DeFi protocol MoreMarkets has launched a new XRP Earn Account, giving retail investors access to yield strategies long reserved for institutions and unlocking what it claims is a multibillion opportunity in idle XRP (XRP) holdings.

The product allows XRP holders to earn yield through curated DeFi strategies while retaining self-custody, a first for a token ecosystem that otherwise lacks native staking or yield infrastructure.

XRP, among the largest tokens by market capitalization, has been absent from the on-chain yield economy that has fueled growth in Ethereum- and Solana-based protocols.

“We want to bring the comfort of fintech and merge it with the yield potential of DeFi,” said Altan Tutar, CEO and co-founder of MoreMarkets, said in a prepared statement.

“For too long, high-yield strategies generating annual returns of 20% or more have been exclusive to hedge funds and institutions, while everyday investors have been stuck with sub-2% yields,” Tutar said.

The platform routes XRP deposits into smart contract vaults that automatically deploy capital across vetted DeFi strategies, all while maintaining user-controlled access and withdrawals.

Security audits have been completed by Halborn, Sherlock, and Sigma Prime, with the product designed for simple onboarding via email or wallet connection.

MoreMarkets utilizes cross-chain infrastructure and wrapping mechanisms, similar to how WBTC or sETH enable participation in DeFi outside native ecosystems.

The company’s roadmap includes expanding the Earn Account model to other digital assets and real-world yield strategies, such as tokenized treasuries or private credit pools, as part of its broader vision of creating a global liquidity marketplace accessible to both retail and institutional investors.

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