Accessing DeFi with XRP just became significantly simpler. Flare and Xaman have launched a one-click vault integration that allows XRP holders to put their assets to work directly from the Xaman wallet, without leaving the XRP ecosystem or managing complex cross-chain steps.
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The new integration enables users to deposit XRP into a curated DeFi vault on Flare through a single transaction signed on the XRP Ledger (XRPL). Behind the scenes, the system handles asset representation, cross-chain execution, and vault allocation automatically.
Users don’t need to download new wallets, manually bridge assets, or manage additional gas tokens. The process remains anchored to XRPL signatures, preserving full self-custody while expanding access to programmable yield strategies.
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How the Integration Works
The system is built on three core infrastructure layers:
FAssets, which enable trust-minimized XRP representation across DeFi networks
Flare Smart Accounts, which introduce chain abstraction while keeping user authorization on XRPL
Xaman, a widely used self-custodial wallet for the XRP ecosystem
Through this integration, Xaman users can access Upshift’s curated earnXRP vault directly from the wallet interface. While the deposit appears simple on the surface, the underlying process coordinates FXRP minting or redemption, vault allocation, capital deployment, and yield management in the background.
Vault strategy construction, capital allocation, risk management, and yield distribution are handled by Upshift and its curator, Clearstar. Importantly, users maintain control of their private keys throughout the process.
“Xaman has always focused on giving XRP holders simple, secure tools,” said Wietse Wind, founder of Xaman. “This integration lets our users explore new options directly from the wallet they already know, while keeping full control of their keys and decisions.”
Chain Abstraction With XRPL Authorization
A key technical component enabling this experience is Flare Smart Accounts.
Smart Accounts use an intent-based execution model. When a user submits a deposit from XRPL, the transaction includes instructions describing the desired outcome — for example, allocating XRP into a specific vault strategy.
The Flare Data Connector verifies the XRPL transaction, after which Smart Account controllers execute the necessary actions on Flare. Throughout this process, user authorization remains tied to XRPL signatures, ensuring self-custody is preserved.
Rather than requiring users to interact directly with multiple chains, the infrastructure coordinates execution behind the scenes.
Unlocking XRP Liquidity for DeFi
Xaman provides access to more than 2 billion XRP — capital that has largely remained outside DeFi due to technical friction and onboarding complexity.
By reducing the process to a single XRPL transaction, the integration lowers barriers that historically limited XRP participation in yield-generating strategies. Instead of requiring multiple wallets, bridges, and token management, users can access programmable finance from within a familiar interface.
Momentum across the broader XRPFi ecosystem continues to build. FXRP has surpassed 100 million in minted supply, with the majority deployed across lending markets, collateral systems, and vault strategies. More than 60 million FXRP is currently staked across structured products and related infrastructure, reflecting growing use of programmable XRP in live environments.
“This integration represents an important step in positioning Flare as the execution layer for XRPFi,” said Hugo Philion, co-founder and CEO of Flare. “By combining trust-minimized asset representation, chain-abstracted execution, and wallet-native access, we are building infrastructure that supports both retail users and institutional strategies.”
Simplifying DeFi Participation
One of the most persistent barriers to DeFi adoption has been complexity. Until now, accessing cross-chain yield often required managing multiple wallets, bridging assets manually, handling gas tokens, and navigating unfamiliar interfaces.
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The Flare and Xaman integration reduces that process to a single signed transaction on XRPL. The infrastructure handles representation, execution, and coordination automatically.
As Smart Accounts expand to additional wallets, assets, and integrations, the goal is clear: make access to programmable finance simpler and more intuitive — allowing users to interact through familiar tools while complex execution happens in the background.
For XRP holders, that means yield access without leaving the ecosystem they already use.
