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Best XRP Rates • January 2026

Best Ripple Reward Rates

Maximize your Ripple holdings by finding the highest reward rates. We compare top-tier platforms to help you choose where to earn the best APY on your XRP.

CoinDepo

CoinDepo

12% APY

Verified XRP Reward

HEXN

HEXN

6% APY

Verified XRP Reward

EarnPark

EarnPark

5% APY

Verified XRP Reward

Compare All Ripple Reward Rates

Top tracked platforms for XRP yield generation.

Verified Rates

CoinDepo

dai usdc usdt
Current Reward
12%

HEXN

dai tusd usdc usdt
Current Reward
6%

EarnPark

algo dai lp usdc
Current Reward
5% STEADY

Nexo

dual investment eurc interest lending
Current Reward
5%

YouHodler

dai eurc pyusd tusd
Current Reward
4% STEADY

Nebeus

eurc loans neobank staking
Current Reward
3.5%

AscendEX

exchange staking usdt
Current Reward
2.02% DOWN

Coinmetro

exchange staking
Current Reward
2%

Kraken

bitcoin staking defi exchange staking
Current Reward
1% STEADY

Maximizing Your Ripple Rewards

Earning rewards on your Ripple (XRP) is one of the best ways to compound your holdings without active trading. By using yield generation platforms, you essentially "rent" your assets to institutional borrowers, on-chain protocols, or market makers who pay you a reward in return.

Key Factors to Consider

  • Risk vs Reward: Higher rates often carry higher risk. Centralized platforms (CeFi) provide ease of use, while Decentralized (DeFi) protocols give you more control but require more technical skill.
  • Lock-up Periods: Some platforms offer "flexible" rates where you can withdraw anytime, while others offer higher rewards if you commit your XRP for 30, 60, or 90 days.
  • Compounding: Look for platforms that compound your rewards daily or even per-block to maximize the effective annual yield.

Is Staking the Same as Reward Rates?

Usually, "Reward Rates" is a broad term that includes both Proof-of-Stake (PoS) staking and lending yields. If you're looking specifically for native network staking, be sure to check if the platform is acting as a validator or simply a lending pool.