Passive Income XRP Ripple – Earn Interest 12% APY

Earn Ripple XRP Passive Income Interest 12

Here, we will list how to earn passive income with the best Ripple XRP interest rates.

  • NEXO offers the best Ripple XRP APY lending rate, 12%
  • Youhodler also has a reasonable interest rate 5.5%
  • Kucoin Earn has an open lending market where the interest rate is dynamic

No Financial Advice, Information only. Do your own research

XRP Best Lending APY Interest Rates

The table below lists all the best interest rates for Ripple XRP. 

Read more about how to achieve the best lending rates in each section per company below.




Kucoin Lending XRP APY Interest Rates

Kucoin Earn offers one of the best Ripple XRP interest rates. Kucoin margin lending is an open marketplace where people provide their capital to margin trade, make deals, and earn interest in return.

KuCoin, a renowned cryptocurrency exchange, offers a peer-to-peer lending marketplace for margin, allowing users to earn interest on their crypto assets. In this ecosystem, users can lend their idle digital assets to other traders seeking to borrow for margin trades. Lenders benefit from earning interest on loan-lent assets, adding a passive income stream to their portfolio.

To participate, users can navigate to the lending section of the KuCoin platform, choose the cryptocurrency they wish to lend, and set the lending terms, including the duration and interest rate. The interest rates vary based on market conditions and demand for specific cryptocurrencies. Once the terms are set, the lending process begins, and users can monitor their earnings in real-time.

This lending marketplace offers a win-win scenario, allowing lenders to earn interest while helping margin traders access the funds they need for leveraged trading. Participants must conduct thorough research and carefully manage their lending portfolio to optimize their earnings and mitigate cryptocurrency lending risks.

The current rate for Ripple XRP on Kucoin lending is around 1%. However, since the market is open, the interest rate changes constantly.

XRP Passive Income on NEXO

With NEXO, you will get the best interest rate on your Ripple XRP holdings, up to 12%. is a blockchain-based platform that allows cryptocurrency holders, including Ripple XRP, to earn interest on their assets. Users can deposit XRP into their account and start earning interest immediately. The platform offers attractive interest rates, calculated daily and paid out monthly. This feature allows XRP holders to grow their holdings and generate a passive income.

Furthermore, operates with a unique approach where users can obtain instant loans against their XRP holdings without selling them. This allows access to liquidity while retaining ownership of XRP, providing flexibility to users. The platform’s security measures and transparency in operations enhance trust and confidence among users.

In summary, is a user-friendly platform enabling XRP holders to earn interest on their holdings and even access instant loans against their assets, enhancing the utility and potential growth of their XRP portfolio.

NEXO is a regulated lending and borrowing crypto company with an exchange feature for 175+ trading pairs.

Read more about the Nexo wallet review with loyalty tier levels.

XRP Interest Rate on YouHodler

YouHodler is a leading cryptocurrency platform that offers an attractive opportunity for XRP holders to earn interest on their holdings. Users can start earning interest by depositing XRP into their YouHodler savings account, allowing their XRP to grow over time.

The interest rates are competitive and vary based on the chosen savings plan, providing flexibility to users in deciding how to optimize their earnings.

The process is straightforward; users simply deposit their XRP into the savings account and can watch their balance grow as the platform accrues interest regularly. YouHodler also compounds interest, maximizing the potential for passive income.

This feature enables users to benefit from the initial deposit and accumulated interest, further enhancing their XRP holdings.

Overall, YouHodler offers a seamless and convenient way for XRP holders to earn interest and potentially increase their cryptocurrency portfolio.

Other cryptocurrencies YouHodler is offering the best introductory interest rate for

Ripple XRP Interest on Binance

Binance Earn doesn´t offer a reasonable interest rate for Ripple XRP, and we think you should consider any other platforms.

Binance is an excellent platform if you are looking for the best interest rate for any of those cryptocurrencies.

What are Ripple and XRP?

Ripple is a payment settlement system that could potentially replace SWIFT. The settlement payment network can process transactions worldwide within seconds for a fraction of the cost.

XRP is a digital asset built for payments. It is the native digital asset on the XRP Ledger—an open-source, permissionless, and decentralized blockchain technology that can settle transactions in 3-5 seconds.

What is the Ripple SEC lawsuit about?

SEC has an ongoing lawsuit against Ripple where they claim (or at least want to test) whether or not XRP is security regarding the Howie test.

The outcome can significantly impact the XRP adoption and price movement.

Where to buy Ripple XRP?

After the lawsuit mentioned above, many exchanges delisted Ripple XRP. However, you can still buy Ripple XRP on top altcoin crypto exchanges.

In addition, they all offer staking and interest-earning opportunities.

Uphold is one of the very few regulated crypto exchanges allowing US customers to trade XRP.




*Reduction in fees

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Can I buy Ripple XRP via PayPal?

Yes, you can buy crypto via PayPal and Ripple XRP, but the options are limited to crypto peer-to-peer exchanges.

Bitvalve is one crypto peer-to-peer exchange that allows you to buy Ripple XRP via PayPal.




Bitvalve logo

Why should you deposit your crypto to earn an interest rate?

It’s crucial to deposit your cryptocurrency holdings into an account where you earn passive income.

Many cryptocurrencies give a 4-5% yield per year, and it might not look as much initially.

However, it’s vital to understand the interest-on-interest concept or the compounding effect. If you are not familiar with this concept, you should learn about it, especially if you intend to be a serious investor in the long term.

Read more about what is a Bitcoin interest account?.

How to Pay taxes on Ripple XRP interest payouts?

In most countries, including the US, interest payouts are considered income.

Therefore, you need to include interest payments in your cryptocurrency tax file.

However, it can be a bit more complicated.

Let’s take an example.

  1. You hold 10.000 XRP worth $10.000
  2. You receive 10% interest, and the XRP price is stable yearly.
  3. Now, you should declare an income of $1.000
  4. If you keep those 1000 XRP, you don’t pay any extra tax if XRP gains value.
  5. However, you might have to pay tax on your capital gains once you sell them. In this case, you use $1 as the purchase price for your earned XRP coins. So, for example, if XRP is worth $2 when you sell, you must pay tax on your $1.000 gain in value.

Read more about how Bitcoin and crypto interest payouts are handled in your tax file.

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