Built on XRP Ledger

Earn passive income
on your XRP.

Earn 12% APR with daily compounding.
DeFi lending on the XRP Ledger.

14,000+

Active Lenders

1.13B XRP

Total XRP Lent

12% APR

Annual Percentage Rate

Why Blocklender?

The smarter way to earn on your XRP.
Secure. Simple. Rewarding.

Daily Compounding

Your earnings are automatically added to your balance every day. You earn interest on your interest, growing your assets exponentially over time.

12% APR Yield

Earn 12% APR with daily compounding on your XRP and RLUSD. Your balance grows every day as earnings are reinvested automatically.

Cold Storage Security

Majority of funds are stored in cold wallets, keeping your assets safe from threats.

How It Works

Getting started with Blocklender is simple. Three easy steps to start earning.

01

Register

Set up your account and verify your email. Quick and straightforward.

02

Lend XRP or RLUSD

Send XRP or RLUSD to your lending address. Funds arrive in seconds.

03

Earn Interest

Watch your earnings grow day by day. Withdraw anytime you want.

Calculate Your Lending Returns

See how much you could earn by lending your XRP on Blocklender

Fixed 12% APR
|
Daily compounding

Your estimated earnings

Daily

+3.29 XRP

Monthly

+99.10 XRP

Yearly

+1,274.75 XRP

Start Lending →

XRP / USD

7-Day Price Chart

7d High

7d Low

24h Change

Enterprise Security

Your Assets Are Protected

Blocklender employs industry leading security practices to safeguard your funds and personal data at every layer of our platform.

Last security audit: May 2026

AES 256 GCM Encryption

All data is encrypted at rest and in transit using military grade encryption standards.

Two Factor Authentication

Protect your account with TOTP based 2FA on every login and withdrawal.

Cold Storage Wallets

The majority of assets are stored offline in secure cold wallets, away from online threats.

In Web Records

Every action is recorded with full audit trails for transparency and accountability.

Rate Limiting Protection

Advanced rate limiting and DDoS protection to keep the platform secure at all times.

Compliance

Fully compliant with regulatory standards to protect users and maintain platform integrity.

Your Funds Are Protected

Multiple layers of security safeguard every dollar on the platform.

Cold Storage

Majority of user funds held offline, isolated from internet-facing systems.

Multi-Sig Wallets

Multiple authorized signatures required to move funds — no single point of failure.

Insurance Coverage

Deposits backed by insurance against security breaches and unauthorized access.

Frequently Asked Questions

Everything you need to know about earning with Blocklender.

Blocklender works like a decentralized bank. You deposit your XRP or RLUSD, and our platform carefully lends it to vetted borrowers with full collateral guarantees. You earn daily interest from those loans, just like how traditional banks use deposits to fund lending, except you keep the majority of the returns.

Start Earning Today

Join thousands of lenders earning passive income with XRP. Lend your first XRP and start earning in minutes.

Lend XRP or RLUSD and start earning in under 5 minutes.