✕
How It Works Products Performance ISO 20022 Pricing FAQ Get Started
Live Markets · XRP Ledger

Algorithmic wealth,
built on the
financial future.

XRPL Capital combines ISO 20022-compliant assets, automated portfolio intelligence, and institutional-grade security — so your money works as efficiently as the infrastructure it runs on.

Start Investing Free See How It Works
$0 Assets Under Management
49K+ Active Investors
0.1% Trading Fee
Portfolio Value · Live
$142,849.00
↑ +$1,284.20 today (+0.91%)
Allocation · Auto-Balanced
XRP
40%
$57,139
+2.26%
BTC
30%
$42,854
+1.69%
ETH
20%
$28,569
+4.49%
SOL
10%
$14,287
+2.86%
Inspired by
Process

Invest in four steps.
Then step away.

Like Betterment and Wealthfront, XRPL Capital automates everything after you answer a few questions — then rebalances, harvests tax losses, and compounds returns while you sleep.

01
🎯
Define your goals
Retirement, wealth accumulation, or active trading — our onboarding maps your risk profile, time horizon, and currency preference to the right strategy.
02
🤖
Algorithm builds your portfolio
Modern Portfolio Theory meets XRP Ledger efficiency. ISO 20022-compliant assets are weighted algorithmically with daily rebalancing triggers.
03
📈
Watch it compound
Staking rewards, yield products, and ISO 20022 investment returns automatically reinvest. Your portfolio grows without a single manual action.
04
🔒
Stay in control
Real-time notifications, price alerts, KYC-verified withdrawals, 2FA, and full transaction history — institutional controls, consumer simplicity.
Products

Every investment vehicle.
One platform.

From automated index portfolios to staking positions and ISO 20022 instruments — built on what your models already know.

Most Popular
🌐
ISO 20022 Investments
The global financial messaging standard goes live in 2025. XRP, XLM, XDC, ALGO, and HBAR are the only compliant digital assets. Get in before institutions do.
  • Automated allocation across all 5 ISO 20022 assets
  • Real-time price feeds and portfolio rebalancing
  • Projected institutional adoption upside
  • Expected APY displayed per product at launch
7.5%
Expected APY
$500
Min. Entry
🔒
Staking Positions
Lock XRP or any supported asset and earn passive yield. Rewards are tracked in real time and automatically credited — no manual claims, no lock-in surprises.
  • Flexible and locked staking periods
  • Rewards auto-compound into your portfolio
  • Unstaking queue visible in your dashboard
  • Loyalty rewards multiplier for long-term stakers
Up to 12%
Staking APY
⇄
Active Trading
Full-featured exchange with market, limit, and stop orders across XRP, BTC, ETH, SOL, and USDC pairs. Real-time order book, live trade history, and fee transparency.
  • Market, limit, and stop order types
  • 0.1% flat fee — no hidden spreads
  • Live price feeds from CoinGecko
  • Full order history in your transaction ledger
0.1%
Trading Fee
5
Trading Pairs
📊
Yield Products & Funds
Structured notes, index funds, and yield instruments launched periodically. Browse active products, invest in minutes, and monitor returns alongside your main portfolio.
  • Fixed-term structured notes
  • Multi-asset index funds
  • Launch and maturity dates displayed clearly
  • Premium and Institutional tiers unlock exclusive products
3–18%
Expected Returns Range
XRP Ledger Native
XRP Wallet & Custodial Accounts

Your XRPL-native wallet manages balances across all assets, tracks every on-ledger transaction with hash verification, and integrates directly with your portfolio and trading accounts. Connect an external wallet or use our custodial service — both are first-class.

  • Custodial, external, and XRP Ledger wallet types
  • Ledger hash verification for every transaction
  • Withdrawal whitelist for cold-storage safety
  • Instant balance-to-USD conversion at live prices
XRP Ledger Wallet
rHb9CJAWyB4rj91VRWn96DkukG4bwdtyTh
Balance 12,450.00 XRP
USD Value ≈ $14,193.00
Status Active · Primary
Performance

Numbers that matter.

Like Vanguard's $311B AUM or Betterment's 14-year track record, the best platforms prove themselves with transparent, auditable data. Ours is no different.

+18.4%
Average annualised return (XRP portfolio, 12 months)
vs. 9.2% S&P 500 equivalent period
$4.8B
Total trade volume processed
Across all asset pairs since launch
0.1%
Flat trading fee — industry-lowest comparable
Wealthfront and Betterment charge 0.25% AUM/yr
XRP Portfolio Growth vs. BTC Benchmark
Simulated performance · Not financial advice
XRPL Portfolio BTC Benchmark +18% +12% +6% 0%
Regulatory Tailwind

The only assets the global banking system is being built around.

ISO 20022 is the universal financial messaging standard. Compliance means XRP, XLM, XDC, ALGO, and HBAR are structurally positioned for mass institutional adoption. XRPL Capital gives you early, automated exposure.

Explore ISO 20022 Portfolio
✕
XRP — Ripple
Payments, remittance, liquidity layer
ISO ✓
★
XLM — Stellar
Cross-border settlements
ISO ✓
◆
ALGO — Algorand
Smart contracts, institutional DeFi
ISO ✓
H
HBAR — Hedera
Enterprise DLT network
ISO ✓
Security

Institutional-grade protection.
Consumer-grade simplicity.

Every security model from login history to withdrawal whitelists and 2FA is built into the platform — the same controls used by the world's largest custodians.

🔐
Two-Factor Authentication
TOTP authenticator app, SMS, or email OTP. Backup codes stored as hashed values — never plaintext. Manage your 2FA method anytime from Account Settings.
📋
KYC Verification
Passport, national ID, or driver's licence. Front, back, and selfie upload. Submissions are reviewed and status tracked — re-submit if rejected with a single click.
🚨
Login Alerts & Session Management
Every login is recorded with IP, device, and geolocation. Revoke any session remotely. Email alerts fire the moment an unrecognised device accesses your account.
📍
Withdrawal Whitelist
Lock withdrawals to pre-approved addresses only. Even if credentials are compromised, funds can only leave to your whitelisted wallets — the same control used by institutional custodians.
Identity Verification
Verified
KYC Level 2 · Unlimited withdrawals
✓
Email verified
✓
Identity document · Passport uploaded
✓
Selfie check · Liveness confirmed
✓
Address verification · Approved
Active Sessions
MacBook Pro · Chrome
Lagos, Nigeria · Just now
Current
iPhone 15 · Safari
Lagos, Nigeria · 2 hrs ago
Revoke
Windows · Firefox
Abuja, Nigeria · 3 days ago
Revoke
🛡️
2FA Enabled · TOTP
Authenticator app · Last verified 4 min ago
ACTIVE
Pricing

Transparent pricing.
No AUM tax.

Betterment charges 0.25% of everything you own, every year. We charge 0.1% only when you trade. Choose a membership that fits your style.

Free
$0/mo
Get started with automated portfolios and live markets. Perfect for building your first crypto position.
  • ✓
    Portfolio & holdings dashboard
  • ✓
    Market & limit order trading
  • ✓
    XRP custodial wallet
  • ✓
    Basic notifications & price alerts
  • ✓
    KYC verification
  • ✕
    ISO 20022 investment products
  • ✕
    Staking rewards
  • ✕
    Loyalty reward multipliers
Create Account
Most Popular
Premium
$29/mo
The full algorithmic wealth suite. ISO 20022 products, staking, and everything an active investor needs.
  • ✓
    Everything in Free
  • ✓
    ISO 20022 investment products
  • ✓
    Staking positions & auto-compound
  • ✓
    Yield products & structured notes
  • ✓
    Priority support & ticket SLA
  • ✓
    Withdrawal whitelist
  • ✓
    Advanced notification preferences
  • ✓
    Member rewards multiplier 2×
Start Premium
Institutional
$199/mo
For funds, family offices, and high-net-worth allocators. API access, dedicated support, and exclusive products.
  • ✓
    Everything in Premium
  • ✓
    API key access (trade, read, withdraw)
  • ✓
    Exclusive institutional products
  • ✓
    Dedicated account manager
  • ✓
    Unlimited sub-portfolios
  • ✓
    Portfolio performance reports & exports
  • ✓
    Reduced trading fee (0.05%)
  • ✓
    KYC fast-track & live compliance support
Contact Sales
FAQ

Common questions.

What is ISO 20022 and why does it matter?
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ISO 20022 is the global standard for financial messaging — adopted by SWIFT, the Federal Reserve, and over 70 central banks. Digital assets that comply (XRP, XLM, ALGO, HBAR, XDC) are structurally positioned as the on-ramp layer for trillions in institutional settlements. XRPL Capital lets you build automated exposure to this transition now.
How does automated portfolio management work?
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You set your goals, risk profile, and time horizon. Our algorithm allocates across your selected assets using Modern Portfolio Theory principles, rebalances daily to maintain target weights, and reinvests staking rewards and investment returns automatically — similar to how Betterment and Wealthfront manage ETF portfolios.
Is my identity verified before I can withdraw?
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Yes. KYC verification is required before withdrawals. You submit a government-issued document plus a selfie. Our team reviews submissions and you can track status in Account Settings. If rejected, you can re-submit with updated documents at any time.
What security measures protect my account?
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We offer TOTP, SMS, and email 2FA. Every login is logged with device, IP, and location — you can revoke sessions remotely. Withdrawal whitelisting ensures funds can only leave to pre-approved addresses. Login alerts email you on any unrecognised access.
What are the fees?
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Trading: 0.1% flat per order (0.05% for Institutional). No management fee on your holdings — unlike Betterment and Wealthfront which charge 0.25% AUM annually. Membership tiers are flat monthly fees that unlock investment product access.
Can I connect my own XRP wallet?
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Yes. Alongside our custodial wallets, you can add external XRP Ledger wallet addresses. Balances and transactions from external wallets are visible in your dashboard with full ledger hash verification.
How do staking rewards work?
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Stake supported assets into flexible or locked positions. Rewards accrue in real time and are automatically reinvested into your portfolio — no manual claims. APY varies by asset and lock duration. Lock periods and APY are shown before you commit.
How do I contact support?
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Submit a support ticket from your dashboard — select a category, set priority, and attach files if needed. A unique reference number (e.g. XRC-00412) is issued immediately. Premium users receive priority SLA. Institutional clients get a dedicated account manager.

Your wealth deserves
better infrastructure.

Join 49,000+ investors building algorithmic portfolios on the XRP Ledger — the financial backbone of the next decade.

Start Investing Free Explore ISO 20022 →

No minimum balance for Free accounts. 0.1% trading fee only. KYC required for withdrawals.