Best Ripple XRP Interest Rates and Best ROI

Best Ripple XRP interest account rates logo

Here, we will list how to earn the best Ripple XRP interest rates to receive the highest ROI on your investments.

Ripple XRP is among the ten largest cryptocurrencies and has been so for many years.

Getting your portfolio to grow is essential instead of just HODL on an account.

Here, we list all alternatives for you to get passive income on your Ripple XRP holdings.

If you HODL more crypto than Ripple XRP, see all the best crypto interest rates APY and staking rewards.

No Financial Advice, Information only. Do your own research

XRP best Staking APY Interest Rates

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

As you can see, some different platforms offer interest for your XRP deposits.

Below the table, you can read more about what differs between them and search for what platform suits your demands.




Earn Passive XRP Income with Coinloan

Coinloan offers the best interest-earning rates for Ripple XRP. Here, you can get up to 7.2% APY.

Coinloan is peer-to-peer lending and borrowing cryptocurrency platform. Here, lenders can earn great interest rates on their deposits to generate a passive income.

Read more about Coinloan in our Coinloan review with loyalty system and interest rates.

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 8% 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 levels and best interest rates 2022.

XRP Staking Interest Rate on YouHodler

With YouHodler, you earn a flat 4.5 % interest rate on your XRP deposits.

YouHodler doesn’t have native token or loyalty programs like NEXO and

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 is 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 the following 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

**Sign up bonus

Can I buy Ripple XRP via PayPal?

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

Bitvalve is one crypto peer-to-peer exchange offering you the possibility to buy Ripple XRP via PayPal.




Bitvalve logo

Why you should deposit your crypto to earn 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 tax file for cryptocurrencies.

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 over the year.
  3. Now, you should declare an income of $1.000
  4. As long as 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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