Every way to earn on XRP or RLUSD that we can check from public data, with the rate, the size, how you get your money out, who holds the keys — and an A–F risk grade from our published method.
General information for everyone, not personal advice. We are never paid by the products we grade and take no commission on deposits. A risk grade is not a credit rating or a recommendation.
12 options · sorted by risk grade, then rate · data refreshed Oct 16, 17:55 UTC. Each source is read on its own; a card shows when its numbers were read. Rates change and are not promises.
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Free. One email per change, nothing else.
What's included, and what isn't
XRP Ledger AMM pools (XRP paired with RLUSD or USDC): fee income counted from the pool's own trades.
Doppler Finance vaults: balances and the rate actually paid, from Doppler's public API.
Flare FXRP products (Firelight stXRP, Kinetic, SparkDEX, Spectra and others): read from the stXRP contract and DefiLlama.
RLUSD and XRP on other chains with at least $250K in them, from DefiLlama.
Exchange earn programs that publish their rate without a login (Binance Simple Earn, OKX Savings).
XRPL lending vaults (XLS-66) appear here once lending is switched on — track it.
Products that don't publish numbers we can check are left out rather than guessed. Links go to each product's own site, with no referral codes.
For developers and funds
Every grade with its full breakdown is available as an API (yield_grade, $0.02 a call over x402, also an MCP tool) at uxus.finance. XRPLHub Pro ($49/month) adds webhook alerts for yield and lending grade changes and 20,000 grade calls a month.