For Korean version, please read it HERE.

TL;DR

• 🔒 The first and only hardware wallet–based XRPfi service
• 💡 Target APR (Annual Percentage Rate): 2.5%
• 🎁 Launch Boost: +5% APR bonus for the first 5 weeks

Part 1. What is XRPfi?

XRPfi refers to DeFi yield opportunities built on the XRP Ledger (XRPL). Unlike many other blockchains, the XRPL does not operate with a native proof-of-stake (PoS) mechanism, meaning XRP holders cannot earn rewards simply by staking tokens on the network itself.

To bridge this gap, Doppler Finance applies institutional-grade CeDeFi strategies using trusted custodians such as Ceffu and Fireblocks. These strategies make it possible for XRP holders to generate consistent yield without relying on PoS infrastructure.

Through D’CENT, XRPfi is delivered in a way that is secure, transparent, and ensuring that users receive their principal plus target return.

Introducing D’CENT XRPfi Prime Launch

🔒 Hardware wallet integration

D’CENT brings XRPfi directly into the hardware wallet, combining the highest level of security with seamless staking and yield participation.

💡 Target APR

Participants could earn returns with a target APR of 2.5% annually.

🎁 Launch Boost — Additional Target APR of 5% will be offered during the first 5 weeks after the closing period.

To celebrate Phase 1, the Prime Boost Vault provides an additional 5% Target APR for the first five weeks, giving early participants up to 7.5% total yield. 

Part 2.Vault Structure

🏆 1) Prime Boost Vault (Launch Event Vault)

Purpose

A limited-time vault created to reward early adopters with higher Target APR during the launch phase.

Key Terms

• ⏳ Lock-up
  • Assets will be locked for a period of 3 months (early withdrawal is not allowed)
  • The lock-up period will begin either 1 month after launch or once the total deposit cap of 1.5M XRP is reached - whichever comes first.

• 💡 Target APR
  • 2.5% Target APR, continuously applied.

• 🎁 Launch Bonus (+5%)
  • For the first 5 weeks, additional 5% Target APR is offered, resulting in up to 7.5% Target APR during this period.
  • ⚠️ Please note: This bonus will not appear in the real-time yield display on the interface.
  • Instead, the additional XRP from this bonus will be paid out in a lump sum by D'CENT at the end of the 3 month lock-up period.

• 🔄 After Lock-up ends
  • Principal + 2.5% target APR will be automatically transferred to Standard Vault.
  • Prime Boost rewards will be distributed separately at the same time.

• 📊 Deposit cap
  • Total: 1.5M XRP
  • Per user: Maximum of 10,000 XRP

⚖️ 2) Standard Vault

Purpose

A flexible vault designed for ongoing participation, offering Target APR without a long-term lock-up.

Key Terms

• ⏳ Lock-up
  • No fixed lock-up period.
  • Users can request withdrawals at any time.

• ⌛ Withdrawal process
  • Withdrawals are processed after a 7- 8 day redemption period.
  • At the end of the period, both principal + accrued interest are released to the user’s wallet.

• 💡 Target APR
  • 2.5% Target APR, continuously applied.

• 📊 Deposit cap
  • Total: 1.5M XRP
  • Per user: No individual limit

Part 3.How to Use

Detailed step-by-step instructions can be found through the official user guide.

Please follow the link to check the process in detail.

Flow overview (at a glance)

1. 1. 1. Open the D’CENT app → Discovery
      1. a. Look for the Doppler Finance banner (“The First XRPfi – Stop Holding. Start Earning.”)
      2. b. Or select Doppler Finance from the Discovery app list (showing Prime Boost Vault up to 7.5% APR)
   2. 2. Connect to XRPL and confirm the deposit
   3. 3. Choose a vault (Prime Boost or Standard)
   4. 4. Review and confirm terms (APR, lock-up, redemption)
   5. 5. Track your position in the app

Withdrawals

• Standard Vault: request anytime → 7-8 day redemption → funds sent to your withdrawal address
• Prime Boost Vault: funds locked for 3 months after vault close → auto-moved to Standard Vault → +5% Launch Boost paid separately by D’CENT at maturity (not shown as ongoing interest on screen)

Important notes

• Service availability follows jurisdictional restrictions and geo-fencing notices
• Early withdrawal is not available for the Prime Boost Vault

• Regional Restrictions: This service is not available in certain countries and regions subject to international sanctions (e.g., United States, China, Russia, North Korea, Iran, Syria, etc.). Doppler Finance applies geo-fencing and will block deposits from these locations.
  For the full list of restricted countries and regions, please refer to the User Guide.

👉 Download and experience the first self-custody XRPfi now!

Part 4. FAQ

Q1. Are there any regional restrictions?

Yes. The service is not available in jurisdictions subject to international sanctions (e.g., United States, China, Russia, North Korea, Iran, Syria, etc.). Access attempts from these regions are blocked, and participation is prohibited.

For the full list of restricted countries and regions, please refer to the User Guide.

Q2. Why does Doppler Finance show 3–4.5% APR while D’CENT shows 2.5%?

D'CENT XRPfi is a Target APR based service, where participants can expect to earn yield with a goal of up to 2.5% annual Target APR.

Q3. When can I withdraw my funds?

• Standard Vault: You may request a withdrawal at any time. Funds are transferred after a 7 - 8day redemption period, including both principal and accrued interest.
• Prime Boost Vault: Funds are locked for 3 months after the vault closes (the vault closes either 1 month after launch or when the deposit cap is reached, whichever comes first). At maturity, all funds are automatically moved to the Standard Vault. The +5% Target APR is paid separately by D’CENT at the same time.

Q4. Can I withdraw early from the Prime Boost Vault?

No. Early withdrawal is not supported. Funds remain locked until maturity.

Q5. What happens when the Prime Boost Vault lock-up period ends?

All funds (principal + 2.5% Target APR) are automatically transferred to the Standard Vault, where you can continue earning yield. The +5% Target APR is distributed separately by D’CENT at maturity.

Q6. Why does my XRP balance in my wallet look different from the available balance shown in the app?

The XRP Ledger requires each account to maintain a reserve balance to stay active:

• 1 XRP base reserve per account

• +0.2 XRP for each trustline, offer, or object registered

  For example, if your account has 3 trustlines, an additional 0.6 XRP is reserved. If your wallet shows a total of 1.63 XRP, only ~0.03 XRP may be available for staking. This difference is normal on XRPL.

Q7. What will I see in the “Manage” screen?

• Balance (Principal + Yield) = Current holdings (original deposit + credited yield – withdrawn amount)
• All-Time Earnings = Total yield already received
• The +5% Target APR will not appear here, since it is distributed separately at maturity.

Q8. When are yields reflected?

Yields accrue continuously but are reflected in balances once per week:

• Every Friday, 01:00 UTC (approx. 10:00 AM KST)
• Slight delays may occur during processing.

Q9. Why don’t I see the +5% Launch Boost Target APR in the app interface?

The +5% Launch Boost is a special event reward. It is not shown as ongoing APR in the vault interface. Instead, it is credited separately by D’CENT after the 3-month lock-up ends.

Q10. How often are Doppler Points (DP) updated?

DP balances are updated every 1 hour.

Q11. How are Doppler Points (DP) calculated?

DP rewards are calculated based on the size of your deposit and the time it remains staked:

• Base rule: For every $1 deposited, you earn 0.01 DP per hour.
• Bonus multipliers: Special vaults or events (such as the Prime Boost Vault) apply a bonus multiplier, increasing the DP you earn proportionally.

Example:

• If you deposit $1,000 worth of XRP, you earn 10 DP per hour.
• Over 24 hours, this equals 240 DP, not including any event multipliers.

Additional Support 💬

If you have further questions or encounter any issues, please reach out through Doppler Finance's official community support channel:

• Discord (Global CS)

👉 Download and experience the first self-custody XRPfi now!

[Notice on Service Use]

• The XRP deposit service available through the D’CENT Wallet operates by connecting to Doppler Finance. When using this service, XRP held in the D’CENT Wallet is deposited into Doppler Finance under a structure that targets a fixed yield.
• Please note that the target yield is not guaranteed and may vary depending on Doppler Finance’s operational decisions, as well as prevailing market conditions and liquidity.
• This service does not constitute a financial product protected under the Capital Markets Act, the Financial Consumer Protection Act, or any equivalent regulations. All responsibilities arising from the use of this service rest solely with the user. D’CENT and its affiliates shall bear no liability for any risks or losses incurred through participation in this service.