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Crypto

XRP Holders Turn to Lending Amid Lack of Native Staking Rewards

Guavy AI Editorial Team
Instruments
ETH SOL XRP LUSD
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XRP does not support native staking, unlike other cryptocurrencies such as Ethereum and Solana. However, XRP holders can explore lending options through platforms like LendProtocol to earn a fixed 12% APR with daily payouts and no lock-up.

The XRP Ledger uses a non-staking consensus model called Federated Byzantine Agreement (fBFT), where trusted validators agree on transactions without locking any tokens. Validators earn nothing, and holding XRP earns nothing.

LendProtocol is a fixed-rate lending platform that offers 12% APR on XRP and RLUSD deposits with daily payouts and no lock-up. The platform assumes the risk if a borrower defaults, and depositors are fully insulated from default risk.

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