TLDR vs. XRPR

Last updated Aug 2, 2026

TLDR (The Laddered T-Bill ETF) and XRPR (REX-Osprey XRP ETF) are both exchange-traded funds - TLDR is a Ultrashort Bond fund actively managed by REX Shares, while XRPR is a Cryptocurrency fund tracking the XRP. TLDR is actively managed, while XRPR is passively managed. Their -0.10 correlation means they have often moved in opposite directions in the past. TLDR charges 0.20%/yr vs 0.75%/yr for XRPR.

Performance

TLDR vs. XRPR - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in The Laddered T-Bill ETF (TLDR) and REX-Osprey XRP ETF (XRPR). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

TLDR

• 1D: 0.02%
• 1M: 0.33%
• 6M: 1.76%
• YTD: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —
• ALL TIME*: —

XRPR

• 1D: -2.47%
• 1M: -2.58%
• 6M: -39.04%
• YTD: -42.06%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —
• ALL TIME*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
TLDR The Laddered T-Bill ETF	$4.55M	$2.20M	$886.93K
XRPR REX-Osprey XRP ETF	$159.08K	$159.59K	$242.33K

TLDR vs. XRPR - Yearly Performance Comparison

	2026 (YTD)
TLDR The Laddered T-Bill ETF	1.82%
XRPR REX-Osprey XRP ETF	-44.22%

Correlation

The correlation between TLDR and XRPR is -0.10, meaning they have often moved in opposite directions in the past. This relationship can weaken or reverse as market conditions change.

	Correlation
Correlation (All Time) Calculated using the full available price history since Jan 21, 2026	-0.10

Return for Risk

TLDR vs. XRPR - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for The Laddered T-Bill ETF (TLDR) and REX-Osprey XRP ETF (XRPR). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Drawdowns

TLDR vs. XRPR - Drawdown Comparison

The maximum TLDR drawdown since its inception was -0.06%, smaller than the maximum XRPR drawdown of -67.27%. Use the drawdown chart below to compare losses from any high point for TLDR and XRPR.

Drawdown Indicators

	TLDR	XRPR	Difference
Max Drawdown Largest peak-to-trough decline	-0.06%	-67.27%	+67.21%
Current Drawdown Current decline from peak	-0.04%	-66.38%	+66.34%
Average Drawdown Average peak-to-trough decline	-0.01%	-45.14%	+45.13%

Volatility

Volatility by Period

	TLDR	XRPR	Difference
Volatility (1Y) Calculated over the trailing 1-year period	0.42%	74.44%	-74.02%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	0.42%	74.44%	-74.02%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	0.42%	74.44%	-74.02%

TLDR vs. XRPR - Expense Ratio Comparison

TLDR has a 0.20% expense ratio, which is lower than XRPR's 0.75% expense ratio.

Dividends

TLDR vs. XRPR - Dividend Comparison

TLDR's dividend yield for the trailing twelve months is around 1.76%, while XRPR has not paid dividends to shareholders.

Position	TTM
TLDR The Laddered T-Bill ETF	1.76%
XRPR REX-Osprey XRP ETF	0.00%

Frequently Asked Questions

Can I hold both TLDR and XRPR in my portfolio?

TLDR and XRPR have a correlation of -0.10, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which ETF is better, TLDR or XRPR?

On fees, TLDR is cheaper at 0.20% per year. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF is cheaper, TLDR or XRPR?

TLDR is cheaper with a 0.20% expense ratio, compared with 0.75% for XRPR.

Which ETF pays a higher dividend yield, TLDR or XRPR?

TLDR has the higher dividend yield at 1.76%, compared with 0.00% for XRPR.

What is the main difference between TLDR and XRPR?

TLDR is categorized as Ultrashort Bond, while XRPR is Cryptocurrency. Their fees differ too: 0.20% for TLDR and 0.75% for XRPR.