赚取 XRP (XRP) 利息，最高 8.25%。

No. The XRP Ledger does not use proof-of-stake consensus, so XRP cannot be staked in the way that assets like Ethereum or Solana can. The network is secured through a consensus protocol among a set of trusted validators, and it does not distribute staking rewards to token holders. However, you can earn interest on XRP through third-party platforms. On Nexo, XRP holders can earn daily compounding interest through Flexible Savings or Fixed-term Savings without needing to run a validator or lock tokens into a staking contract.

Transfer or buy XRP on Nexo and enable Savings in your account settings. Your XRP begins accruing interest after 24 hours. Interest is calculated daily and added to your Savings Wallet, where it compounds automatically — each payout contributes to future interest calculations. You can choose Flexible Savings, which keeps your XRP accessible at all times, or Fixed-term Savings, which commits your XRP for a set period in exchange for a higher rate. Your applicable rate depends on your Loyalty Tier and whether you opt to receive interest in NEXO Tokens.

XRP interest rates on Nexo vary by Loyalty Tier and Savings product. Flexible Savings offers daily payouts with no lock-up, while Fixed-term Savings offers higher rates for a committed duration. Rates are subject to change based on market conditions and platform terms. Check the rates table on this page or in the Nexo app for the most current figures applicable to your account.

Not with Flexible Savings — your XRP remains fully accessible and you can withdraw, trade, or transfer it at any time without penalty. Fixed-term Savings involves a commitment period that you select when creating the term. In exchange, Fixed-term typically offers a higher rate. You can use both products simultaneously across your XRP balance.