As of December 19, 2025, Japan’s leading crypto platform SBI VC Trade has opened a fresh lending round for XRP, allowing users to earn attractive yields by lending their holdings. This move comes amid growing institutional interest in XRP following Ripple’s regulatory wins and increased adoption in cross-border payments. SBI VC Trade, part of the SBI Group—one of Japan’s largest financial conglomerates—continues to expand its lending services, previously offering similar programs for BTC, ETH, and other major assets.
This guide covers the latest SBI VC Trade XRP lending details, eligibility, yields, risks, and why it’s gaining attention among Asian crypto investors in 2025.
Overview of SBI VC Trade’s XRP Lending Program (December 2025)
SBI VC Trade’s lending service lets qualified users deposit XRP to earn annual interest, with the platform using funds for internal operations (e.g., liquidity provision). Key highlights from the announcement:
- Lending Period: Up to 90 days (renewable).
- Expected Annual Yield: ~4-6% (variable based on demand; higher than previous rounds).
- Minimum Deposit: 100 XRP.
- Maximum Limit: Tiered by user level (higher for VIP/KYC-verified accounts).
- Interest Payment: Paid daily in XRP, compounded automatically.
- Early Withdrawal: Allowed with prorated interest (no penalties in most cases).
The program targets retail and institutional holders seeking passive income on idle XRP.
Eligibility & How to Participate
To join:
- Hold an SBI VC Trade account (Japanese residents or verified international users).
- Complete advanced KYC (including address proof).
- Deposit XRP via wallet transfer.
- Apply through the lending dashboard.
SBI emphasizes compliance—fully licensed under Japan’s FSA as a registered crypto asset exchange service provider.
Why XRP Lending on SBI VC Trade in 2025?
- Institutional Backing: SBI Group is a major Ripple partner, holding stakes and using XRP for remittance services (e.g., SBI Remit).
- Stable Yields: 4-6% APY competitive vs DeFi (lower risk, no smart contract vulnerabilities).
- Growing Demand: XRP adoption in Asia (e.g., Japan, South Korea) drives lending popularity.
- Safety Focus: Funds segregated; insurance coverage for platform risks.
Compared to DeFi lending (Aave, Compound), SBI offers centralized reliability with regulatory oversight.
Pros & Cons of SBI VC Trade XRP Lending
| Pros | Cons |
|---|---|
| Regulated platform (FSA licensed) | Limited to certain regions |
| Competitive 4-6% yields | Variable rates (can drop) |
| Daily compounded interest | No early withdrawal penalties but prorated |
| Strong XRP ecosystem ties | Opportunity cost vs trading |
Risks to Consider
- Counterparty Risk: Though low (SBI’s reputation), not fully decentralized.
- Rate Fluctuations: Yields adjust with market demand.
- XRP Price Volatility: Lending locks assets—price drops reduce USD value.
- Regulatory Changes: Japan strict on crypto; future rules could impact.
Always lend what you can afford to hold long-term.
Comparison: SBI VC Trade vs Other XRP Lending Options 2025
| Platform | Yield (Est.) | Min Deposit | KYC Required | Notes |
|---|---|---|---|---|
| SBI VC Trade | 4-6% | 100 XRP | Yes | Regulated, daily payouts |
| Aave (DeFi) | 2-5% | None | No | Smart contract risk |
| Nexo | 5-8% | Varies | Yes | Centralized, higher for loyalty |
| YouHodler | 6-10% | Varies | Yes | Multi-asset, EU focus |
SBI stands out for Japanese/Asian users seeking compliance.
Outlook for XRP Lending in 2026
With Ripple’s ODL expansion and Asia’s remittance boom, XRP lending demand could rise—potentially pushing yields higher. Analysts see XRP price $1-3 by 2026, boosting lending appeal.
Trade XRP on Tapbit for low-fee spot/futures exposure.
FAQs: SBI VC Trade XRP Lending
Who can participate? Primarily Japanese residents; some international with full KYC.
Is interest guaranteed? Expected rate; subject to change based on utilization.
Safe from hacks? SBI has strong security track record; segregated funds.
Better than staking? Lending offers fixed yields vs staking’s variable rewards.
Conclusion
SBI VC Trade’s new XRP lending round in December 2025 offers a regulated, reliable way to earn 4-6% on holdings—ideal for conservative Asian investors. With daily payouts and institutional backing, it’s a strong passive income option amid XRP’s growing utility.
Trade XRP instantly on Tapbit—low fees, high liquidity.
