Yield
XRP on EarnPark
EarnPark pays 5.0 % APY on XRP (XRP) as a Flexible rate. On YieldScope EarnPark carries a safety grade of F, scored across five risk criteria. Below: where XRP earns more — and where it earns safer.
WhiteBIT B Yield source: Exchange Earn
Where else XRP earns
EarnPark pays 5.0 % on XRP. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| EarnPark (this page) | 5.0 % | Flexible | F |
 CoinDepo | 12 % | Flexible | F |
 YouHodler | 11 % | Flexible | F |
| WhiteBIT | 10.4 % | 🔒 30d lock | B |
 Nexo | 3.15 % | Flexible | C |
 HTX | 1.0 % | Flexible | C |
EarnPark is graded F. If safety matters more than a few extra basis points, Bitvavo Staking earns XRP at a higher grade (A).
Why EarnPark is graded F
Five binary safety criteria — each one passed or not. The more passed, the safer.
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Regulation
No licence from a financial regulator. The operating company is EarnPark Limited (British Virgin Islands, no. 2149760); the platform is owned by EarnPark Platform LLP (UK, OC442773). Both are company registrations. The SEC Form D it cites is a notice filing — EarnPark itself says it does not mean the SEC approved or supervises it. Source 1 → Source 2 →
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Proof-of-Reserves
Publishes its own reserve page with on-chain addresses and a Binance account statement, updated monthly — but no independent auditor or attestation: EarnPark says it "stands behind these figures directly". We count only independently checked proof of reserves. Source →
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Flexible withdrawal
No fixed lock: withdrawals are usually processed at once and can take up to 24 hours, because the funds are working inside strategies. Note that these are trading strategies (market making, DeFi), not a savings account — the principal is at risk (see the track record). Source →
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Insurance Fund
No named insurer or protection fund. After the 2025 and 2026 strategy losses EarnPark compensated clients in its own PARK token, not from an insurance fund. Source →
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Track record (2+ years incident-free)
Operating since July 2022, with two losses of client funds on its own record: a large part of the Delta Safe BTC position in October 2025, and about −30% on the Maker Core strategy in August 2026 after Binance force-closed positions. Both were compensated in PARK tokens. Source →
XRP rate history on EarnPark
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How XRP yields moved across exchanges
from 2026-05-25 to 2026-09-26
Among the 17 venues we have XRP history for, EarnPark currently sits at #4 by rate — with 4 days of our own daily snapshots behind that number.
Source: daily snapshots via exchange APIs
Your money, this pair
How much will you earn?
Method: monthly compounding (1 + APR/12)ⁿ, where APR is the exchange's stated rate. The realized 12-month return is slightly higher due to reinvestment. Rates may change. Not financial advice.
This is not an affiliate link. Price for you doesn't change.
How XRP earns on EarnPark
When you deposit XRP into EarnPark's earn product you receive 5.0 % APY as a Flexible rate. The platform puts the asset to work and shares the yield — your balance grows without you doing anything.
This is a base rate, not a promotional teaser: it's what an ordinary deposit actually earns. EarnPark carries a YieldScope safety grade of F, so weigh the yield against platform risk — a higher rate on a weaker grade is not automatically a better deal.
Rates on XRP move with lending demand and market conditions. We re-check them daily and keep a history, so you can see whether today's number is unusually high, unusually low, or steady.