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
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1 XRPY = 1 XRP
Pegged 1:1. Your position stays denominated in XRP.
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1.6% APR, fixed
The rate does not float. It is set at 1.6% and stays there.
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Paid daily
Interest compounds daily and pays in XRPY. Nothing to claim.
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Swap anytime
Trades on the XRP DEX. No lock-up, no withdrawal request.
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No KYC
Fully decentralised. Add a trustline and hold — that is all.
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10 XRPY minimum
Balances of 10 XRPY or more earn. The floor blocks spam wallets.
How it works
Four steps
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01
Add the trustline
Set a trustline to XRPY from any XRP Ledger wallet, using the details below.
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02
Swap XRP for XRPY
Trade on the XRP DEX at the 1:1 peg. Hold 10 or more.
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03
Earn every day
1.6% APR compounds daily and pays straight to your balance.
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04
Swap back
Sell to XRP on the DEX whenever you want.
Trustline details
Verify on XRPScan ↗- Issuer address
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rrmCh782FLdMQjvFMCdcErePA8YJvbqR2 - Currency code
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5852505900000000000000000000000000000000
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 XRP Ledger transaction costs.
Source of yield
Where does the yield come from?
XRPY is designed around a simple principle: yield should not require excessive risk. The 1.6% program rate is generated through a conservative combination of market-neutral arbitrage, liquidity operations and treasury strategies conducted by Satisdo.
Unlike higher-yielding products that may depend on unsecured lending, leveraged speculation or directional exposure to cryptocurrency prices, XRPY is designed to prioritise capital preservation and liquidity over maximising yield.
Market-neutral arbitrage Primary source
XRP trades continuously across numerous exchanges, liquidity pools and order books, and temporary price differences can emerge between them. Satisdo may capture these by simultaneously purchasing XRP where it is priced lower and selling an equivalent amount where it is priced higher — capturing existing market inefficiencies rather than speculating on the future price of XRP.
A simultaneous purchase and sale can capture the difference without requiring XRP to rise or fall in value.
Cross-venue liquidity
Markets remain fragmented: XRP trades across centralised exchanges, DEXs, institutional venues and the XRP Ledger itself. Differences in liquidity, spreads, order-book depth, regional demand and settlement times can create short-lived discrepancies, which can be captured selectively while maintaining substantially offsetting XRP exposure.
XRPL liquidity operations
The XRP Ledger has both decentralised order books and AMMs. Pricing can periodically diverge between XRPL AMMs, XRPL order books, external exchanges and institutional OTC desks. Satisdo can provide or rebalance liquidity where economically attractive and capture the spread — with no directional price prediction involved.
Spread capture
A portion of revenue may come from providing liquidity around XRP markets — earning the difference between buying and selling prices rather than predicting where XRP trades tomorrow. Numerous small transactions can collectively generate revenue under tightly controlled net exposure.
Basis & dislocations
Spot and derivative markets do not always price XRP identically. Where appropriate, Satisdo may establish offsetting positions to capture temporary premiums or discounts while minimising directional exposure. No strategy has to be continuously deployed — capital can remain idle when suitable opportunities are unavailable.
Why only 1.6%?
Because XRPY is not designed to chase yield. Higher returns generally require accepting additional counterparty, leverage, credit, liquidity or market risk — XRPY takes the opposite approach. The rate is intentionally conservative: the objective is predictable, sustainable XRP-denominated yield rather than maximising short-term returns.
Revenue generated above what the program rate requires may be retained in a dedicated yield reserve, used to smooth holder distributions when underlying strategy revenue fluctuates. This separates what treasury operations earn in any individual period from the rate distributed to holders.
No directional XRP trading. Treasury activity is not built around predictions that XRP will rise or fall. Where trading strategies are employed, the objective is generally to maintain offsetting positions — capturing price discrepancies, market spreads, liquidity premiums and basis differences rather than speculating on XRP itself.
XRPY transforms otherwise idle XRP into a yield-bearing asset while maintaining a strategy focused on liquidity, market neutrality and capital preservation.
Capital management hierarchy
- 01Capital preservation
- 02Liquidity
- 03Counterparty diversification
- 04Yield
If an opportunity does not satisfy internal liquidity and risk requirements, Satisdo does not need to deploy capital simply to generate additional return. The relatively low rate reflects this philosophy.
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 |
| Operated by | Satisdo |
| Fees | None |
| Source of yield | Market-neutral arbitrage & liquidity operations — details |
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?
From market-neutral arbitrage, liquidity operations and treasury strategies conducted by Satisdo — capturing price differences for XRP across venues rather than betting on its price. Revenue above the 1.6% program rate may be retained in a yield reserve that can be used to smooth distributions. The full breakdown is in Source of yield.
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.