RLUSD Hold & Earn Phase 2: Earn Up to 21.5% APR in XRP + RLUSD
Bybit is excited to launch Phase 2 of RLUSD Hold & Earn — now featuring dual-token rewards in both XRP and RLUSD. Just hold RLUSD in your Bybit account and earn daily, with no staking, no lock-up, and no subscription required.
🚀 What's New in Phase 2?
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Dual Rewards: Earn both RLUSD and XRP simultaneously — powered by Ripple
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Up to 21.5% Total APR: Combining 3.5% RLUSD Base APR + up to 9% XRP Bonus APR * XRP Base APR multiplier (up to 2x for 90+ days continuous holding)
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Same Simplicity: No staking, no lock-up. Just hold RLUSD and earn every day
📅 Campaign Period: Aug 19, 2026, 10 AM UTC – Onwards
💰 Reward Structure
|
Reward Component |
APR |
|---|---|
|
RLUSD Base Reward |
3.5% |
|
XRP Bonus Reward |
Up to 9% |
|
Total (before XRP Base APR multiplier) |
Up to 12.5% |
|
Total (with max XRP Base APR multiplier) |
Up to 21.5%* |
*XRP Base APR multiplier of up to 2x applies to the XRP portion for users who have held continuously for 90+ days.
🔑 How It Works
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Hold RLUSD — Complete Identity Verification Lv.1 and hold a minimum of 1 RLUSD in your Bybit account
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Earn Daily — Your balance is snapshotted 24 times per day; rewards are calculated on the minimum hourly snapshot value
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Get Rewarded — XRP + RLUSD rewards are distributed daily around 06:00 UTC to your Main Account Funding Wallet
⏱️ XRP Base APR Multiplier — Hold Longer, Earn More
The longer you hold RLUSD continuously, the higher your effective APR will be:
|
Continuous Holding Duration |
Multiplier |
Effective Max APR |
|---|---|---|
|
< 30 days |
1.0x |
Up to 12.5% |
|
30–60 days |
1.2x |
Up to 14.3% |
|
60–90 days |
1.5x |
Up to 17% |
|
≥ 90 days |
2.0x |
Up to 21.5% |
Note: The multiplier applies to the XRP bonus portion. If your holding drops to zero, the counter resets immediately.
ℹ️ About RLUSD & XRP
RLUSD is a USD-pegged stablecoin issued by Ripple, fully collateralized by U.S. Treasury bills, USD deposits, and other cash equivalents, maintaining a stable 1:1 peg to the U.S. dollar.
XRP is the native token of the XRP Ledger, co-founded by Ripple, designed for fast, low-cost cross-border payments.
Terms and Conditions
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This campaign is only open to users eligible for Earn services on Bybit Global and KAZ sites. Participants from Service Restricted Countries are not eligible.
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Islamic accounts are not eligible to participate.
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Users must complete Identity Verification Lv.1 to participate.
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Daily rewards are calculated based on each user's effective RLUSD holdings (minimum of 24 hourly snapshots).
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Rewards include both XRP and RLUSD, distributed daily around 06:00 UTC to the Main Account Funding Wallet.
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The XRP Base APR multiplier is based on continuous holding days. If balance drops to zero, the counter resets immediately.
- Each user's eligible balance is capped at 5,000,000 RLUSD; holdings exceeding this amount will not accrue any Hold & Earn airdrop rewards. This limit applies separately to each Main Account and Subaccount.
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Excluded from eligible holdings: RLUSD in Flexible/Fixed Savings; RLUSD borrowed via Crypto Loans, UTA Loans, or Spot Margin; RLUSD in Copy Trading Pro Subaccounts.
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Daily APR is dynamically adjusted based on the remaining monthly reward budget and total effective RLUSD holdings across the platform.
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RLUSD rewards are distributed as commercial incentives funded by Ripple service fees. They do not constitute interest, yield, or investment returns on RLUSD itself.
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Bybit reserves the right to modify, suspend, or terminate this campaign without prior notice.
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Bybit reserves the right to the final interpretation of this campaign.