XRP ($2.03) holders have long asked one key question: is it possible to earn passive income directly on the XRP Ledger (XRPL)? With no native staking mechanism like Ethereum’s, many believed the answer was a firm no. However, a recent test by a prominent XRP community member says otherwise, and the results may surprise you.

XRP Holder Runs Yield Test on Doppler Finance

“All Things XRP,” a well-known voice in the XRP community, took to X (formerly Twitter) to document a personal experiment. The goal was clear: test whether idle XRP could generate passive yield natively on XRPL, without relying on wrapped tokens, bridging to other chains, or speculative DeFi tools.

Given that XRPL doesn’t offer built-in staking, the experiment turned to Doppler Finance, a third-party platform offering DeFi yield strategies entirely on XRPL infrastructure. What makes Doppler unique is its on-chain operation, which eliminates the need for cross-chain transactions.

Curious about this emerging opportunity, the user deposited XRP into Doppler and tracked the results over several days.

9 Days Later: Real Yield, Real Numbers

The test ran for nine days. During that time, the user earned 0.3990 XRP, worth approximately $0.88 at an XRP price of $2.21. While modest in absolute terms, the results translate to an annualized yield of about 3.41%, a figure well within Doppler’s advertised APR range of 3% to 4.5%.

The experiment also highlighted one key process detail: withdrawals on Doppler take up to seven days, following a batch-based system similar to many staking withdrawal models.

Honest Work, Modest Rewards

In the words of “All Things XRP,” the yield was “not huge, but honest work.” He emphasized that the entire experience took place directly on XRPL, using no wrapped assets, bridges, or speculative trading. Everything was transparent, secure, and native to the XRP Ledger.

This setup may not offer the kind of high returns seen in yield farming or Layer-1 staking on networks like Ethereum, but it does open the door to passive income for long-term XRP holders who prefer to keep their assets on XRPL.

Still Not Native Staking—Yet

While Doppler Finance operates on XRPL and doesn’t require off-chain movement, it remains a third-party service. This introduces some inherent risk and does not equate to true network-level staking as seen with Ethereum’s Proof-of-Stake protocol.

However, interest in creating native staking options on XRPL continues to grow. Ripple and Flare are reportedly exploring ways to introduce such capabilities, which could eventually give XRP holders direct, protocol-level options for yield generation.

Related article: Ripple’s RLUSD ($1.00) Stablecoin Surges After Gemini Listing: A Catalyst for Stablecoin Growth

What This Means for XRP Holders

This experiment may represent a turning point for passive income in the XRP ecosystem. It confirms that while XRP does not currently support traditional staking, new solutions like Doppler Finance provide legitimate opportunities to earn yield without leaving XRPL or compromising asset security.

For risk-averse investors, this kind of native yield, however modest,  offer a safe middle ground between doing nothing with idle assets and chasing high-risk DeFi returns elsewhere.

As the XRPL ecosystem matures and more projects experiment with on-chain finance, the ability to passively earn with XRP may become not only more rewarding but more common.

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