Find the best XRP lending rates and earn up to 12% APY APY. Compare 5 platforms side-by-side.
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The best XRP lending rate is 8.25% APY on Nexo.. Other top platforms include Nebeus (4.5% APY) and YouHodler (12% APY). Compare XRP lending rates across 5 platforms.
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | US Access |
|---|---|---|---|---|---|---|
| Nexo | Go to Platform | 8.25% APY | 4.25% APY | — | 90 days | Check terms |
| Nebeus | Go to Platform | 4.5% APY | — | — | — | Check terms |
| YouHodler | Go to Platform | 12% APY | — | — | — | Check terms |
| EarnPark | Go to Platform | 5% APY | — | — | — | Check terms |
| OKX | Go to Platform | 3.65% APY | — | — | — | Check terms |
We evaluate each platform's regulatory status, transparency, and track record.
| Platform | Regulatory Status | Proof of Reserves | Track Record | Insurance |
|---|---|---|---|---|
| Nexo | EU (VARA Dubai, Multiple VASPs) | 2024-12 (Armanino) | Has issues | Custodial insurance |
| OKX | EU (MiCA Malta, VARA) | 2025-01 (Hacken) | No defaults | None |
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