In Xaman’s simulation, a first deposit of 100 XRP would produce 99.38 XRP after one year and break even after about 15.4 months, compared with 4.5 months for 10,000 XRP. The scenario includes a 0.5% deposit fee, a 0.11% minting fee on the remaining balance, a 2 XRP setup charge and a 0.2% redemption fee, assuming a 2.25% net annual return. Current terms for the Clearstar earnXRP vault list a 0.75% management fee, a 10% performance fee and a trailing 30-day APY of 1.18%, including vested rewards that cannot be converted immediately. At that lower rate, the model would require about 29.1 months to recover an initial 100 XRP deposit, while withdrawal delays and fees could further reduce or postpone the final amount converted into native XRP.
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