Flare and Xaman have launched a one-click DeFi vault enabling XRP holders to earn yield directly within XRPL wallets.
Flare and Xaman have unveiled a new DeFi access point that begins directly within an XRPL wallet, enabling XRP holders to deploy their assets into yield-generating strategies without leaving the XRPL environment. Built on Flare Smart Accounts and FAssets infrastructure, the one-click DeFi vault is designed to abstract cross-chain complexity while preserving user custody and familiarity.
Through the integration, Xaman users can deposit XRP into a curated DeFi vault on Flare via a single XRP-signed transaction. Asset representation, cross-chain execution, and strategy allocation are coordinated at the infrastructure level, eliminating the need for additional virtual asset management or separate wallet setups. The development represents a structural step forward for XRPFi, aligning liquidity, execution, and user experience within a unified framework.
The system operates through the combination of three infrastructure layers. FAssets provide the liquidity foundation by enabling trust-minimized asset representation, allowing XRP to be utilized across connected DeFi networks with verifiable backing and enforceable collateralization.
Flare Smart Accounts introduce chain abstraction, allowing users to initiate actions from XRPL wallets while computation and settlement occur on Flare. Complex cross-chain operations are automatically coordinated in the background.
Xaman serves as the distribution and interface layer. As a leading self-custodial wallet in the XRP ecosystem, Xaman provides a familiar and trusted environment through which users can access third-party financial functionality.
“Xaman has always focused on giving XRP holders simple, secure tools,” said Robert Kiuru, COO of Xaman. “This integration allows our users to explore new options directly from the wallet they already know, while maintaining full control of their keys and decisions.”
Via the Flare Smart Accounts integration, Xaman users can directly access Upshift’s curated earnXRP vault. While the interface presents a simplified deposit experience, multiple synchronized processes occur underneath, including FXRP minting or redemption back to XRPL, vault allocation, and yield claiming. All actions are initiated through a single XRP-signed transaction within the wallet, removing the need to manage additional wallets.
Once deposited, assets are deployed into Upshift’s vault strategies, with yield distributed in FXRP — a verifiably represented 1:1 form of XRP exposure that accrues returns.
Unlike single-source yield products, the earnXRP vault employs diversified on-chain capital deployment. Deposited FXRP is allocated across liquidity provisioning, lending markets, collateralized borrowing systems, and structured yield positions. The diversified framework is designed to maintain yield consistency while reducing reliance on any single incentive program or market condition.
All allocations are executed transparently on-chain within predefined vault parameters. Strategy construction, risk monitoring, and capital rebalancing are actively managed by Clearstar, the vault’s curator, under a risk-first deployment framework.
Yield generated through these activities is distributed in FXRP, either paid out directly or compounded back into vault positions over time. While the vault may accumulate ecosystem incentives or protocol points from underlying deployments, these are treated as supplemental upside rather than the primary source of return. Withdrawals are processed on-chain and typically settle within one to two days, reflecting the time required to unwind underlying market positions rather than fixed lockup periods.
Xaman currently provides access to more than 2 billion XRP, highlighting the scale of dormant liquidity within the ecosystem. Flare Co-Founder and CEO Hugo Philion has previously noted that much of this XRP has remained outside DeFi due to onboarding friction, fragmented tooling, and execution complexity.
Historically, accessing yield required XRP holders to download new wallets, learn unfamiliar chains, manually bridge assets, acquire gas tokens, and navigate interfaces primarily designed for crypto-native users. Flare Smart Accounts remove these operational barriers at the infrastructure layer. No additional wallets, key generation, or recovery phrases are required, bridging is handled in the background, and gas management is integrated into the execution flow.
Flare Smart Accounts operate through an intent-based execution architecture. When a user deposits from an XRPL wallet, the transaction includes both payment data and an embedded instruction specifying the intended outcome, such as allocating XRP into a specific vault strategy.
The transaction is observed and verified via the Flare Data Connector (FDC), which attests to activity on XRPL. Once validated, Smart Account controllers execute the required operations on Flare, including minting FXRP, allocating assets, and interacting with DeFi protocols on the user’s behalf.
Execution occurs entirely on Flare, while user authorization remains anchored to XRPL signatures. This structure enables XRP holders to access programmable finance without relinquishing custody or operational familiarity. The process is fully non-custodial, with funds remaining under the control of the user’s XRPL account, which governs its associated Flare Smart Account.
The launch supports Flare’s broader objective of positioning itself as the default execution layer for XRPFi. By combining trust-minimized asset representation through FAssets, chain-abstracted execution via Smart Accounts, and wallet-native access through Xaman, Flare is building an end-to-end XRPFi stack capable of supporting both retail participation and institutional strategy deployment.
FXRP has surpassed 100 million in minted supply, with the majority already deployed across lending markets, collateral systems, and vault strategies. Structured products such as Firelight have seen increasing participation and rising staked FXRP caps, signaling a transition from experimental liquidity to production-grade capital infrastructure.
As Smart Accounts expand to additional wallets, assets, and DeFi integrations, Flare aims to drive XRPFi growth through simplicity rather than complexity — integrating FXRP, smart contract execution, and yield infrastructure seamlessly into XRPL-native experiences.
