MoreMarkets Launches XRP Yield Platform for Retail Investors, Targets Billions in Idle Capital

DeFi protocol MoreMarkets has introduced an “XRP Earn Account,” enabling retail holders of XRP to earn yield via automated, on-chain strategies—bringing institutional-grade opportunities to individual investors.

The product routes XRP deposits into smart contract vaults that deploy funds across curated and vetted DeFi strategies, while allowing users to maintain full control over their assets, including access and withdrawals. This marks a significant innovation for the XRP ecosystem, which has traditionally lacked native staking or yield-generating infrastructure.

“Fintech has offered comfort, but DeFi offers returns. Our goal is to merge the two,” said Altan Tutar, CEO and co-founder of MoreMarkets. “Retail investors have long been excluded from high-yield opportunities—some exceeding 20% annually—that have been exclusive to institutions and hedge funds.”

MoreMarkets’ XRP Earn Account addresses that imbalance by tapping into the vast pool of dormant XRP holdings, which remain one of the most underutilized capital sources in crypto. XRP, despite ranking among the largest digital assets by market cap, has largely been absent from Ethereum- and Solana-based yield ecosystems.

Security and transparency are central to the platform’s design. The protocol has undergone comprehensive audits by Halborn, Sherlock, and Sigma Prime. Onboarding is streamlined, with users able to access services via wallet connection or email login.

The platform uses cross-chain infrastructure and asset wrapping—similar to protocols like WBTC and sETH—to enable XRP participation in non-native DeFi environments.

Looking ahead, MoreMarkets plans to expand its Earn Account framework to other crypto assets and real-world yield products, including tokenized treasuries and private credit markets, as part of a broader strategy to build a global, decentralized liquidity marketplace for both retail and institutional participants.