Bybit has launched XRPfi — a new fixed-term yield product built in collaboration with Doppler Finance.
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The product allows XRP holders to earn yield through a 90-day lock-up strategy, with returns reaching up to 5% APR during an initial promotional window.
The promotional period runs from April 13 to July 12, 2026, and includes a 2.5% bonus APR backed by a dedicated 30,000 XRP incentive pool. Returns — both principal and accrued yield — are distributed in a single payout at maturity.
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How XRPfi Works
Strategy execution for XRPfi applies market-neutral approaches designed to deliver more stable returns. Bybit stated that user assets remain within its platform infrastructure, meaning participants retain custody while benefiting from externally managed strategies.
The structure provides a defined baseline return with potential additional promotional yield, without requiring active portfolio management or exposure to variable-rate products. Notably, the offering represents one of the first fixed-term savings models designed specifically for XRP.
Key Features at a Glance
Fixed 90-day term with a defined baseline return structure
Up to 5% APR during the promotional period (includes 2.5% bonus)
30,000 XRP incentive pool supporting the promotional yield
Single settlement at maturity — no early redemption available
Market-neutral strategy execution by Doppler Finance, designed to limit directional market exposure
Assets remain on Bybit's infrastructure, preserving user custody
Eligibility and Restrictions
Participation in XRPfi is subject to several eligibility requirements. Users must complete identity verification (KYC), and the product is not available in all jurisdictions. Bybit noted that certain account types — including Islamic accounts — are excluded from the offering. Institutional users are eligible to participate.
Bybit also disclosed that the advertised APR may vary depending on market conditions and that all participants must comply with the exchange's terms of service. The company reserves the right to amend program terms at its discretion.
“XRP has remained a core asset for our users, and expanding its utility has been an important priority,” said Jerry Li, Head of Earn and Wealth Management at Bybit. “Partnering with Doppler Finance allows us to introduce secure, compliant, and transparent XRP yield products that reinforce our commitment to building the world’s most trusted trading ecosystem.”
What to Know Before Participating
Prospective participants should be aware of the full 90-day lock-up with no early exit. The promotional 5% APR is time-limited and partially subsidized by the incentive pool, meaning the baseline return after the promotional period may be lower. As with any yield product, returns are not guaranteed and are subject to market conditions.
Bybit serves a global community of over 80 million users and continues to expand its product suite across centralized and onchain finance. The exchange is headquartered in Dubai, United Arab Emirates.
