XRP could double while this yield strategy leaves you far behind

The XRP Ledger pool pairing XRP with Ripple’s dollar stablecoin, RLUSD, quotes about 4.7% annualized trading-fee yield. Joining this native pool changes what an XRP holder owns. The position becomes a shifting mix of XRP and the dollar stablecoin, surrendering some exposure to a rebound while cushioning some of a decline.

The trade matters with XRP near $1.16, down 7.1% over seven days in CryptoSlate’s November 7 capture. A hypothetical $10,000 pool position would accrue about $9 in fees inside the liquidity position over one week at the displayed rate if prices stayed unchanged, before costs. That is the scale of income to compare with the portfolio’s changing exposure.

At 13:07 UTC on November 7, XRPL.to’s pool data displayed a 4.7% annualized seven-day fee estimate and 0.09% weekly yield. The identified pool held approximately 1.94 million XRP and 2.25 million RLUSD. Data by xrpl.to.

The specific pool is rhWTXC2m2gGGA9WozUaoMm6kLAVPb1tcS3; its RLUSD issuer is rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De, matching Ripple’s official address.

XRPL.to reported about 1.14 million XRP-equivalent of seven-day trading volume and 3,502 XRP-equivalent in estimated fees. Its API guide describes the annualized rate as recent trading fees relative to liquidity, scaled to a year. The quoted income varies with trading and does not lock in a year’s earnings.

Those figures are estimates, not a reconstruction of fees actually earned throughout the week. The displayed fee figure exactly matches seven-day volume multiplied by the current 0.308% trading fee, yet the response records a fee update on November 5, inside that week. Without the earlier rates and transaction-level fees, it does not establish realized income. XRPL also allows eligible auction-slot traders to pay discounted fees.

Under the XRPL’s constant-product mechanics, trading changes the XRP and RLUSD quantities represented by liquidity-provider tokens. Fees accumulate inside the pool and become part of the assets those LP tokens can redeem.

Two comparisons are therefore needed. Holding everything in XRP preserves full XRP price exposure. Leaving an initial 50/50 XRP–RLUSD allocation untouched starts with the same asset mix as the pool but avoids its automatic rebalancing.

Consider equal $10,000 starting investments. In a hypothetical model with RLUSD fixed at $1, no fees or costs, and the pool adjusting to XRP’s new relative price, a 20% XRP rise leaves the pool worth about $10,954. Untouched 50/50 holdings reach $11,000; an all-XRP holding reaches $12,000.

Most of the gap to all-XRP comes from choosing stablecoin exposure in the first place. The smaller gap to untouched 50/50 holdings isolates the rebalancing shortfall commonly called impermanent loss.

The downside comparison changes the conclusion. With XRP down 20%, the modeled pool is worth about $8,944, versus $9,000 for untouched 50/50 holdings and $8,000 for all-XRP. The pool still loses money, but retains more value than the fully exposed XRP position.

Larger moves widen the rebalancing gap. Doubling XRP leaves the modeled pool at $14,142 against $15,000 for untouched 50/50 and $20,000 for all-XRP. Halving XRP leaves $7,071, $7,500 and $5,000, respectively. These are scenarios, not forecasts or measured returns.