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Can an XRP Holder Earn Passive Income Natively on XRPL? Recent Test Shows Shocking Results
May 6, 2025
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XRP staking might not exist in the traditional sense, but one community voice has demonstrated that there’s still a way to earn yield natively on the XRPL. In a detailed case study posted on X, XRP community commentator “All Things XRP” documented an experiment to determine whether XRP holders can earn passive yield without leaving the XRP Ledger. The user aimed to answer the popular inquiry concerning staking and earning yield on idle XRP.
Since XRP doesn’t support native staking like Ethereum, the experiment focused on Doppler Finance. Notably, the platform offers DeFi yield strategies directly on the XRPL without the use of bridging or wrapped tokens. Intrigued by this possibility, “All Things XRP” decided to test it personally and share his results.
Setup and Strategy: CeDeFi on the XRP Ledger
Using the Xaman wallet, the analyst deposited 476 XRP into Doppler’s staking pool. The setup process took around 20 minutes, including wallet creation, funding, and connecting to the Doppler web app. Doppler doesn’t offer traditional staking rewards. Instead, it generates yield through two CeDeFi strategies: The first is XRP-neutral arbitrage, which takes advantage of exchange price differences without altering XRP exposure. Meanwhile, the second strategy includes spot–perpetual arbitrage, in which XRP is used as collateral to execute offsetting trades based on funding rate dynamics.
Notably, the platform measures rewards in Doppler Points (DP), issued at a rate of 0.01 DP per hour per $1 of deposited XRP. The long-term value of these points remains speculative. All Things XRP suggested they may serve governance purpose, access, or future token rewards.
Security and Custody
The user was initially cautious about the platform’s visibility but proceeded after reviewing Doppler’s documentation and security partners. Notably, Fireblocks and Ceffu (MirrorX) handle custody, managing user assets with institutional-grade protection. Essentially, this setup eliminates the need to rely on smart contracts or risky bridges, one of the major concerns when experimenting with newer platforms.
Real Results: 0.3990 XRP Earned in 9 Days
After nine days, the experiment yielded 0.3990 XRP, approximately $0.88 at an XRP price of $2.21. This translates to an annualized return of about 3.41%, placing it within Doppler’s advertised APR range of 3% to 4.5%. Withdrawals from Doppler take seven days to process due to a batch-based unstaking system.
Withdrawals & Accessing Your XRP
One thing that stood out: withdrawals take 7 days. There’s no instant unstaking. When you click “withdraw,” you enter a 168-hour waiting period. Doppler batches withdrawals daily—so depending on timing, it could be a bit over 7 days. This…
— All Things XRP (@XRP_investing) May 3, 2025
Not Huge, But It’s Honest Work
The community commentator described the yield as modest but legitimate, noting that the process was transparent, secure, and built entirely on XRPL infrastructure. The key takeaway is that it offers a way to earn passive yield on idle XRP without wrapping, bridging, or engaging in high-risk speculation. However, this exercise still relies on a third-party platform, which typically carries extra risk and does not provide the same experience as the actual native staking mechanism on networks like Ethereum. As a result, market participants should be cautious. The XRP community is already exploring native staking on the XRPL, with contributions from Ripple and Flare.
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