We’re excited to introduce Prime Vault 3 (Overseas) — bringing secure, hardware-based access to XRPfi yields for English and Japanese users around the world.
Key Information
- •💎 New Prime Vault 3 (Overseas) exclusively for overseas users
- •📈 Target APR: 3.5% (2.5% base + 1.0% bonus)
- •🕘 Opens: October 22, 2025, 06:00 UTC
Background: Expanding After Record Demand
The first XRPfi Prime Launch in September received tremendous support from the community. Both the Standard Vault and Prime Vault reached full capacity within 24 hours of opening.
Due to the overwhelming participation, the Standard Vault cap was expanded from 3 million XRP to 9 million XRP — and it filled again over the weekend, underscoring the continued enthusiasm and trust of XRPfi users worldwide.
Following this success, an additional 1.5 million XRP Prime Vault was also opened and filled quickly, further demonstrating strong global interest in XRPfi through D’CENT’s secure hardware wallet integration.
To thank users for their support and welcome more participants worldwide, D’CENT and Doppler Finance are launching Prime Vault 3 (Overseas) for English and Japanese users beyond Korea.
Prime Vault 3 (Overseas) Overview
🏆 Purpose
A limited-time vault created to reward early overseas participants 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 begins either 1 month after launch or once the total deposit cap of 3,000,000 XRP is reached — whichever comes first.
💡 Target APR
- •2.5% base Target APR, continuously applied.
🎁 Bonus (+1%)
- •For the first 5 weeks, an additional +1% Target APR is offered, resulting in up to 3.5% APR during this period.
- •Note: This bonus will not appear in the real-time yield display. 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 the Standard Vault.
- •Bonus rewards (+1%) will be distributed separately at the same time.
📊 Deposit Cap
- •Total: 3,000,000 XRP
- •Per user: No cap
⭐ DP Points x 2
🕘 Vault Opening: October 22, 2025, 06:00 UTC
✅ Eligibility: Overseas users of the D’CENT app (English and Japanese users).
This new Prime Vault 3 continues D’CENT’s vision of bringing institutional-grade CeDeFi yield strategies securely to global retail users via the XRP Ledger.
How to Participate
Detailed step-by-step instructions can be found through the official user guide.
- 1. Open the D’CENT app → tap Discovery.
- 2. Select Doppler Finance or the Prime Vault (3.5% APR) banner.
- 3. Connect your XRPL wallet and confirm deposit details.
- 4. Deposit XRP to join the Prime Vault 3.
- 5. Track your holdings and yield directly in the app.
Withdrawals
- •Standard Vault: request anytime → 7-8 day redemption → funds sent to your withdrawal address
- •Prime Vault: funds locked for 3 months after vault close → auto-moved to Standard Vault → +1% Boost paid separately by D’CENT at maturity (not shown as ongoing interest on screen)
Regional Availability
- •Available: This campaign is available to global users through English and Japanese D'CENT App.
- •Unavailable: Service is not available in restricted jurisdictions, including (but not limited to): United States, China, Russia, North Korea, Iran, and Syria. D’CENT follows jurisdictional and geo-fencing regulations; users located in these regions will not be able to participate.
- •For the full list of restricted countries and regions, please refer to the Official User Guide
Important Notes
- •Service availability follows jurisdictional restrictions and geo-fencing policies.
- •Early withdrawal is not available for the Prime Boost Vault.
- •D’CENT and its partners (including Doppler Finance) apply geo-fencing measures to block deposits or participation from restricted regions.
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 +1% 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 +1% 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 +1% 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 +1% Launch Boost Target APR in the app interface?
The +1% 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.
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.