How XRF Works
Earn yield from verified Korean NPL assets by staking XRP or testUSD — flexible withdrawal, on-chain transparency.
The Staking Process
From wallet to yield in 4 steps
Connect Xaman Wallet
Sign in with your Xaman (XUMM) wallet — no email, no password. Your XRPL address is your identity.
Deposit XRP or testUSD
Choose a staking pool and sign a Payment transaction. Your funds go directly to the Treasury wallet on-chain.
Earn from NPL Recovery
Your stake is deployed into verified Korean NPL assets. Yield accrues as distressed loans are recovered through court auction.
Withdraw Anytime
Request withdrawal at any time. Treasury sends funds back to your Xaman wallet — no lock-up, typically within 24 hours.
Staking & Yield
Common questions about deposits and returns
Korean NPL Assets
Understanding the underlying investment
XRPL & Xaman Wallet
Blockchain infrastructure and wallet setup
Risks to Understand
Investing involves risk — know the key factors
Recovery rates vary. If an asset recovers less than expected, pool yield for that period decreases. Diversification across many assets limits single-asset impact.
XRP price vs. KRW affects the real return for XRP stakers. Hedging costs are embedded in the APY calculation but residual FX risk remains.
The Treasury wallet is managed by the XRF team. Although all movements are on-chain and auditable, this is a centralized custody model, not a smart contract.
Withdrawals are processed within 24h but depend on the Treasury having sufficient liquidity. In high-withdrawal scenarios, processing may be queued.
This platform does not constitute investment advice. Past performance does not guarantee future results. Only invest what you can afford to lose. APY figures are estimates based on historical NPL recovery data.
Key Facts at a Glance
Ready to Start Earning?
Stake XRP or testUSD in minutes. Full on-chain transparency. Withdraw anytime.