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XRP-Backed Loans: Cash Without Selling Your XRP

Need cash but want to keep your XRP? Open a Clapp credit line against it and draw euros or stablecoins whenever you like. The limit for XRP is up to 50% LTV, the rate follows how much of it you use and starts at 0% APR at low LTV, and your coins are held in institutional custody secured by Fireblocks for as long as the line is open.

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What You Get When You Borrow Against XRP

XRP is the native asset of the XRP Ledger, a network built for fast cross-border payments. A credit line secured by it turns the XRP you already hold into spendable euros or stablecoins, on terms that follow your own loan-to-value ratio.

  • Keep your XRP position

    Get euros or stablecoins today while your XRP stays posted as collateral. When you repay, the XRP is back in your wallet, whatever the market did in between.

  • 0% APR at low LTV

    Keep your LTV at or below 20% and your drawn balance costs 0% APR. Above that, the APR rises in clear steps you can see before you draw.

  • A limit you can keep in reserve

    Open the line once and leave it ready. You pay interest on the drawn balance alone, so an unused limit costs you nothing while it waits.

  • Repay when it suits you

    No monthly instalments: repay in parts as cash comes in, clear the whole balance at once, or settle it from the collateral itself.

  • Money where you need it

    Euros land in your bank account via SEPA Instant, usually within seconds; USDT or USDC arrive straight in your Clapp wallet.

  • One line, several assets

    Post BTC, stablecoins or other accepted assets next to your XRP to lift your limit or lower your LTV.

What XRP is

XRP is the native asset of the XRP Ledger, a network designed for fast settlement of cross-border payments, with transactions confirming in a few seconds.

XRP as collateral

XRP is one of the most traded crypto assets in the world, especially in Europe and Asia, which gives it deep liquidity. Its price is known for sudden jumps around industry news.

Who borrows against XRP

Long-standing XRP holders, many of whom have held through several market cycles and prefer to unlock cash rather than sell.

How Borrowing Against XRP Works

Three steps from XRP in your wallet to euros in your bank account.

1. Move XRP into collateral

Choose how much of your XRP should secure the line and move it into collateral in the app. More can be added whenever you want.

2. Your limit appears

Based on the live XRP price and an LTV cap of 50%, your available credit shows up straight away. Draw only what you need.

3. Draw, use, repay

Take EUR via SEPA Instant or stablecoins to your wallet, repay whenever it suits you, and your XRP is back in your wallet once the balance is cleared.

XRP as Collateral at a Glance

ParameterXRP
Maximum LTV50%
APR range0–21.9%, set by your LTV
APR at low LTV0% at or below 20% LTV
You can borrowEUR, USDC, USDT
RepaymentIn parts or in full, no fixed schedule
Custody while the line is openInstitutional custody secured by Fireblocks
Combine withOther supported collateral assets in the same line

XRP Price Down: What Changes for Your Loan

Your LTV moves, and you stay in control of it

XRP can reprice quickly on news, so a calm week can turn into a sharp move within hours. Think of LTV as debt divided by collateral value. If XRP drops, the debt stays the same while the collateral shrinks, so the ratio climbs, and you can follow it live in the app. Adding XRP or another accepted asset, or repaying some of the balance, pulls it back down. Collateral is sold only when the ratio hits the liquidation threshold shown in your dashboard, which is why many borrowers keep a comfortable distance from it.

Other Assets You Can Combine with XRP

One credit line can be secured by several assets at once. Each one has its own LTV limit: stablecoins carry the highest, more volatile coins carry lower ones. The live catalog below shows every asset currently accepted and its limit.

XRP Loan Calculator

Add XRP, choose what you want to borrow and see your available credit with the live calculator. Mix in other assets to see how the limit and your LTV change.

Estimated Total Credit Line
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Collateral Value
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To open a Credit Line, choose which Assets you'd like to use as Collateral.

Access 24/7 support

Need help? Clapp's expert team is ready to assist anytime, ensuring your experience is smooth and hassle-free.

Frequently Asked Questions

  • How much can I borrow against XRP?

    XRP is accepted as collateral at up to 50% LTV, so your available credit is a share of the current market value of the XRP you post. The calculator on this page shows the exact figure for your amount, and the limit moves with the live XRP price while the line is open.

  • Can I get a loan against XRP in euros?

    Yes. Post XRP as collateral and draw EUR straight to your bank account via SEPA Instant, usually within seconds, or take USDT or USDC to your Clapp wallet.

  • What APR applies when I borrow against XRP?

    Your rate moves with your LTV within a range of 0–21.9%: 0% APR as long as you stay at or below 20%, higher above it. You are only charged on the drawn balance.

  • Do I need to sell XRP to borrow?

    No. You keep your XRP posted as collateral and draw cash against it instead. Repay the balance and the coins are back in your wallet.

  • What happens if the XRP price drops?

    Your LTV rises and you can watch it in the app in real time. You can add collateral or repay part of the balance at any moment to bring it back down. Only if your LTV reaches the liquidation threshold shown in your dashboard is part of the collateral sold to cover the balance.

  • What happens to my XRP when I repay?

    Once the balance is cleared, the XRP you posted is back in your wallet and you can trade, send or hold it as before. You can also repay in parts and keep the line open for later.

Unlock Cash From Your XRP

Open a credit line against your XRP and draw euros or stablecoins on demand, From 0% APR at low LTV.

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