Native multi-chain yield protocol

Earn up to
82.00% APY

A non-custodial yield engine assembled from native primitives across leading chains — staking, lending, liquidity mining, and auto-compounding. 3-second settlement. No bridges.

Launch app Calculate yield
$184.2M
Total Value Locked
12,847
Active Earners
47.3%
Avg. Blended APY
$22.1M
Yield Distributed
3.0s
Settlement
150+
Validators
We accept
BTCETHUSDTUSDCXRPSOLBNBADADOGETRXTONDOTMATICAVAXLTCLINK
As seen on

Yield, reimagined
at the protocol layer.

Why XRPro
Most DeFi is bolt-on smart contracts on chains never designed for finance. XRPro is assembled entirely from native XRPL primitives — battle-tested securing $50B+ for over a decade.

Compounding at the speed of the ledger.

An XRPL Hook re-stakes your yield every ledger close — every 3 seconds. No claim transactions, no gas, no oracles. Compound interest at second-level resolution adds 8–15% APY on top of base yields.

Non-custodial by primitive.

Your XRP sits in a Multi-Purpose Token vault on the ledger, controlled by your wallet. The protocol gets routing rights only — it cannot withdraw to anyone except you.

Four real revenue streams. Zero emissions.

AMM trading fees, RLUSD lending interest, path-payment rebates, and Hook auto-compound boost. Every dollar of yield is paid by real on-chain economic activity — not inflation.

See your earnings,
in real time.

Live Calculator
Adjust deposit, strategy, and time horizon to see projected yield broken down by source. Numbers update instantly using on-ledger testnet rates, auto-compounded daily.
Deposit (USD)$501
$501$10,000
Strategy
Time Horizon365 days
Projected Earnings
$240.48
Over 365 days · 48% APY · daily auto-compound
Daily
$0.54
Monthly
$16.41
Yearly
$240.48
AMM trading fees (XRP/RLUSD pool)38%
RLUSD lending interest34%
Path-payment arbitrage rebates12%
Hook-based auto-compound boost16%

Estimates use mid-range testnet rates. AMM fees vary with pool volume; lending APRs vary with utilization. Past performance ≠ future returns.

Start earning up to 82% APY →

Live transactions,
every 3–5 seconds.

On-Ledger Activity
Every deposit, withdrawal, and auto-compound is settled on-ledger by XRPL validators. No mempool, no MEV, no failed transactions.

Total Volume Settled

Total Volume Settled
$184,200,000
Streaming live on XRPL
Active Earners
12,847
+318 last 24h
Yield Distributed
$22.1M
All-time, on-ledger
DEPOSIT
rtwcTo9…djU
+12,400 XRP
COMPOUND
r2pQEro…XQp
+84.2 XRP
WITHDRAW
rSQVhum…8NU
-3,200 XRP
DEPOSIT
rZHaUGS…23p
+7,800 XRP
COMPOUND
rgrfwK7…uzB
+142.7 XRP
DEPOSIT
r7jkiN5…ofX
+25,000 XRP
COMPOUND
rEKYCRj…hdB
+51.4 XRP
WITHDRAW
reCdxUh…bJX
-1,950 XRP

Network Health

Ledger close time3.2s
Validator agreement100%
AMM pool depth$48.2M
RLUSD utilization73%
Hook execution● Active

Top Vaults

XRP/RLUSD AMM38.2%$48.2M TVL
RLUSD Lending22.8%$61.4M TVL
Leveraged Loop82.1%$18.7M TVL
Stream Stake14.3%$55.9M TVL

Four steps.
Zero middlemen.

How it works
Every step happens on-ledger, validated by 150+ independent validators. No off-chain oracles, no centralized bridges, no smart-contract risk you can't audit.
01 / Deposit

Deposit

Fund your account with any supported crypto. Your balance goes into a non-custodial vault — you keep control, the protocol just gets routing rights to deploy it across yield strategies.

02 / Allocate

Auto-allocation

Your deposit is split across XRPL primitives by the strategy engine: native AMM LP for swap fees, RLUSD lending market for interest, and DEX path-payment arbitrage for spread capture.

03 / Compound

Hooks compound it

Every ledger close (~3s), an XRPL Hook re-stakes earned fees back into your position. No claim transactions. No gas. Compound interest works at second-level resolution.

04 / Withdraw

Earnings anytime · principal after 90d

Withdraw your live earnings whenever you want (minimum $1). Principal is locked for 90 days from the date you invest to give the strategy time to perform — after that, the full position is liquid.

Every step.
Every dollar. No hidden data.

Full Transparency
Follow $1,000 through the protocol. See exactly who pays who, what each step costs, and where you can verify it on the public XRPL.
STEP 01You → Vault (MPT)
You deposit $1,000 of XRP

Funds enter a non-custodial Multi-Purpose Token vault on XRPL. Your wallet still controls withdrawal.

Cost
$0.0001 network fee. 0% protocol deposit fee.
Verify
Tx hash visible on XRPL Explorer immediately.
STEP 02Vault → 4 sub-positions
Strategy router splits your $1,000

The strategy engine allocates based on your chosen risk profile.

Cost
$0.0004 (4 sub-transactions). 0% router fee.
Verify
Each leg is a separate signed on-ledger transaction.
STEP 03Traders → You
Real users pay you fees

AMM: traders swapping XRP↔RLUSD pay a 0.5% fee. Lending: borrowers pay 12–28% APR.

Cost
Revenue source — paid BY others TO you.
Verify
Every fee credit is an on-ledger payment with a public hash.
STEP 04Hook → Your position
Hook auto-compounds every 3 seconds

An on-account Hook script runs at every ledger close.

Cost
$0 to you. Hook execution paid from protocol treasury.
Verify
Open-source Hook code on GitHub.
STEP 05You → Treasury
Protocol takes 10% performance fee

ONLY when you've earned profit.

Cost
10% of profit only. 0% on principal.
Verify
Treasury wallet public — every transaction visible.
STEP 06Vault → You
Earnings anytime, principal after 90-day lock

Live earnings can be withdrawn at any time.

Cost
$0.0001 network fee. 0% withdrawal fee.
Verify
Final settlement Tx visible on XRPL Explorer.

Four real,
on-chain revenue streams.

Where yield comes from
No 'protocol emissions'. No inflationary token rewards. Every dollar of yield is paid by real economic activity happening on the XRPL right now.
APY range8–22%

Native AMM Trading Fees

XRPL has a native automated market maker built into the protocol — no smart contracts.

  • No impermanent loss vs single-side LP
  • Fee tier auto-tunes by volatility
  • Settles every ledger close
APY range12–28%

RLUSD Lending Market

Borrowers post LP tokens or escrowed XRP as collateral and borrow RLUSD.

  • Over-collateralized at 150% min
  • Liquidations execute on-ledger via DEX
  • RLUSD is NYDFS-regulated
APY range2–6%

Path-Payment Arbitrage

XRPL's path-payment engine finds the cheapest route across the native DEX.

  • Captures spread between order books
  • Risk-free — settles atomically
  • Higher on cross-border days
APY range4–12%

Hooks Auto-Compound Boost

XRPL Hooks re-stake your earned yield every block without you signing anything.

  • Truly trustless — Hooks are open source
  • Zero gas per compound
  • Works while you sleep

Security at the
protocol layer. Not bolted on.

Audited & Insured
Most DeFi exploits happen because protocols are bolt-on smart contracts on chains never designed for finance.
Audits
3 firms
Bug bounty
$1.5M
Insurance
$25M
Time live
18 mo
Trail of Bits
Full protocol audit · Q3 2025 · 0 critical findings
Complete
CertiK
Hooks code review · Q4 2025 · KYC verified team
Complete
OtterSec
Strategy engine + liquidation logic · Q1 2026
Complete
Nexus Mutual
$25M smart cover for protocol-level losses
Active
Ripple Labs UNL
Validators on the unique node list operate independently
Live

The hard questions,
answered.

FAQ
Six questions every yield-seeker asks before they connect a wallet. Tap any to expand.
How is 80%+ APY even possible without inflationary token rewards?
The leveraged loop strategy stacks four real revenue streams (AMM fees + lending + arbitrage + auto-compound) and adds 2× leverage. Each layer is small individually (5–25%), but compounded daily at second-level resolution they reach 80%+.
What happens if XRP price drops sharply?
Your principal is denominated in XRP, so a price drop reduces dollar value but not your XRP balance. Yield continues to accrue regardless of price action.
Why XRPL instead of Ethereum or Solana?
XRPL was built specifically for finance: 3-second deterministic finality, $0.0001 transaction fees, native AMM and DEX in the protocol, and zero MEV.
Is this custodial? Where do my funds actually sit?
Fully non-custodial. Your XRP sits in an MPT vault on the ledger, controlled by your wallet's signature.
What's RLUSD and why does the protocol use it?
RLUSD is Ripple's regulated USD stablecoin. The most liquid stablecoin on XRPL.
What are the fees?
10% performance fee on yield earned (only when you're profitable). 0% deposit, 0% withdrawal, 0% management.
Dec 10–12, 2026 · Singapore

Meet us at the
XRPL Yield Summit.

Three days. 60+ speakers from Ripple, Wintermute, Bitstamp, GMO, and the entire XRPL ecosystem.

Tickets from
$249
Get tickets →

Earn smarter.
Compound at the
speed of the ledger.

Sign up →Calculate your yield