Best XRP earn rates today
10 XRP (XRP) savings and staking offers from 7 platforms, ranked by rate. Flexible and fixed-term offers are listed separately.
Updated Oct 14, 2026
Best flexible
5.00% APR
MEXC · Flexible Savings · Flexible
Best fixed term
0.15% APR
Gate · Fixed Earn · 14-day
Flexible XRP savings
Withdraw at any time.
| Platform | APR / APY | Product | Term | Conditions | Action |
|---|---|---|---|---|---|
MEXC | 5.00%APR Promo | Flexible Savings | Flexible | Up to 100 XRP: 5% APRAbove 100: 0.3% APR | View offer |
OKX | 1.00%APR | Simple Earn | Flexible | Any amount | View offer |
Bybit | 0.70%APR | Flexible Savings | Flexible | Any amount | View offer |
Bitget | 0.36%APR | Savings | Flexible | Up to 2M XRP | View offer |
Gate | 0.16%APR | Simple Earn | Flexible | Any amount | View offer |
Binance | 0.07%APR | Simple Earn | Flexible | Any amount | View offer |
KuCoin | 0.02%APR | Simple Earn | Flexible | Any amount | View offer |
Fixed-term XRP savings
Locked for the term shown.
| Platform | APR / APY | Product | Term | Conditions | Action |
|---|---|---|---|---|---|
Gate | 0.15%APR | Fixed Earn | 14-day | Any amount | View offer |
Gate | 0.15%APR | Fixed Earn | 7-day | Any amount | View offer |
Gate | 0.13%APR | Fixed Earn | 30-day | Any amount | View offer |
Rates are collected once a day from each platform's public data and can change at any time; boosted rates usually apply to a limited amount. "View offer" buttons are referral links: we may earn a commission, which never changes the ranking. Not financial advice.
XRP earn rates: common questions
What is the best XRP earn rate today?
As of Oct 14, 2026, the best flexible XRP rate is 5.00% APR on MEXC, and the best fixed-term rate is 0.15% APR on Gate for 14-day. Boosted rates often apply only to a limited amount, so check the conditions column before depositing.
Should I choose flexible or fixed-term XRP savings?
Flexible products let you withdraw at any time, and the rate can change daily. Fixed terms lock your XRP for a set number of days, often for a higher rate, but you usually can't withdraw early without losing the interest.
How often are these rates updated?
Every day. We read each platform's published XRP earn rates automatically; a few platforms that only show rates to signed-in users are checked by hand and marked with the date we checked them.
What is the difference between APR and APY?
APR is the simple yearly rate. APY includes compounding, the interest earned on your interest, so the same number quoted as APY pays slightly less than the same number as APR. Most exchanges quote APR; DeFi protocols such as Aave usually quote APY.