Tokenized Yield Platforms Could Offer 20% Returns to XRP Holders

MoreMarkets Opens XRP Yield Access to Retail Investors With New Earn Account

DeFi platform MoreMarkets has unveiled a new XRP Earn Account, giving retail investors the ability to earn yield on their XRP holdings through automated DeFi strategies—an opportunity previously limited to institutions.

The product channels XRP deposits into smart contract-based vaults that intelligently allocate capital across pre-vetted decentralized finance strategies. Users retain full custody of their assets, with unrestricted access to withdrawals, offering both flexibility and yield.

This launch marks a significant step for XRP, a top-tier crypto asset that has historically lacked native yield infrastructure and has been underrepresented in DeFi ecosystems compared to Ethereum or Solana.

“Retail users deserve access to the same high-yield strategies hedge funds have enjoyed for years,” said MoreMarkets CEO and co-founder Altan Tutar. “Our mission is to combine the simplicity of fintech with the earning potential of DeFi.”

Security has been a top priority. The platform’s smart contracts have been audited by leading firms including Halborn, Sherlock, and Sigma Prime. Onboarding is designed to be seamless, with users able to sign up via email or crypto wallet.

MoreMarkets relies on cross-chain technology and asset wrapping—similar to WBTC or sETH—to allow XRP to interact with non-native DeFi protocols. This helps unlock what the firm sees as a multibillion-dollar opportunity in idle XRP holdings.

Looking forward, the company plans to expand the Earn Account offering to other cryptocurrencies and traditional financial instruments like tokenized U.S. Treasuries and private credit pools. It’s part of a broader vision to create a globally accessible, DeFi-powered liquidity network serving both retail and institutional users.

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