Lend · Borrow · P2P · Flash Loans · XRP Ledger

Your XRP. Working for You. The complete XRP DeFi lending protocol on XRPL

XRPBorrow is the most complete lending and borrowing protocol on XRP Ledger — earn yield by lending XRP, borrow against collateral, access P2P loans, and use instant flash loans. Non-custodial. Audited. Always on-chain.

Lend XRP
Borrow vs XRP
P2P Loans
Flash Loans
RLUSD
Multi-Asset
💧Borrow
📈Lend
🤝P2P
⚡Flash
Collateral Asset MAX 10,000 XRP
≈ $0.00
XRP
XRP ▾
You Borrow
≈ $0.00
USDT
USDT ▾
XRPBORROW · NON-CUSTODIAL · MPC SECURED · XRPL NATIVE
You Supply MAX 10,000 XRP
≈ $0.00
XRP
XRP ▾
Current Lend APY6.8%
30d Avg APY7.1%
Pool Utilization78%
Your Daily Earnings—
Your Annual Earnings—
Withdraw AnytimeYes ✓
XRPBORROW · EARN XRP YIELD · WITHDRAW ANYTIME
Live P2P Offers · XRP Ledger
Lender #1
rH2kLq...4mX9P
Amount
5,000 XRP
3.8%
30-day APR
Lender #2
rT9wQz...8kR3L
Amount
12,500 XRP
4.1%
60-day APR
Lender #3
rX4mPn...2jW7A
Amount
28,000 XRP
4.5%
90-day APR
XRPBORROW P2P · DIRECT XRPL SETTLEMENT · NO INTERMEDIARIES
⚡ What are Flash Loans?
Borrow any amount from the pool within a single XRPL transaction. No collateral needed — just repay principal + fee within the same tx. Used for arbitrage, liquidations, and collateral swaps.
Flash Loan Amount
≈ $0.00
XRP
XRP ▾
XRPBORROW FLASH · 0.09% FEE · SAME-TX REPAYMENT
$284M
Total Value Locked
↑ 9.4% 7D
6.8%
Best Lend APY
XRP Supply Rate
$1.2B
Total Loans Issued
↑ 14.2% 30D
0.09%
Flash Loan Fee
Lowest on XRPL
4,820
Active Borrowers
↑ 22% month
// LENDING MARKETS

Borrow & Lend.
Any XRPL Asset.

Real-time rates across all supported XRP Ledger assets.

Asset
Lend APY
Borrow APR
LTV
Utilization
XRP
XRP
XRP · XRPL Native
6.8%
4.2%
75%
78%
RLUSD
RLUSD
Ripple USD · Stablecoin
5.1%
6.4%
90%
65%
USDT
USDT
Tether · Stablecoin
4.9%
6.2%
90%
58%
USDC
USDC
USD Coin · Stablecoin
4.7%
6.0%
90%
51%
wXRP
wXRP
Wrapped XRP · Multi-chain
5.4%
4.8%
70%
44%
// PROTOCOL FEATURES

Four Ways to
Use Your XRP.

💧
Collateralized Borrowing
Deposit XRP as collateral and borrow USDT, RLUSD, USDC, or other XRPL assets. Up to 75% LTV. Keep XRP exposure while accessing liquidity without selling.
4.2%
Borrow APR · XRP collateral
📈
XRP Yield Lending
Supply XRP, RLUSD, USDT, or USDC to earn real yield from borrowers. Up to 6.8% APY on XRP. Withdraw any time — no lockup, no waiting, instant XRPL settlement.
6.8%
Best XRP Lend APY
🤝
P2P XRP Lending
Connect directly with XRP lenders on the XRPL order book. Set your own rates and terms. Post offers or take existing P2P loans — fully trustless, settled natively on XRP Ledger.
3.8%
Best P2P offer rate
⚡
XRP Flash Loans
Borrow up to 2,000,000 XRP in a single XRPL transaction with no collateral. Repay principal + 0.09% fee within the same transaction. Built for arbitrage, liquidations, and collateral swaps.
0.09%
Flash loan fee · per tx
// LIVE ACTIVITY

Real-time Loan Feed

Type
Tx Hash
Amount
Asset
Time
// LIVE RATES

Current APR/APY

Live Rates UPDATING
XRP Lend APY6.8%
XRP Borrow APR4.2%
RLUSD Lend APY5.1%
P2P Best Rate3.8%
Flash Loan Fee0.09%
// SECURITY FIRST

Your XRP.
Always Safe.

XRPBorrow is fully non-custodial and built on XRP Ledger's battle-tested native escrow. No admin keys. No rug vectors. Liquidations are automatic and transparent.

🔐
Non-Custodial XRPL Escrow
All collateral is held in XRPL-native escrow contracts — not in multisigs, not in bridges. Your XRP never leaves the XRP Ledger during collateralized loans.
📊
Transparent Liquidation Engine
Liquidations are fully on-chain and auditable. Borrowers receive 5% liquidation bonus protection, and all parameters are set by XRPB governance.
⚡
XRPL 3-5s Finality
Flash loans, repayments, and collateral withdrawals settle in a single XRPL transaction — 3-5 second finality, zero bridge risk, zero re-org exposure.
🛡️
$3M Bug Bounty Program
Largest bug bounty in XRPL DeFi. Security researchers worldwide are incentivized to find and responsibly disclose any vulnerabilities before they can be exploited.
🛡️ Audit Reports
CertiK Security
Mar 2024
PASSED
PeckShield
May 2024
PASSED
Hacken
Jul 2024
PASSED
Trail of Bits
Oct 2024
PASSED
$284M
XRP locked · zero incidents
// FAQ

Common Questions

What is XRPBorrow? +
XRPBorrow is the most complete DeFi lending and borrowing protocol on XRP Ledger. It offers four products: collateralized borrowing (borrow against XRP at 75% LTV), yield lending (earn up to 6.8% APY), P2P lending (direct XRPL order-book loans), and flash loans (no-collateral same-transaction borrowing up to 2M XRP).
How do I borrow against XRP? +
Connect your XRPL wallet (XUMM, Crossmark, or GemWallet), deposit XRP as collateral, and borrow up to 75% LTV in USDT, RLUSD, USDC, or other XRPL assets. Current borrow APR is 4.2% for XRP-collateralized loans. You can repay at any time and withdraw your collateral instantly via XRPL's native escrow.
How much can I earn by lending XRP? +
XRP lenders currently earn 6.8% APY, paid continuously in XRP. This rate is variable and adjusts based on pool utilization (currently 78%). RLUSD lenders earn 5.1% APY. Stablecoin lenders (USDT, USDC) earn 4.7–4.9% APY. You can withdraw at any time with no lockup period.
What are XRP flash loans? +
Flash loans let you borrow up to 2,000,000 XRP within a single XRPL transaction with no collateral. You must repay the principal plus a 0.09% fee within the same transaction. If repayment fails, the entire transaction reverts. Flash loans are used by developers for XRP arbitrage, liquidating underwater positions, and collateral swaps.
How does P2P XRP lending work? +
P2P lending connects XRP lenders and borrowers directly through the XRPL native order book. Lenders post offers with their desired rate and term (30/60/90 days). Borrowers browse and accept offers directly. Settlement is on-chain via XRPL escrow — no intermediary holds your funds at any point.
What happens if my position gets liquidated? +
If your health factor falls below 1.0 (LTV exceeds 75% threshold), your position can be liquidated. Liquidators repay your debt and receive your collateral at a 5% discount. You keep the borrowed funds. Liquidations are transparent, on-chain, and automatic. You can add collateral at any time to avoid liquidation.

Put Your XRP to Work.

Lend at 6.8% APY. Borrow at 4.2% APR. P2P rates from 3.8%. Flash loans at 0.09%. All on XRP Ledger — native, fast, secure.