Beta Period: This platform is currently in test operation. Staking participants will receive principal only after the beta period ends — no yield will be paid during this period.

Powered by XRPL · Backed by Real Assets

Earn from Real-World Assets

Stake XRP or testUSD and earn yield from a verified portfolio of Korean NPL assets. No lock-up. Withdraw anytime.

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Total Value Staked
5~10%
Target APY Range
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Active Stakers

Choose Your Pool

Two staking products, both backed by the same verified NPL portfolio

OPEN

XRP Staking

XRP
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Expected APY
TVL
—
Min Deposit
10 XRP
Stakers
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Withdrawal
Flexible

Stake XRP and earn yield from a diversified portfolio of verified Korean NPL assets. Net of hedging costs.

  • No lock-up period
  • Flexible withdrawal
  • On-chain transparency
OPEN

testUSD Staking

$
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Expected APY
TVL
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Min Deposit
10 TESTUSD
Stakers
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Withdrawal
Flexible

Stake testUSD stablecoin for stable yield backed by collateralized Korean NPL real estate debt.

  • Stablecoin yield
  • Low volatility
  • testUSD TrustLine required

Get testUSD for Beta Testing

Set up your TrustLine and claim free testUSD to try the TESTUSD staking pool.

1Set up testUSD TrustLine

Required before receiving or staking testUSD. One-time setup.

2Claim free testUSD

Log in with your Xaman wallet to claim free testUSD.

APY ranges are estimates based on historical Korean NPL recovery rates. XRP staking APY is net of hedging costs. Actual returns depend on portfolio performance. This is not a guaranteed return.

Access is restricted for users in OFAC-sanctioned jurisdictions (Iran, North Korea, Russia, Cuba, Syria, and others). Identity verification (KYC) is not required at this stage and will be introduced in a future update.

How It Works

Three simple steps to start earning

1

Connect & Deposit

Connect your Xaman Wallet and deposit XRP or testUSD into the staking pool.

2

Earn While You Wait

Your funds are deployed into verified NPL assets. Yield accrues as debts are recovered.

3

Withdraw Anytime

Request withdrawal at any time. Funds are returned within 24 hours.

Underlying Portfolio

Backed by Verified Real Assets

Every dollar staked is deployed into a curated portfolio of Korean NPL (non-performing loan) assets — each verified by licensed appraisers, secured by Custody NFTs on XRPL, and actively managed toward recovery.

  • Licensed appraiser verification (Asset NFT)
  • Custodian-secured collateral (Custody NFT)
  • On-chain audit trail on XRPL
  • Active court auction management
Total RWA Assets
Active NPL positions
24
Average LTV
Loan-to-value ratio
68%
Avg Recovery Rate
Historical performance
91%
Asset Coverage
Appraised & custodied
100%

Why XRF Staking?

Built for security and transparency from the ground up

Non-Custodial

Your Xaman Wallet holds your keys. XRF never has direct custody of private keys.

Transparent Portfolio

All underlying NPL assets are publicly listed. Know exactly where your funds go.

Flexible Exit

No fixed lock-up. Withdrawal requests are processed within 24 hours.

Ready to Start Earning?

Set up your Xaman Wallet and deposit XRP or testUSD in minutes.