XRP DeFi Yields
The highest honest XRP yield right now is 73.34% on gmtrade (Solana), among 12 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
12 live pools above the $100K TVL floor · ranked by TVL
XRP's largest live pool is venus-core-pool on BSC at 0.51% ($5.91M TVL). 12 XRP pools across 4 chains clear this page's $100K TVL floor, $11.21M in total.
Your idle XRP could earn ~5.06% — park $4.7K and it could run a $20/mo Claude Pro subscription, forever.
See live XRP pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| venus-core-pool → | BSC | 0.51% | $5.91M |
| midas-rwa → | XRPL EVM | 2.21% | $855.3K |
| uniswap-v3 → | BSC | 33.27% | $502.7K |
| pancakeswap-amm → | BSC | 2.91% | $376.2K |
| vvs-standard → | Cronos | 4.05% | $318.3K |
| uniswap-v3 → | BSC | 13.70% | $134.1K |
| gmtrade → | Solana | 73.34% | $128.2K |
| uniswap-v3 → | BSC | 6.08% | $103.1K |
Rate stability from APY history
Based on APY history only, XRP's lower-variability candidates are midas-rwa (XRPL EVM), 2.21% APY, $855.3K TVL, https://www.defi.garden/?pool=54478c15-57c9-4d0f-bbf5-1ea33b027423&src=seo_token; venus-core-pool (BSC), 0.51% APY, $5.91M TVL, https://www.defi.garden/?pool=0204c8ff-0805-4515-a27e-742d23a15719&src=seo_token; pancakeswap-amm (BSC), 2.91% APY, $376.2K TVL, https://www.defi.garden/?pool=c279bec9-4f14-4d9d-8543-50aa2758c9b3&src=seo_token; uniswap-v3 (BSC), 6.08% APY, $103.1K TVL, https://www.defi.garden/?pool=507f955a-fa25-4106-a963-e1e552546fac&src=seo_token; vvs-standard (Cronos), 4.05% APY, $318.3K TVL, https://www.defi.garden/?pool=980baf38-bcaa-43b6-89a6-279ed6740add&src=seo_token; gmtrade (Solana), 73.34% APY, $128.2K TVL, https://www.defi.garden/?pool=7a0f46c7-e8ad-47bf-b5d0-80fb9ed249f1&src=seo_token; uniswap-v3 (BSC), 13.70% APY, $134.1K TVL, https://www.defi.garden/?pool=96da613c-8ae3-49b3-98a7-613e924fcd56&src=seo_token; uniswap-v3 (BSC), 33.27% APY, $502.7K 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% | $855.3K |
| 2 | venus-core-pool → | BSC | 0.51% | $5.91M |
| 3 | pancakeswap-amm → | BSC | 2.91% | $376.2K |
| 4 | uniswap-v3 → | BSC | 6.08% | $103.1K |
| 5 | vvs-standard → | Cronos | 4.05% | $318.3K |
| 6 | gmtrade → | Solana | 73.34% | $128.2K |
| 7 | uniswap-v3 → | BSC | 13.70% | $134.1K |
| 8 | uniswap-v3 → | BSC | 33.27% | $502.7K |
How this rate has behaved
XRP shows up in 8 pools here, with rates from 0.51% to 73.34% 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 13.71% — 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 | 0.51% | 0.52% | Base rate |
| midas-rwa | 2.21% | 2.21% | Base rate |
| uniswap-v3 | 33.27% | 42.37% | Base rate |
| pancakeswap-amm | 2.91% | 5.73% | Base rate |
| vvs-standard | 4.05% | 7.18% | Base rate |
| uniswap-v3 | 13.70% | 29.28% | Base rate |
| gmtrade | 73.34% | 85.86% | Base rate |
| uniswap-v3 | 6.08% | 20.24% | 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?
73.34% APY on gmtrade (Solana), based on live DefiLlama data.
How many XRP pools clear the TVL floor?
12 live pools clear this page's $100K TVL floor, $11.21M 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, $855.3K TVL, https://www.defi.garden/?pool=54478c15-57c9-4d0f-bbf5-1ea33b027423&src=seo_token; venus-core-pool (BSC), 0.51% APY, $5.91M TVL, https://www.defi.garden/?pool=0204c8ff-0805-4515-a27e-742d23a15719&src=seo_token; pancakeswap-amm (BSC), 2.91% APY, $376.2K TVL, https://www.defi.garden/?pool=c279bec9-4f14-4d9d-8543-50aa2758c9b3&src=seo_token; uniswap-v3 (BSC), 6.08% APY, $103.1K TVL, https://www.defi.garden/?pool=507f955a-fa25-4106-a963-e1e552546fac&src=seo_token; vvs-standard (Cronos), 4.05% APY, $318.3K TVL, https://www.defi.garden/?pool=980baf38-bcaa-43b6-89a6-279ed6740add&src=seo_token; gmtrade (Solana), 73.34% APY, $128.2K TVL, https://www.defi.garden/?pool=7a0f46c7-e8ad-47bf-b5d0-80fb9ed249f1&src=seo_token; uniswap-v3 (BSC), 13.70% APY, $134.1K TVL, https://www.defi.garden/?pool=96da613c-8ae3-49b3-98a7-613e924fcd56&src=seo_token; uniswap-v3 (BSC), 33.27% APY, $502.7K 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 September 2, 2026
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