Yield
XRP on Nexo
Nexo pays 3.75 % APY on XRP (XRP) as a Flexible rate. On YieldScope Nexo carries a safety grade of C, 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
Nexo pays 3.75 % on XRP. Here's how other venues compare — by rate and by safety.
| Venue | APY | Terms | Grade |
|---|---|---|---|
| Nexo (this page) | 3.75 % | Flexible | C |
 CoinDepo | 12 % | Flexible | F |
| WhiteBIT | 10.9 % | 🔒 30d lock | B |
 OKX Earn | 1.0 % | Flexible | B |
 Bybit Earn | 0.7 % | Flexible | C |
 MEXC Earn | 0.5 % | Flexible | C |
Nexo is graded C. If safety matters more than a few extra basis points, Bitget Earn earns XRP at a higher grade (A).
Why Nexo is graded C
Five binary safety criteria — each one passed or not. The more passed, the safer.
- ✗ Regulation
In January 2023 — SEC settlement of $45M over securities-law violations (the Earn Interest product was deemed an unregistered security). Source →
- ✓ Proof-of-Reserves
Publishes a daily Real-Time Attestation by Moore (replaced Armanino in late 2022). Reserves cover liabilities 100%+. Source →
- ✓ Flexible withdrawal
Flexible Earn is available for most assets. Fixed-term offers a higher rate but with a lock. Source 1 → Source 2 →
- ✓ Insurance Fund
$775M insurance via BitGo and Ledger Vault. Covers all hot-wallet assets. Source →
- ✗ Track record (2+ years incident-free)
SEC settlement January 2023 ($45M fine). Bulgarian authorities raided Nexo's Sofia offices in January 2023. Closed US products after regulatory pressure; relaunched in the US in February 2026 with a compliant framework via Bakkt. Source 1 → Source 2 → Source 3 →
XRP rate history on Nexo
Daily snapshots from YieldScope's rate sync. Hover to inspect any day.
How XRP yields moved across exchanges
from 2026-05-25 to 2026-07-17
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 Nexo
When you deposit XRP into Nexo's earn product you receive 3.75 % 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. Nexo carries a YieldScope safety grade of C, 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.