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What makes this particularly significant: this is the first yield product accessible from the XRP Ledger where users retain self-custody throughout the entire flow. Your XRPL keys govern your associated Flare Smart Account. Control stays anchored to your XRPL account, the same account you already manage in Xaman.
For a wallet built entirely around self-custody, this is exactly the kind of integration we want to see builders bring to our users.
Xaman’s role in this integration is the same role it has always played: presenting data and transactions clearly while letting users sign them securely on their device.
What makes this technically interesting is how the integration works under the hood. Flare Smart Accounts embed data within standard XRPL transactions. When a user initiates an action through the Flare xApp in Xaman, the transaction payload includes both the payment instruction and a description of the desired outcome on the Flare network.
A solution that before required you to have two wallets on two networks, thanks to innovation, now requires you to have one, Xaman on the XRPL.
Xaman presents this to the user. The user reviews it. The user signs it. Everything after that, the cross-chain execution, the minting, the vault allocation, happens on Flare’s side using their infrastructure, displayed to you through the new Flare Smart Accounts xApp inside Xaman.
The signing stays on XRPL. The execution happens on Flare.
Robert Kiuru, COO of XRPL Labs:
“This is the first time our users can access yield on the XRPL with self-custody of their assets. That matters. Xaman has always been about self-custody, and Flare Smart Accounts extend that principle into territory that previously required handing over control. The signing stays in Xaman. The custody stays with the user.”
Open Xaman, tap xApps, and look for the Flare XRPFi Yield xApp integration.
https://xaman.app/detect/xapp:flare.yield
Through this xApp, Xaman users can access the earnXRP vault built by Upshift, one of Flare's ecosystem partners, with more to come. The vault offers a yield strategy for XRP, with deposits and vault interactions initiated through a single XRPL-signed transaction inside Xaman. No additional wallets, no extra key management.
Under the hood, Flare Smart Accounts coordinate the full lifecycle: FXRP minting, vault allocation, yield distribution, and redemption back to XRPL. These are complex cross-chain operations, but the xApp experience in Xaman presents them as a single, clear signing flow.
Upshift's vault strategies, risk management, and yield generation are operated entirely by Upshift and Flare. Xaman provides the wallet, the xApp framework, and the signing layer.
For questions or support related to Flare Smart Accounts or the earnXRP vault, reach out to Flare directly. Support can be found on Flare's homepage or within the xApp itself by tapping the "Info" tab.
Historically, interacting with functionality on other networks meant leaving your XRPL wallet entirely. New wallets, new recovery phrases, bridging steps, gas tokens. Every step introduced friction and risk.
The Flare Smart Accounts integration routes everything through a single XRPL-signed transaction inside Xaman. No additional wallets or key generation required from the user’s side.
This is possible because of how Xaman’s signing flow handles transaction payloads, and because the XRPL’s transaction structure is flexible enough to carry embedded intent data that other networks can observe and act on.
For builders, this is a reference case. It shows that sophisticated cross-chain products can be made accessible to XRPL users through the xApp framework without requiring those users to leave their wallet or manage new infrastructure.
This is part of a broader trend we are seeing across the Xaman xApp ecosystem. More teams are building products that use Xaman as the entry point and signing layer for functionality that extends beyond the XRP Ledger itself.
The Virtual Assets foundation introduced in Xaman 5.0.0 was designed with exactly this kind of use case in mind. When users commit assets to positions managed by third-party platforms, those positions are not always visible in a single place. Virtual Assets will help surface that information on the home screen, so users have a clearer view of what they own and where it sits.
Demand for yield on XRP is accelerating. Across the ecosystem, more teams are building products that let holders put their assets to work. Vaults, lending protocols, structured positions. What was once a niche corner of the XRPL is becoming one of its fastest-moving categories.
This integration with Flare Smart Accounts is another level of that movement. It is not just another yield option. It is a fundamentally different architecture, one where self-custody is preserved and cross-chain execution is abstracted away from the user entirely.
Xaman is where this activity is converging. As the go-to wallet on the XRP Ledger and the all-in-one ecosystem experience for XRPL users, Xaman is the natural access point for yield products as they mature.
Whether it is third-party vault platforms or self-custodial integrations like Flare Smart Accounts, the pattern is the same: builders bring the product, and Xaman gives users a secure, familiar way to interact with it.
The yield ecosystem on the XRPL is no longer emerging. It is here. And Xaman users are at the front of it.
Flare Smart Accounts, FAssets, and any associated vault products are developed, operated, and managed by Flare and their respective third-party partners. They are not developed, operated, or controlled by XRPL Labs or Xaman. Xaman serves solely as a signing interface for XRPL transactions.
While the Flare Smart Accounts architecture is designed to maintain user custody through XRPL key governance, interacting with DeFi protocols and vault strategies still carries inherent risks including but not limited to: smart contract vulnerabilities, cross-chain execution failures, counterparty exposure at the protocol level, liquidity constraints, and market volatility. Self-custody of keys does not eliminate protocol-level risk. Estimated returns are not guarantees of future results.
Do your own research. Before interacting with any third-party product through an xApp, understand how it works, what the risks are, where your assets go, and what you are agreeing to. Xaman does not endorse, guarantee, or take responsibility for the performance, security, or outcomes of any third-party xApp, protocol, or platform.
Feedback helps shape what comes next. If you run into anything, reach out on social media or via the Xaman Support xApp.
What makes this particularly significant: this is the first yield product accessible from the XRP Ledger where users retain self-custody throughout the entire flow. Your XRPL keys govern your associated Flare Smart Account. Control stays anchored to your XRPL account, the same account you already manage in Xaman.
For a wallet built entirely around self-custody, this is exactly the kind of integration we want to see builders bring to our users.
Xaman’s role in this integration is the same role it has always played: presenting data and transactions clearly while letting users sign them securely on their device.
What makes this technically interesting is how the integration works under the hood. Flare Smart Accounts embed data within standard XRPL transactions. When a user initiates an action through the Flare xApp in Xaman, the transaction payload includes both the payment instruction and a description of the desired outcome on the Flare network.
A solution that before required you to have two wallets on two networks, thanks to innovation, now requires you to have one, Xaman on the XRPL.
Xaman presents this to the user. The user reviews it. The user signs it. Everything after that, the cross-chain execution, the minting, the vault allocation, happens on Flare’s side using their infrastructure, displayed to you through the new Flare Smart Accounts xApp inside Xaman.
The signing stays on XRPL. The execution happens on Flare.
Robert Kiuru, COO of XRPL Labs:
“This is the first time our users can access yield on the XRPL with self-custody of their assets. That matters. Xaman has always been about self-custody, and Flare Smart Accounts extend that principle into territory that previously required handing over control. The signing stays in Xaman. The custody stays with the user.”
Open Xaman, tap xApps, and look for the Flare XRPFi Yield xApp integration.
https://xaman.app/detect/xapp:flare.yield
Through this xApp, Xaman users can access the earnXRP vault built by Upshift, one of Flare's ecosystem partners, with more to come. The vault offers a yield strategy for XRP, with deposits and vault interactions initiated through a single XRPL-signed transaction inside Xaman. No additional wallets, no extra key management.
Under the hood, Flare Smart Accounts coordinate the full lifecycle: FXRP minting, vault allocation, yield distribution, and redemption back to XRPL. These are complex cross-chain operations, but the xApp experience in Xaman presents them as a single, clear signing flow.
Upshift's vault strategies, risk management, and yield generation are operated entirely by Upshift and Flare. Xaman provides the wallet, the xApp framework, and the signing layer.
For questions or support related to Flare Smart Accounts or the earnXRP vault, reach out to Flare directly. Support can be found on Flare's homepage or within the xApp itself by tapping the "Info" tab.
Historically, interacting with functionality on other networks meant leaving your XRPL wallet entirely. New wallets, new recovery phrases, bridging steps, gas tokens. Every step introduced friction and risk.
The Flare Smart Accounts integration routes everything through a single XRPL-signed transaction inside Xaman. No additional wallets or key generation required from the user’s side.
This is possible because of how Xaman’s signing flow handles transaction payloads, and because the XRPL’s transaction structure is flexible enough to carry embedded intent data that other networks can observe and act on.
For builders, this is a reference case. It shows that sophisticated cross-chain products can be made accessible to XRPL users through the xApp framework without requiring those users to leave their wallet or manage new infrastructure.
This is part of a broader trend we are seeing across the Xaman xApp ecosystem. More teams are building products that use Xaman as the entry point and signing layer for functionality that extends beyond the XRP Ledger itself.
The Virtual Assets foundation introduced in Xaman 5.0.0 was designed with exactly this kind of use case in mind. When users commit assets to positions managed by third-party platforms, those positions are not always visible in a single place. Virtual Assets will help surface that information on the home screen, so users have a clearer view of what they own and where it sits.
Demand for yield on XRP is accelerating. Across the ecosystem, more teams are building products that let holders put their assets to work. Vaults, lending protocols, structured positions. What was once a niche corner of the XRPL is becoming one of its fastest-moving categories.
This integration with Flare Smart Accounts is another level of that movement. It is not just another yield option. It is a fundamentally different architecture, one where self-custody is preserved and cross-chain execution is abstracted away from the user entirely.
Xaman is where this activity is converging. As the go-to wallet on the XRP Ledger and the all-in-one ecosystem experience for XRPL users, Xaman is the natural access point for yield products as they mature.
Whether it is third-party vault platforms or self-custodial integrations like Flare Smart Accounts, the pattern is the same: builders bring the product, and Xaman gives users a secure, familiar way to interact with it.
The yield ecosystem on the XRPL is no longer emerging. It is here. And Xaman users are at the front of it.
Flare Smart Accounts, FAssets, and any associated vault products are developed, operated, and managed by Flare and their respective third-party partners. They are not developed, operated, or controlled by XRPL Labs or Xaman. Xaman serves solely as a signing interface for XRPL transactions.
While the Flare Smart Accounts architecture is designed to maintain user custody through XRPL key governance, interacting with DeFi protocols and vault strategies still carries inherent risks including but not limited to: smart contract vulnerabilities, cross-chain execution failures, counterparty exposure at the protocol level, liquidity constraints, and market volatility. Self-custody of keys does not eliminate protocol-level risk. Estimated returns are not guarantees of future results.
Do your own research. Before interacting with any third-party product through an xApp, understand how it works, what the risks are, where your assets go, and what you are agreeing to. Xaman does not endorse, guarantee, or take responsibility for the performance, security, or outcomes of any third-party xApp, protocol, or platform.
Feedback helps shape what comes next. If you run into anything, reach out on social media or via the Xaman Support xApp.
