Retail Users Positioned to Gain 20% Yield on XRP via Emerging Protocols

MoreMarkets Launches XRP Yield Product, Bringing DeFi Returns to Retail Investors

MoreMarkets has introduced a first-of-its-kind XRP Earn Account, offering retail investors a gateway to institutional-grade DeFi yield strategies while maintaining full custody of their tokens.

The platform enables users to deposit XRP into smart contract vaults, which then automatically allocate capital across a set of pre-vetted decentralized finance strategies. Users retain complete control over their assets, including real-time access and withdrawal functionality.

This marks a significant development for XRP, a top-tier cryptocurrency that has largely remained outside the on-chain yield economy dominated by Ethereum and Solana. MoreMarkets’ solution targets billions of dollars in dormant XRP by unlocking earning potential through DeFi.

“For too long, yield-generating strategies delivering 20% or more annually have been out of reach for individual investors,” said Altan Tutar, CEO and co-founder of MoreMarkets. “We’re combining the simplicity of fintech with the performance of decentralized finance to change that.”

The product leverages cross-chain infrastructure and token wrapping techniques—similar to WBTC and sETH—to make XRP compatible with a broader DeFi ecosystem. Security has been a key focus, with audits conducted by Halborn, Sherlock, and Sigma Prime.

MoreMarkets’ interface supports both wallet connection and email-based onboarding, ensuring a low-friction experience for users new to DeFi.

Looking ahead, the firm plans to expand its Earn Account model to support other digital assets and tokenized real-world instruments such as U.S. Treasuries and private credit pools. The ultimate vision: to create a global liquidity marketplace accessible to both retail and institutional capital.