Flare Network and Xaman (formerly Xumm) have announced a major integration that enables one-click access to DeFi for more than 2 billion XRP, valued at roughly $3 billion, currently held in Xaman wallets.
The upgrade removes technical barriers that previously limited XRP holders from participating in decentralized finance.
At the core of the integration is a system that condenses what used to be multiple cross-chain steps into a single user action directly from the XRP Ledger (XRPL).
Flare Smart Accounts eliminate the need for users to manage separate EVM wallets or hold gas tokens. Transactions are authorized using existing XRPL credentials, streamlining the process.
The system also relies on the FAssets protocol, which creates a trust-minimized wrapped version of XRP on Flare (FXRP). This allows XRP to interact with smart contracts while the original asset remains secured on the XRPL.
Through the new Flare XRPFi Yield xApp inside Xaman, users can deposit XRP into yield-generating vaults with a single signing flow, no manual bridging required.
The integration targets what the teams describe as “idle” XRP, assets that were effectively excluded from DeFi due to technical hurdles such as bridging complexity and multi-wallet management.
Initial vault strategies are managed by Upshift and curated by Clearstar, focusing on lending, collateralized positions, and structured yield opportunities.
The move builds on strong momentum in Flare’s XRPFi ecosystem. In late 2025, the initial 5 million FXRP mint cap was reached in under four hours, highlighting significant demand for XRP-based DeFi exposure.
The launch comes amid rising institutional interest in XRP, including steady ETF inflows and increasing staking participation throughout early 2026.
By enabling frictionless DeFi access directly from a widely used XRP wallet, Flare and Xaman aim to unlock new liquidity while preserving user familiarity and security within the XRP ecosystem.
