1. Buy, transfer, or swap into XRP
Transfer, buy via card, or swap other digital assets for XRP between July 22, 9:00 UTC, and August 4, 2025, 20:59 UTC. You’ll need to reach in-kind holdings of 1,000 XRP or more to qualify. Internal transfers from friends do not qualify for the reward.
2. Lock in your balance
On August 4, 2025, 20:59 UTC, your final XRP balance is captured. The snapshot is based on the positive net balance* of your XRP holdings. That’s the basis for your 5% XRP reward.
3. Hold until November 3
From August 4, 2025, 21:00 UTC to November 3, 2025, 20:59 UTC, you must maintain your entire XRP balance. Throughout this period, you’ll be earning up to 12% annual interest on the XRP holdings.
4. Receive your reward
Eligible clients will get their 5% back in XRP in a single payout directly to their Nexo Savings Wallet by November 10, 2025.