XRPR vs. TLDR

Last updated Aug 1, 2026

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

Performance

XRPR vs. TLDR - Performance Comparison

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

Returns By Period

XRPR

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

TLDR

• 1D: 0.02%
• 1M: 0.33%
• 6M: 1.76%
• YTD: —
• 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

XRPR vs. TLDR - Yearly Performance Comparison

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

Correlation

The correlation between XRPR and TLDR 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

XRPR vs. TLDR - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for REX-Osprey XRP ETF (XRPR) and The Laddered T-Bill ETF (TLDR). 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

XRPR vs. TLDR - Drawdown Comparison

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

Drawdown Indicators

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

Volatility

Volatility by Period

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

XRPR vs. TLDR - Expense Ratio Comparison

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

Dividends

XRPR vs. TLDR - Dividend Comparison

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

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

Frequently Asked Questions

Can I hold both XRPR and TLDR in my portfolio?

XRPR and TLDR 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, XRPR or TLDR?

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, XRPR or TLDR?

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

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

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

What is the main difference between XRPR and TLDR?

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