XRP DeFi Yields
The highest honest XRP yield right now is 2.74% on raydium-amm (Solana), among 13 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
13 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
XRP's largest live pool is venus-core-pool on BSC at 0.05% ($8.16M TVL). 13 XRP pools across 6 chains clear this page's $100K TVL floor, $13.15M in total.
Your idle XRP could earn ~1.90% — park $12.6K and it could run a $20/mo Claude Pro subscription, forever.
See live XRP pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| venus-core-pool → | BSC | 0.05% | $8.16M |
| midas-rwa → | XRPL EVM | 2.21% | $804.4K |
| uniswap-v3 → | BSC | 17.28% | $435.2K |
| pancakeswap-amm → | BSC | 1.59% | $377.8K |
| vvs-standard → | Cronos | 1.28% | $316.5K |
| uniswap-v3 → | BSC | 4.25% | $139.6K |
| raydium-amm → | Solana | 2.74% | $134.4K |
| gmx-solana → | Solana | 0.14% | $120.4K |
Rate stability from APY history
Based on APY history only, XRP's lower-variability candidates are midas-rwa (XRPL EVM), 2.21% APY, $804.4K TVL, https://www.defi.garden/?pool=54478c15-57c9-4d0f-bbf5-1ea33b027423#src=seo_token; venus-core-pool (BSC), 0.05% APY, $8.16M TVL, https://www.defi.garden/?pool=0204c8ff-0805-4515-a27e-742d23a15719#src=seo_token; pancakeswap-amm (BSC), 1.59% APY, $377.8K TVL, https://www.defi.garden/?pool=c279bec9-4f14-4d9d-8543-50aa2758c9b3#src=seo_token; vvs-standard (Cronos), 1.28% APY, $316.5K TVL, https://www.defi.garden/?pool=980baf38-bcaa-43b6-89a6-279ed6740add#src=seo_token; raydium-amm (Solana), 2.74% APY, $134.4K TVL, https://www.defi.garden/?pool=b0563bfc-20f5-41cd-a411-5d2f5c3d3a29#src=seo_token; gmx-solana (Solana), 0.14% APY, $120.4K TVL, https://www.defi.garden/?pool=7a0f46c7-e8ad-47bf-b5d0-80fb9ed249f1#src=seo_token; uniswap-v3 (BSC), 4.25% APY, $139.6K TVL, https://www.defi.garden/?pool=96da613c-8ae3-49b3-98a7-613e924fcd56#src=seo_token; uniswap-v3 (BSC), 17.28% APY, $435.2K TVL, https://www.defi.garden/?pool=e8d19139-6a5c-4e51-b3f5-a4230b65a871#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | midas-rwa → | XRPL EVM | 2.21% | $804.4K |
| 2 | venus-core-pool → | BSC | 0.05% | $8.16M |
| 3 | pancakeswap-amm → | BSC | 1.59% | $377.8K |
| 4 | vvs-standard → | Cronos | 1.28% | $316.5K |
| 5 | raydium-amm → | Solana | 2.74% | $134.4K |
| 6 | gmx-solana → | Solana | 0.14% | $120.4K |
| 7 | uniswap-v3 → | BSC | 4.25% | $139.6K |
| 8 | uniswap-v3 → | BSC | 17.28% | $435.2K |
How this rate has behaved
XRP shows up in 8 pools here, with rates from 0.05% to 17.28% APY across 4 chains — the rate depends on which protocol and chain you pick, not just the token.
8 of these 8 pools have a trustworthy 30-day average on file, with a median of 4.17% — a useful check against today's number for whether the rate is steady or just having a good day.
All 8 pools pay a plain base rate right now — no incentive or reward APY mixed in.
6 of 8 pools carry impermanent-loss risk, meaning a two-sided position can lose value against just holding, even while it earns yield.
| Protocol | APY | 30d Mean APY | Yield mix |
|---|---|---|---|
| venus-core-pool | 0.05% | 0.30% | Base rate |
| midas-rwa | 2.21% | 2.21% | Base rate |
| uniswap-v3 | 17.28% | 38.77% | Base rate |
| pancakeswap-amm | 1.59% | 4.08% | Base rate |
| vvs-standard | 1.28% | 4.26% | Base rate |
| uniswap-v3 | 4.25% | 14.44% | Base rate |
| raydium-amm | 2.74% | 2.23% | Base rate |
| gmx-solana | 0.14% | 13.63% | Base rate |
The 30-day average comes straight from DefiLlama and only appears when it passes the same sanity rail as every other number on this page — a dash means it didn't clear that bar, not that it's being hidden. Every pool here already clears a $100K minimum TVL. Rates move daily, so treat this as a snapshot, not a promise.
Frequently asked questions
What's the highest XRP yield today?
2.74% APY on raydium-amm (Solana), based on live DefiLlama data.
How many XRP pools clear the TVL floor?
13 live pools clear this page's $100K TVL floor, $13.15M in total.
Are these rates safe?
Pools listed on this page clear a $100K minimum TVL and exclude anomalous (>1000% APY) rates — that is this page's listing bar, not a safety guarantee. This is education, not financial advice; DeFi carries smart-contract and market risk regardless of the rate shown.
Which XRP pools have the most stable APY history?
Based on APY history only, XRP's lower-variability candidates are midas-rwa (XRPL EVM), 2.21% APY, $804.4K TVL, https://www.defi.garden/?pool=54478c15-57c9-4d0f-bbf5-1ea33b027423#src=seo_token; venus-core-pool (BSC), 0.05% APY, $8.16M TVL, https://www.defi.garden/?pool=0204c8ff-0805-4515-a27e-742d23a15719#src=seo_token; pancakeswap-amm (BSC), 1.59% APY, $377.8K TVL, https://www.defi.garden/?pool=c279bec9-4f14-4d9d-8543-50aa2758c9b3#src=seo_token; vvs-standard (Cronos), 1.28% APY, $316.5K TVL, https://www.defi.garden/?pool=980baf38-bcaa-43b6-89a6-279ed6740add#src=seo_token; raydium-amm (Solana), 2.74% APY, $134.4K TVL, https://www.defi.garden/?pool=b0563bfc-20f5-41cd-a411-5d2f5c3d3a29#src=seo_token; gmx-solana (Solana), 0.14% APY, $120.4K TVL, https://www.defi.garden/?pool=7a0f46c7-e8ad-47bf-b5d0-80fb9ed249f1#src=seo_token; uniswap-v3 (BSC), 4.25% APY, $139.6K TVL, https://www.defi.garden/?pool=96da613c-8ae3-49b3-98a7-613e924fcd56#src=seo_token; uniswap-v3 (BSC), 17.28% APY, $435.2K TVL, https://www.defi.garden/?pool=e8d19139-6a5c-4e51-b3f5-a4230b65a871#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
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Yields are live from DefiLlama. Pools on this page clear a $100K minimum TVL and exclude anomalous rates — that's this page's listing bar, not a safety guarantee. Education only, not financial advice.
Last updated October 18, 2026
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