Chains / Dossier · № 011

XRPL

XRPL doesn't have native staking. Liquid staking and DeFi alternatives further down still let you earn yield.

Native staking Not available

XRPL uses Proof-of-Work — there is nothing to stake natively. See DeFi alternatives below.

Earn yield · DeFi options

How to earn yield on

Since XRPL doesn't have native staking, the way to earn on is through DeFi pools — either by lending it, providing liquidity, or wrapping it onto a chain that does support staking. DeFi adds smart-contract and (for LP) impermanent-loss risk.

farming Ondo Yield Assets

ondo-yield-assets - OUSG

Yield

3.48%

Pool size

$323Million

lending Openeden Tbill

openeden-tbill - TBL

Yield

3.52%

Pool size

$62Million

⌕

Filter

3 pools

Pool	Protocol	Type	Yield	Pool size ↓
OU ondo-yield-assets - OUSG OUSG	ON Ondo Yield Assets	farming	3.48%	$323Million	→
TB openeden-tbill - TBL TBL	OP Openeden Tbill	lending	3.52%	$62Million	→
thorchain-dex - XRP-RUNE XRP · RUNE	TH Thorchain Dex	lp	0.0%	$1.07Million	→

Read up before you stake

Background reading on XRPL staking

Guide

What is staking?

The plain-English version: how locking your tokens earns you new tokens, and why the network pays you to do it.

Read the guide →

Guide

How blockchains differ from each other

Why Solana, Ethereum, and Cosmos chains pay different rates and why their security models differ.

Read the guide →

Guide

What does a validator actually do?

Validators run the chain. Pick a healthy one and your rewards arrive on schedule; pick a bad one and you can lose part of your stake.

Read the guide →

Frequently asked

What people ask about XRPL staking

What does staking on XRPL mean?

Staking on XRPL means locking your with a validator that helps run the network. In return, the network pays you a share of newly created tokens — similar to how a savings account pays interest, but the rate is set by the protocol, not a bank.

How much can I earn?

Right now the top validators on XRPL pay varies by validator per year, after their commission. The rate moves with the chain's inflation schedule and how much of the supply is staked overall.

Is staking safe?

Your tokens stay in your wallet — you never hand them over. The two real risks are slashing (the network can shrink your balance if your validator misbehaves, which is rare) and lock-up (you can't sell instantly during the unbonding period). Pick a validator with a track record and you sidestep most of the risk.

Can I unstake whenever I want?

Yes, but unstaking is not instant. Most chains have an unbonding period of a few days to a few weeks during which you don't earn rewards and can't sell. Liquid-staking tokens (like stETH for Ethereum) sidestep this by giving you a tradeable receipt token.

What wallet do I need?

Any non-custodial wallet that supports XRPL works — Phantom or Solflare for Solana, Keplr for Cosmos chains, MetaMask for Ethereum and EVM chains, Yoroi or Eternl for Cardano. Connect, choose a validator, click delegate. The whole flow takes a couple of minutes.

Terms used on this page

See every term →