XRP cloud mining is not actually mining XRP, as all 100 billion XRP tokens were pre-mined. Instead, it allows XRP holders to fund Bitcoin (BTC) or Ethereum (ETH) mining contracts. In mid-2025, platforms emerged offering daily payouts in XRP for minimal deposits. However, promised returns of up to 800% APR are often unsustainable and may rely on new user deposits. The key risks include high counterparty risk, asset volatility, and potential hidden fees which can greatly reduce actual earnings. Users are advised to start with small deposits and verify platform credibility before investing. Alternatives such as wrapped XRP in decentralized finance (DeFi) ecosystems or regulated lending platforms provide safer yield options with lower, but more realistic, returns. Ultimately, while XRP cloud mining offers easy access, potential investors should approach with caution, recognizing it as a high-risk venture.

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