Earn XRP Passive Income 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 good interest rate, 5.5%
  • Kucoin 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 offers the best Ripple XRP interest rate for US customers. Kucoin margin lending is an open marketplace where people can offer their capital to margin traders and in return they earn interest.

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

XRP Passive Income on NEXO

With NEXO, you can get up to 12% interest on your Ripple XRP holdings. 

The introductory interest rate is 4%, and the NEXO payout compounds interest daily. If you want to receive additional interest on your Ripple XRP holdings, you must

  1. Lock your funds you will earn extra (1% extra)
  2. Choose to receive your interest income in their native token, NEXO (Up to 2% extra)
  3. Hold 1-10% of the NEXO token in your account. (Up 1% extra)

NEXO is 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 Staking Interest Rate on YouHodler

With YouHodler, you earn a flat 5.5 % interest rate on your XRP deposits.

YouHodler has a loyalty program like NEXO. However, the YouHodler loyalty program has more tier levels and they are a bit higher to achieve.

However, YouHodler only pays interest on holdings up to $100.000.

YouHodler offers the best introductory interest rate for Ripple XRP if you are not ready to lock up your funds and want to receive your interest payouts in Ripple XRP crypto.

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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