XRP Yield Token
Hold XRPY. Earn 1.6% APR, daily.
Pegged 1:1 to XRP. Interest compounds and pays every day, in XRPY. Swap back on the XRP DEX anytime.
1 XRPY = 1 XRP · No KYC · 10 XRPY minimum
Features
What XRPY does
-
1 XRPY = 1 XRP
Pegged 1:1. Your position stays denominated in XRP.
-
1.6% APR, fixed
The rate does not float. It is set at 1.6% and stays there.
-
Paid daily
Interest compounds daily and pays in XRPY. Nothing to claim.
-
Swap anytime
Trades on the XRP DEX. No lock-up, no withdrawal request.
-
No KYC
Fully decentralised. Add a trustline and hold — that is all.
-
10 XRPY minimum
Balances of 10 XRPY or more earn. The floor blocks spam wallets.
How it works
Four steps
-
01
Add the trustline
Set a trustline to XRPY from any XRP Ledger wallet, using the details below.
-
02
Swap XRP for XRPY
Trade on the XRP DEX at the 1:1 peg. Hold 10 or more.
-
03
Earn every day
1.6% APR compounds daily and pays straight to your balance.
-
04
Swap back
Sell to XRP on the DEX whenever you want.
Trustline details
Verify on XRPScan ↗- Issuer address
-
rrmCh782FLdMQjvFMCdcErePA8YJvbqR2 - Currency code
-
5852505900000000000000000000000000000000
The currency code is the 40-character hex form of “XRPY”. XRP Ledger currency codes
must be exactly three characters, so a four-letter name has to be hex-encoded —
entering XRPY directly will not find the token.
Calculator
What 1.6% pays
Each day earns 1.6% ÷ 365 and is added to your balance, so the next day earns on the new total. Over a year that compounds to 1.61% APY.
Illustration only — not a projection, quote, or offer. Ignores fees and ledger costs.
Token facts
The details
| Name | XRP Yield Token |
|---|---|
| Symbol | XRPY |
| Network | XRP Ledger |
| Peg | 1 XRPY = 1 XRP |
| Rate | 1.6% APR, fixed |
| Compounding | Daily |
| Effective APY | 1.61% |
| Interest paid in | XRPY |
| Minimum to earn | 10 XRPY |
| Access | Trustline only, no KYC |
| Redemption | XRP DEX, no lock-up |
| Issuer address | rrmCh782FLdMQjvFMCdcErePA8YJvbqR2 |
| Currency code | 5852505900000000000000000000000000000000 |
| Total issued | 1,000,000 XRPY |
| Fees | To be confirmed |
| Source of yield | To be confirmed |
Still to confirm: fees, and the source of yield. The latter is the first thing an informed buyer will ask about a fixed rate — and with 1,000,000 XRPY already issued against a 1:1 XRP peg, it is the question the on-ledger data invites.
Get XRPY
Add the trustline, swap, hold 10 or more, earn daily.
FAQ
Questions
What is XRPY?
A token on the XRP Ledger pegged 1:1 to XRP. Hold 10 or more and it earns 1.6% APR, compounded and paid daily in XRPY.
How do I get it?
Set a trustline to the issuer rrmCh782FLdMQjvFMCdcErePA8YJvbqR2 from any XRP Ledger wallet, then swap XRP for XRPY on the XRP DEX. No signup, no identity check. Use the 40-character hex currency code shown in the trustline details above — “XRPY” typed as plain text will not resolve.
What does 1.6% compounded daily pay?
Each day earns 1.6% ÷ 365, added to your balance. Over a year that comes to 1.61% — about 16.13 XRPY on a holding of 1,000.
Why the 10 XRPY minimum?
Balances under 10 XRPY are skipped in the daily distribution. It keeps spam wallets out of the payout run.
Can I sell anytime?
Yes — XRPY trades on the XRP DEX with no lock-up or notice period. Like any DEX order, it fills when there is liquidity at your price.
Where does the yield come from?
To be completed by the issuer. A fixed rate has to be paid out of something specific — state what funds it.
What are the risks?
The rate and the peg are commitments from the issuer, not properties enforced by the XRP Ledger, so both depend on the issuer meeting them. Selling needs liquidity on the DEX at the time you trade. Read the disclosure below.
Risk disclosure
XRPY is a digital asset. Holding one involves risk, including loss of the entire amount. The 1.6% rate and the 1:1 peg are commitments made by the issuer, not properties enforced by the XRP Ledger, and depend on the issuer’s continued ability and willingness to honour them. XRPY is not insured and is not guaranteed by any government or deposit-protection scheme.
Redemption happens by trading on the DEX, so selling depends on liquidity at the time and the price received may be below the peg. Holding requires a trustline to the issuing account, which carries counterparty exposure to that issuer.
The issuing account has not set the NoFreeze flag and has not
disabled its master key. The issuer is therefore able to freeze individual trustlines or
apply a global freeze, and retains full control of the issuing account. All of this is
publicly verifiable on the XRP Ledger. Nothing here is investment, legal, tax, or
financial advice, or an offer in any jurisdiction where it would be unlawful.
Placeholder text. Replace with disclosure language reviewed by qualified counsel for every jurisdiction you market in before this site goes live.