Bybit is excited to launch Phase 4 of RLUSD Hold & Earn — continuing our dual-token rewards program powered by Ripple. Just hold RLUSD in your Bybit account and earn daily in both XRP and RLUSD, with no staking, no lock-up, and no subscription required.

What's In Store for Phase 4?

• Dual Rewards Continues: Earn both RLUSD and XRP simultaneously — powered by Ripple.

• Attractive Total APR: Combining up to 3.75% RLUSD Base APR + 1.3M XRP Bonus APR Prize Pool × XRP Base APR multiplier (up to 2x for 90+ days continuous holding).

• Zero-Fee Spot Trading: Continue to enjoy 0% maker and taker fees on the RLUSD/USDT spot pair.

• Same Simplicity: No staking, no lock-up. Just hold RLUSD and earn every day.

📅 Campaign Period

Oct 19, 2026, 00:00 AM UTC – Nov 18, 2026, 23:59 PM UTC

Reward Structure

XRP Base APR Multiplier — Hold Longer, Earn More

The longer you hold RLUSD continuously, the higher your effective APR will be:

Note: The multiplier applies to the XRP bonus portion. If your holding drops to zero, the counter resets immediately.

How It Works

1. Hold RLUSD — Complete Identity Verification Lv.1 and hold a minimum of 1 RLUSD in your Bybit account

2. Earn Daily — Your balance is snapshotted 24 times per day; rewards are calculated on the minimum hourly snapshot value

3. Get Rewarded — XRP + RLUSD rewards are distributed daily around 06:00 UTC to your Main Account Funding Wallet

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

• 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.

• Islamic accounts are not eligible to participate.

• Users must complete Identity Verification Lv.1 to participate.

• Daily rewards are calculated based on each user's effective RLUSD holdings (minimum of 24 hourly snapshots).

• Rewards include both XRP and RLUSD, distributed daily around 06:00 UTC to the Main Account Funding Wallet.

• The XRP Base APR multiplier is based on continuous holding days. If balance drops to zero, the counter resets immediately.

• Each UID'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.

• 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.

• Daily APR is dynamically adjusted based on the remaining monthly reward budget and total effective RLUSD holdings across the platform.

• RLUSD rewards are distributed as commercial incentives funded by Ripple service fees. They do not constitute interest, yield, or investment returns on RLUSD itself.

• Zero-fee trading (0% maker and taker) on the RLUSD/USDT spot pair is effective from Sep 19, 2026. Bybit reserves the right to adjust or end this promotion at any time.

• Bybit reserves the right to modify, suspend, or terminate this campaign without prior notice.

• Bybit reserves the right to the final interpretation of this campaign.