Who this review is for: Anyone who holds crypto, whether that is BTC, ETH, SOL or XRP itself, and wants to see it earn XRP without learning a pile of DeFi tools first. If you can use an onlin
Who this review is for: Anyone who holds crypto, whether that is BTC, ETH, SOL or XRP itself, and wants to see it earn XRP without learning a pile of DeFi tools first. If you can use an online bank account, you can follow this guide.
Disclosure: the registration links in this article are referral links. They cost you nothing extra. Facts below come from the operator's public press release, the independent Comply Security review of the bridge contract, Flare's own FAssets documentation, and the project's published brief. Where a figure comes from the project itself, we say so.
Top Value (BVI) AM Limited is the company behind myXRP, an XRP-focused platform built around FXRP on Flare. FXRP is the version of XRP that lives on Flare, a network that lets XRP be used in lending, trading and other DeFi apps. Flare describes FXRP as a 1:1 representation of XRP, designed to stay connected to the XRP Ledger.
Top Value offers two ways in:
In plain terms: Top Value is a front door. You bring the coins you already have, and the platform turns them into a steady stream of XRP rewards that you can watch arrive on screen.
Who runs it? Top Value (BVI) AM Limited, registered in Road Town, Tortola. According to the press release, the British Virgin Islands Financial Services Commission lists the company as a currently regulated virtual asset service provider and custody provider. The approved activities shown on the register are exchange between virtual assets, and safekeeping and administration of virtual assets.
The myXRP landing page at 1440px: lock FXRP, hold 1:1 myXRP, and see each tick credit XRP in the cabinet.
Key facts (27 October 2026):
The cabinet is the heart of the product. After you register, you get a personal dashboard. From there you can deposit a coin you already hold, and the platform accepts a very wide list.
Supported networks include: Bitcoin, Litecoin, Dogecoin, Bitcoin Cash, Ethereum, Base, Arbitrum, Optimism, BNB Chain, Avalanche, Polygon, Flare, Hyperliquid, Solana, XRP Ledger, TRON, SEI, Cosmos, Near, Aptos, Sui, Stellar, Algorand, Polkadot and Kaspa.
That is more than 200 tokens in total. Most people already hold at least one of them, so there is no need to swap into something unfamiliar before you start.
"Start with what you already hold: 200+ tokens" sits right on the bridge panel, next to the Cabinet register / sign-in button and the custodial top-up path.
"Ways into myXRP": FXRP desk, Safe Borrow, Cabinet, Mint FXRP from XRP, Deposit FXRP, Flare wallet and XRPFi. Pick the one that matches what you already hold.
Two design choices make this attractive:
Many yield products show you a number that quietly changes once a day. Top Value does it differently. Ordinary XRP is credited to your position in ticks, roughly every 15 minutes up to about an hour and a half according to the project. Each tick appears in the cabinet, so you see your position working rather than taking it on trust.
The tick is not fixed. In our captures on 27 October the live tick read 0.0062% per 1,456 seconds (about 24 minutes), then 0.0024% per 1,459 seconds, then 0.0024% per 4,328 seconds (about 72 minutes). The site reports about 30 closed ticks in the last 24 hours, ranging from 0.0010% to 0.0075%. Its own 30-day illustrations therefore moved between roughly 1.4% and 11%. The site stresses that this is an example, not a promised yield, and that the tick is a cabinet credit, not on-chain growth. Expect it to move, and judge it over weeks, not minutes.
The "Deposit FXRP. Hold myXRP." card shows the live cabinet tick (here 0.0024% per 1,459 s) and states that the myXRP balance does not change.
The site also has an earn calculator. You enter an amount in XRP, ETH, BTC or USD and it repeats the last closed tick to show the credit per day and per 30 days. With $250,000 entered it showed about 92 XRP per day and about 2,763 XRP per 30 days on a slow tick, and about 273 XRP per day and 8,196 XRP per 30 days on a faster one. It labels the result "illustrative only, not a promised APY".
The cabinet tick calculator with $250,000 entered: principal in XRP, credit per day and credit per 30 days, plus the 24-hour tick range.
We opened a real account to see whether the gift exists. It does. Registration took a few minutes: we chose "Use without KYC / AML until 1 Apr 2027", entered an email and password, ticked the terms and the deferred-KYC acknowledgement, and skipped the optional "Digital legacy" step. The cabinet opened straight away. No personal documents were requested.
The first thing on the dashboard is a card titled "Open your bonus deposit": Registration bonus: 100 FXRP, locked until 1 April 2027. The 100 FXRP cannot be closed or withdrawn. Yield posts as real XRP ticks, the same as every other deposit.
A fresh cabinet: verification status "Deferred KYC", the last closed tick, and the "Activate 100 FXRP" bonus card. Email masked.
We pressed Activate 100 FXRP, and a short animation confirmed the bonus deposit. The My deposits tab then showed a separate Bonus deposit panel with 100 FXRP as locked principal and an earned counter for XRP. The site's own approximation, at an XRP price of about $1.29, was roughly 0.18 XRP per day, 5.5 XRP per 30 days and 67 XRP per year, and it notes that these figures follow the ticks running now.
The Bonus deposit panel: 100 FXRP locked principal, XRP earned so far, and the site's approximate day, 30-day and one-year figures.
How to read it honestly. The gift is a yield-bearing bonus deposit, not 100 FXRP you can cash out today. The principal stays locked until 1 April 2027 and cannot be withdrawn, while the XRP it earns is credited as real XRP ticks. At the moment we captured the page the earned counter still read +0 XRP, because we had only just activated it. Treat the yearly figure as an illustration; ticks move, as shown above. It is still a free way to see the whole cycle from deposit to tick credit before putting in your own coins.
Before opening to the public, Top Value ran a closed institutional phase. The result is a book of 8,099,291.67 XRP across three positions:
Position XRP Share of book London North Gate (largest position, per the project) 5,306,820.33 about 65.5% Wind Partners 1,426,950.09 about 17.6% Resin Essex, a Hong Kong family office (per the project) 1,365,521.25 about 16.9%The press release adds that the participants represent financial centres in Asia and Europe, and that the largest position was formed from USDT, ETH and USDC converted to XRP at documented market values.
On top of that, the project says W Holding covers the book with 35,000,000 XRP: 25,000,000 XRP for the custodial cabinet and 10,000,000 XRP for on-chain myXRP. The site clarifies that the 10,000,000 figure is the on-chain issuance ceiling, not an amount already issued, and that the cover is not a guarantee of safety, solvency or yield. Having professional capital in the book before public launch is a strong signal that this is more than a weekend experiment.
Live update from the Pool report. Inside the cabinet, the Pool report tab shows the book has kept growing since the press release. Week by week, the ledger reads 8,099,291.67 XRP across three funds from 28 September to 12 October, then 10,203,873.27 XRP across four positions on 19 October. The page splits that into 10,008,563.09 XRP from the four named funds and 195,310.18 XRP from people using the platform. It also repeats the W Holding insurance book: 35,000,000 XRP, of which 25,000,000 is for the custodial cabinet and 10,000,000 for on-chain myXRP.
The cabinet's Pool report: W Holding insurance book, 10,203,873.27 of 25,000,000 XRP collected (40.8%), and the weekly ledger from 17 August.
The working pool at the time of our visit: 10,203,873.27 of 25,000,000.00 XRP booked (40.8%), with the cabinet tick calculator below it.
The Institutions page: the accreditation timeline, with TF Bank for accreditation and AML and W Holding as the insurance reserve.
If you prefer to stay on-chain, MyXRPBridge works on Flare C-Chain (Chain ID 14). You lock official FXRP and receive the same amount of myXRP. Redeem it, and the myXRP is burned while your FXRP is returned in the same transaction.
The published structure is deliberately minimal:
Independent review: Comply Security reviewed the verified bridge source. Its letter reports that no critical, high, medium or low finding is open, and that its observations are already satisfied by the source with no code change requested. The project also publishes six AI-assisted analyses. As with any audit, treat it as a reading of the contract at a point in time, not a guarantee.
Contracts to verify yourself:
Anyone can check these on the Flare explorer.
The bridge panel: connect MetaMask on Flare (chain 14), approve FXRP, then deposit to receive the same amount of myXRP. The contract addresses are printed right under the buttons.
"What is myXRP?" on the home page: a 1:1 receipt for FXRP held in the bridge, with the balance fixed and the XRP credit shown in the cabinet.
The site lists the Flare XRPFi venues it sits beside, each with a live TVL figure. At our visit these included Firelight ($67.28M, liquid staking), Upshift Clearstar ($66.34M, earn vault), Morpho ($44.92M, FXRP markets), Kinetic ($33.15M, money market), Mystic ($25.45M), SparkDEX ($21.02M), Enosys ($13.41M), Spectra ($9.65M) and Upshift Monarq ($6.95M). FXRP locked in the bridge is not sent to these venues; they show where the wider XRPFi market lives.
The Partners section with live TVL for Firelight, Kinetic, Upshift Clearstar, Upshift Monarq, Spectra and Mystic.
Fees. The site states there is no commission on locking or returning FXRP in the bridge and no swap commission on the custodial path. You pay the normal network fee on your own transaction, and routes through FAssets or a DEX may show a third-party fee in the quote before you confirm. The site also states that 21.47% of the yield stays with the protocol. The cabinet tick is an XRP credit, not a fee taken from your locked FXRP.
Access window. From 12 August to 30 September 2026 only institutions could join. From 1 October 2026 any user can open access without KYC until 1 April 2027. After that date the site says only verified, accredited accounts can deposit and earn. Accounts that are not verified stop accruing yield and cannot make new deposits, and existing balances are returned to the registered wallet or left available for withdrawal. The site says this is not confiscation. If you plan to stay beyond April 2027, expect to complete KYC. After the cutover the page quotes a $227k minimum deposit for institutional accounts.
Start small the first time. Send a modest deposit, confirm it shows up, then scale at your own pace.
A positive review is still an honest one. Top Value's own risk disclosure says digital assets can lose some or all of their value, and that participation carries smart-contract, counterparty, liquidity, operational, network and market risks. myXRP is not XRP, is not affiliated with Ripple, and is not an insured deposit. The cabinet is custodial, which means the platform holds the keys to your account. The site is open about this on its Security page, titled "Why myXRP is custodial, on purpose", which argues for a staffed desk and an insurance envelope over open bridge stacks. Only deposit what you are comfortable holding that way, and never treat reward rates as guaranteed. Plan for the April 2027 KYC requirement, and remember the site itself says that if the XRP price falls, the dollar value of your FXRP, your myXRP receipt and your cabinet credit falls with it.
The Security page explains the custodial design and tracks recent industry hacks.
Is myXRP the same as XRP?
No. It is a separate receipt token issued 1:1 against official FXRP locked in the bridge. The rewards you earn in the cabinet are paid in ordinary XRP.
Does my myXRP balance grow?
No. The balance is fixed at the amount you locked. The reward is XRP, credited separately.
Do I need to own XRP to start?
No. The cabinet accepts 200+ tokens on 25+ networks, and registration gives you a 100 FXRP bonus deposit that earns XRP while it is locked until 1 April 2027.
How often are rewards credited?
In ticks, from about 15 minutes to about an hour and a half, visible in the cabinet.
Who operates the platform?
Top Value (BVI) AM Limited, listed by the BVI Financial Services Commission as a regulated VASP and custody provider.
The FAQ section on the site, organized into Product, Getting started, In and out, and Custody and cover.
Top Value gives XRP rewards a friendly public entrance. The cabinet is easy to approach, the asset list is unusually broad, the ticks make rewards visible, and the institutional book plus the reviewed bridge give it more substance than most newcomers. If you have been curious about XRPFi but put off by the complexity, this is a comfortable place to begin.
Ready to try it? Register at Top Value, claim the 100 FXRP gift and open your cabinet .
The footer names Top Value (BVI) AM Limited and links the BVI FSC register entry, Terms and Privacy.
This article is for information only and is not financial advice. Digital assets are volatile. Do your own research.
The post Top Value myXRP Review 2026: A Public Door Into XRP Rewards, With a 100 FXRP Welcome Gift was initially published on Coincu.
