Despite the growing popularity of staking across the cryptocurrency landscape, XRP staking remains a misunderstood topic. Unlike many other digital assets, XRP cannot be staked directly on its native blockchain — the XRP Ledger (XRPL) — due to its unique consensus mechanism. However, that doesn’t mean you can’t grow your XRP holdings passively. In fact, several trusted platforms allow users to earn interest on their XRP through lending and yield-generating products.
This guide will clarify what XRP staking truly means in 2025, explore why on-chain staking isn’t possible, and provide actionable steps to earn passive income with your XRP using leading crypto platforms.
Why You Can't Stake XRP On-Chain
The XRP Ledger operates on the XRP Ledger Consensus Protocol (XRPLC), not a Proof-of-Stake (PoS) model. This means validators on the network aren’t required to lock up or "stake" XRP to participate in consensus. Instead, validators are selected based on a trusted validator list (UNL), and they reach agreement through a unique voting-based process.
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As a result, true on-chain staking of XRP is not supported. There’s no mechanism for users to delegate tokens or earn block rewards directly from the protocol. However, this hasn’t stopped investors from finding alternative ways to generate returns.
What Is XRP Staking? (And Why the Confusion?)
When people refer to "staking XRP," they’re usually talking about depositing XRP on centralized platforms in exchange for interest — more accurately described as crypto lending or yield-bearing accounts.
These services work by allowing platforms to lend your XRP to margin traders, institutional borrowers, or use it in internal operations. In return, you receive regular interest payments, often quoted as an Annual Percentage Yield (APY).
There are two main types of these products:
- Flexible Plans: Allow instant withdrawals with lower APYs.
- Fixed-Term Plans: Require locking XRP for a set period (e.g., 30–360 days) in exchange for higher returns.
While not staking in the traditional blockchain sense, these options fulfill the same goal: growing your crypto holdings over time without active trading.
Where Can You Earn Interest on XRP in 2025?
Although native staking isn’t available, multiple reputable platforms offer competitive rates for lending your XRP. Here are some of the top choices:
Binance – Flexible and Accessible Earnings
Binance’s Simple Earn platform offers one of the most user-friendly ways to earn interest on XRP.
- Flexible Plan: Up to 1.61% APY
- Minimum Deposit: Just 1 XRP (~$1.15)
- Payouts: Daily, credited to your Earn Wallet
- Withdrawals: Instant at any time
Binance also supports an Auto-Subscribe feature, which automatically puts idle XRP from your Spot Wallet into the earning pool — maximizing compounding potential.
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WhiteBIT – High-Yield Fixed Plans
WhiteBIT offers tiered fixed-term staking plans with significantly higher returns than flexible options.
- 30-Day Plan: Up to 1.01% APY
- 1-Year Plan: Up to 17.39% APY
- Minimum Deposit: 150 XRP
- Maximum Deposit: 1,150,000 XRP
These locked plans are ideal for long-term holders willing to sacrifice liquidity for better yields.
Nexo – Tiered Rewards Based on Loyalty
Nexo provides up to 7% APY on XRP, with potential boosts depending on your account tier:
- Base Tier (No NEXO required): 5% APY
- Platinum Tier (10% NEXO in portfolio): Up to 9% APY with fixed terms
Nexo supports both flexible and fixed-term lending, giving users control over liquidity versus return trade-offs.
YouHodler – High APYs Linked to Trading Activity
YouHodler rewards users based on account tier, determined by trading volume rather than token holdings.
- Basic Tier: 7% APY on XRP
- Higher Tiers: Up to 12% APY
This model benefits active traders who want to earn yield without being forced to hold a specific utility token.
Step-by-Step Guide: How to Earn Interest on XRP via Binance
Binance remains one of the most trusted and accessible platforms for generating passive income from XRP. Follow these steps to get started:
Step 1: Access the Simple Earn Dashboard
Log in to your Binance account and navigate to the "Finance" dropdown menu. Select "Simple Earn" to enter the yield platform.
Step 2: Search for XRP Products
Use the search bar to find XRP under available assets. Choose between Flexible and Locked products based on your preference for liquidity or higher returns.
Step 3: Set Your Deposit Amount
Enter the amount of XRP you’d like to allocate. Remember, even 1 XRP qualifies. You can enable Auto-Subscribe to automatically invest any new XRP deposited into your Spot Wallet.
Click "Subscribe" to confirm.
Step 4: Monitor and Manage Your Earnings
Once subscribed, your rewards begin accumulating immediately — down to the minute. Visit your Earn Wallet to track:
- Current APY
- Cumulative rewards
- Redemption options
To withdraw, simply click "Redeem" in the asset row. Funds typically arrive in your Spot Wallet within seconds.
Frequently Asked Questions (FAQ)
Is real staking possible with XRP?
No. The XRP Ledger does not use Proof-of-Stake, so on-chain staking is not supported. However, you can earn interest through centralized lending platforms like Binance and Nexo.
Can I stake XRP on Binance?
Yes — but not in the traditional sense. Binance allows you to deposit XRP into its Simple Earn program, where it’s used for margin loans or internal financing. In return, you earn daily interest with flexible access.
Does Ledger support XRP staking?
Not currently. Since the XRPL doesn’t support staking, hardware wallets like Ledger cannot facilitate it. However, Ledger still supports secure storage and management of XRP tokens.
Will Ripple ever introduce staking?
There are no official plans yet. Ripple has not announced intentions to switch to a PoS model or implement native staking. Any future developments would likely be announced through official XRPL channels.
Are XRP lending platforms safe?
Reputable platforms like Binance, Nexo, and YouHodler implement strong security measures, including cold storage and insurance funds. However, always conduct due diligence and consider diversifying across platforms.
How are staking rewards calculated?
Rewards are typically calculated hourly or daily based on your balance and the current APY. For example, 1.61% APY on 10,000 XRP yields approximately 161 XRP per year, paid incrementally.
Final Thoughts: Maximizing Your XRP Returns in 2025
While true staking isn’t possible on the XRP Ledger, investors have multiple viable paths to earn passive income on their holdings. Whether you prioritize flexibility, high yields, or loyalty benefits, platforms like Binance, WhiteBIT, Nexo, and YouHodler offer compelling solutions tailored to different needs.
As always, assess risk versus reward carefully. Centralized platforms carry counterparty risk, so only use trusted services and avoid depositing more than you’re comfortable with.
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By understanding the difference between native staking and platform-based yield programs, you can make informed decisions that align with your financial goals — all while staying ahead in the evolving world of digital asset growth.
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