Bybit, the world’s second-largest cryptocurrency exchange by trading volume, has introduced XRPfi, a new fixed-term yield product that enables XRP holders to earn yield through a collaboration with Doppler Finance.
The product offers a 90-day term investment period on XRP-based yield strategy. During the promotional period from April 13 to July 12, 2026, returns will reach up to 5% APR, including a 2.5% bonus supported by a 30,000 XRP incentive pool.
Returns are distributed in a single payout at maturity, combining both principal and accrued yield. Funds remain locked for the duration of the term.
Strategy execution is handled by Doppler Finance, which applies market-neutral approaches designed to help deliver more stable returns. Bybit stated that assets remain within its platform infrastructure, allowing users to retain custody while benefiting from externally executed strategies.
The structure provides a defined baseline return with potential additional promotional yield, without requiring active management or exposure to variable-rate products. The offering also represents one of the first fixed-term savings models designed specifically for XRP.
Key characteristics of XRPfi include:
A fixed 90-day term with a defined baseline return structure
Additional promotional yield supported by a dedicated incentive pool
A single settlement at maturity, with no early redemption
Strategy execution designed to limit market exposure
Participation is subject to eligibility requirements, including identity verification and regional restrictions. The product may not be available in certain jurisdictions, and some account types, including Islamic accounts, are excluded. Institutional users are eligible to participate.
APR may vary depending on market conditions and that all participants must comply with its terms of service. The company also reserves the right to amend the program terms.
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