issues. Security best practices are essential: use hardware wallets when possible, enable two-factor authentication on exchanges, and avoid exposing private keys. Regularly review project updates from Binance and trusted community channels.

Binance-Peg XRP (XRP) Lending Rates Up to 0.21% APY

Binance-Peg XRP Lending Guide

Binance-Peg XRP (XRP) Lending Rates Up to 0.21% APY

Compare Binance-Peg XRP (XRP) Lending Rates

Historical Binance-Peg XRP lending rates (the United States)

30-DAY AVERAGE RATESArrows compare today vs 30-day average

Binance-Peg XRP Lending Guide

Frequently Asked Questions About Binance-Peg XRP (XRP) Lending

Newly Added Coins to Lend

Similar Coins to Lend

Supported Lending Platforms

Frequently Asked Questions About Binance-Peg XRP (XRP) Lending

Compare Binance-Peg XRP (XRP) Lending Rates

Historical Binance-Peg XRP lending rates (the United States)

30-DAY AVERAGE RATESArrows compare today vs 30-day average