How XRF Works
Stake XRP or testUSD, earn yield from Korean NPL recovery. Full on-chain transparency. Withdraw at any time.
5 Simple Steps
From wallet to yield — no bank account required
Download & Connect Xaman
Install Xaman (formerly XUMM) — the leading non-custodial wallet for XRPL. Your private key never leaves your device. Sign in to xrft.net with one tap.
- Available on iOS and Android
- Private keys stored locally on your device
- QR code or deeplink sign-in — no email or password
- Free to download and use
Choose a Pool & Deposit
Pick XRP (5~9% APY) or testUSD (6~10% APY). Enter an amount and sign a Payment transaction in Xaman. Your funds go directly on-chain to the Treasury.
- Minimum 10 XRP / 10 testUSD
- No lock-up — withdraw anytime
- Transaction confirmed in 3~5 seconds on XRPL
- Deposit recorded on-chain and in our database
Treasury Deploys to NPL Assets
Pooled funds are deployed to acquire verified Korean NPL (non-performing loan) assets at a 40~60% discount. Each asset is appraised and custodied on-chain via XRPL NFTs.
- Licensed appraiser issues Asset NFT on XRPL
- Licensed custodian issues Custody NFT on XRPL
- AI-assisted recovery rate analysis
- Senior secured — real estate collateral only
Earn from NPL Recovery
As distressed loans are recovered through court auction or restructuring, proceeds return to the Treasury. Yield accrues continuously at the pool APY rate.
- Average 85~91% recovery rate (30-year Korean track record)
- Court auction under FSC/FSS oversight
- KAMCO-style structured recovery process
- Yield distributed proportionally to depositors
Withdraw Anytime
Request a withdrawal on the dashboard. The Treasury processes it within 24 hours and sends XRP or testUSD directly to your Xaman wallet via an on-chain Payment transaction.
- No early exit penalty
- Automated processing every 30 minutes
- Withdrawal TX visible on XRPL explorer
- Full amount returned (no platform fee)
Full Transparency
Every step is verifiable on the XRP Ledger
On-chain Treasury
Every deposit and withdrawal is a public XRPL Payment transaction. Anyone can verify the Treasury balance in real time.
NFT-Verified Assets
Each NPL asset has an immutable Asset NFT and Custody NFT on XRPL, issued by licensed third-party appraisers and custodians.
Public Portfolio
Every asset in the portfolio — location, appraisal value, recovery rate, risk grade — is publicly listed and updated.
Non-custodial Auth
XRF never holds your private keys. Xaman stores keys locally on your device; only you sign transactions.
Why XRP Ledger?
Purpose-built for payments and settlement
XRPL uses Federated Byzantine Agreement consensus — no mining, no proof-of-stake. Settlement in 3~5 seconds for a fraction of a cent. 11+ years of zero downtime, carbon neutral. Every deposit and withdrawal is a public Payment transaction visible on testnet.xrpl.org.
XRF vs Traditional NPL Funds
Same underlying asset — radically different experience
| XRF Staking | Traditional NPL Fund | |
|---|---|---|
| Lock-up period | None | 6–24 months |
| Minimum investment | 10 XRP / 10 testUSD | ₩10M~₩50M typical |
| Withdrawal | Within 24h | Not possible mid-term |
| Transparency | Full on-chain | Report-based |
| Entry process | Xaman wallet (minutes) | KYC, contract, bank wire |
| APY range | 5~10% | 7~12% (higher risk) |
Ready to Start?
Connect your Xaman wallet and stake in minutes. Full on-chain transparency, withdraw anytime.