11 products · 7 platforms
Where to earn yield on XRP
Compare exchange Earn products for XRP by the rate available for your deposit, the reward asset and redemption time. The XRP Ledger confirms transactions without Participating in a network with coins allocated to block validation. You can run your own validator or participate through a selected validator or service. Rewards are earned for following the network’s rules. XRP; deposits and Earn rewards here are managed by the selected platform.
Compare for your amount and time period
Calculation: amount × (annual rate / 100) × days / 365. The rate is held constant, without reinvestment. Any stated redemption time is additional to the selected days earning income. Income and transfer fees are shown separately.
Products for 1 000 XRP: 30 days earning income
| Platform and product | Annual rate | Income over 30 earning days | Term and redemption | Deposit amount | Terms and history |
|---|---|---|---|---|---|
| OKX Flexible savings | 1% | 0.82191781 XRP |
No fixed term |
Terms and history Open exchange | |
| Bybit Flexible savings | 0.7% | 0.57534247 XRP |
No fixed term |
From 10 XRP Up to 2 000 000 XRP Available capacity: 95 531 866.605968 |
Terms and history Open exchange |
| Bitget Flexible savings | 0.36% | 0.29589041 XRP |
No fixed term |
Up to 2 000 000 XRP |
Terms and history Open exchange |
| Gate.io Flexible savings | 0.15% | 0.12328767 XRP |
No fixed term |
From 2 XRP |
Terms and history Open exchange |
| Gate.io Fixed-term savings | 0.13% | 0.10684932 XRP |
Fixed term: 30 days |
From 2 XRP |
Terms and history Open exchange |
| Binance Flexible savings | 0.0431% | 0.03542466 XRP |
No fixed term |
From 1 XRP |
Terms and history Open exchange |
| BingX Flexible savings | By deposit tier | The rate depends on the deposit amount |
No fixed term |
Terms and history Open exchange | |
| Gate.io Position held in GTXRP | 0.04% | Earnings accrue in the GTXRP conversion rate |
No fixed term Redemption to exchange balance: 3 days Rewards are included in the amount of XRP you receive when redeeming GTXRP. |
From 1 XRP |
Terms and history Open exchange |
| Gate.io Fixed-term savings | 0.14% | Select the product’s fixed term to calculate income |
Fixed term: 7 days |
From 2 XRP |
Terms and history Open exchange |
| Gate.io Fixed-term savings | 0.14% | Select the product’s fixed term to calculate income |
Fixed term: 14 days |
From 2 XRP |
Terms and history Open exchange |
| MEXC Flexible savings | By deposit tier | The rate depends on the deposit amount |
No fixed term |
From 10 XRP Up to 5 000 000 XRP |
Terms and history Open exchange |
Gate.io: how the product works
Fixed-term savings
- Deposit asset
- XRP
- Reward asset
- XRP
- Access and custody
- Through an exchange account; assets held by the exchange
Fixed term: 30 days
Withdraw from Gate.io after redemption
| Network | Transfer fee | Income minus transfer fee |
|---|---|---|
| XRP Ledger Minimum withdrawal: 2 XRP Updated 18.10.2026 09:07 MSK | 0.0369 XRP | 0.06994932 XRP |
The last column subtracts one withdrawal fee from the calculated income. Token purchase and deposit costs are excluded.
Rate history for the selected product
Gate.io · Fixed-term savings
The chart shows this product’s daily maximum annual rate. 91 days with data between 20.07.2026 and 18.10.2026.
- Latest daily maximum
- 0.13%
- 18.10.2026
- Period high
- 0.39%
- 20.07.2026
- Period low
- 0.08%
- 05.09.2026
How to redeem XRP and withdraw to a wallet
- Open the selected product in the exchange’s Earn section and request redemption.
- Redeemed tokens return to your exchange balance. Any stated redemption time applies to this step.
- To transfer to a wallet, select the same network on the exchange and in the receiving wallet. The withdrawal fee is charged separately.