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Guavy AI Editorial Team••Sentiment: 4.2•Clout: 85

XRP Lenders Can Earn Up to 12% APR with Daily Payouts on LendProtocol

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LendProtocol is a fixed-rate lending platform built on the XRP Ledger that allows users to earn up to 12% APR with daily interest payouts. Unlike variable-rate DeFi protocols, LendProtocol offers a predictable, fixed return with no lock-up periods and no exposure to lending risk for depositors.

The platform connects depositors with overcollateralized borrowers, who post at least 120% collateral in accepted assets such as BTC, ETH, SOL, XRP, RLUSD, or USDT. If a borrower defaults, the platform absorbs the loss rather than distributing it to depositors.

LendProtocol uses the XRP Ledger as its settlement and custody layer, with cold storage for the majority of deposited assets and AES-256 GCM encryption for data at rest.