In partnership with the Flare network, Xaman launched yesterday a new xApp called Flare XRPFi Yield. This allows users to deposit their XRP into yield-generating vaults directly from the familiar Xaman interface, without ever leaving the XRPL ecosystem. Over 2 Billion XRP Finally Activated According to official announcements from Xaman and Flare, more than 2 billion XRP (approximately 3.5% of the circulating supply, valued at around $3 billion at launch) have been sitting idle in Xaman wallets. Until now, participating in DeFi typically required:

Creating a wallet on another chain Bridging XRP via cross-chain solutions Paying gas fees Managing wrapped assets Accepting risks from third-party custody or complex smart contracts

All of that changes with this integration. Users sign a single transaction on the XRP Ledger, and the process happens seamlessly in the background using three key Flare technologies:

FAssets: Represents XRP as FXRP (a programmable version on Flare) Flare Smart Accounts: Abstracts away complexities (secondary wallets, gas, etc.) while preserving full self-custody Curated vaults (launched with Upshift’s earnXRP): Pre-vetted DeFi strategies that generate yield (lending, liquidity provision, etc.)

Yield is distributed in FXRP (a yield-bearing version of XRP), and positions can be tracked directly in the Xaman app. Full Self-Custody: A First on XRPL Xaman emphasizes a critical point: this is the first solution enabling genuine self-custodial DeFi yield directly from a native XRPL wallet. Private keys remain under the user’s exclusive control throughout the entire process—no third-party custody, no new seed phrase required. The launch saw explosive early adoption: within just 7 hours of deployment, over 1.3 million FXRP were minted and deposited through the integration. How It Works in Practice

Update Xaman to the compatible version Go to xApps → open Flare XRPFi Yield (direct link: xaman.app/detect/xapp:flare.yield) Select the vault (currently Upshift earnXRP, with variable APY around 2-3% at launch, subject to market changes) Enter the amount of XRP to deposit Sign the XRPL transaction (minimal fees + ~0.5% deposit fee based on community reports) Monitor accumulated yields directly in the app

To withdraw: Follow a similar process (sign a transaction), with a short unwind period (1-2 days) and a modest withdrawal fee (~0.2%). Reactions and Outlook The XRP community has largely welcomed this advancement for its simplicity and alignment with decentralization principles. Crypto media outlets like CoinDesk, CoinMarketCap, and Cryptopolitan quickly covered the announcement, highlighting the potential to significantly boost TVL (Total Value Locked) in XRP-native DeFi. Some cautious voices remind users of inherent risks: yield volatility, smart contract exposure (even if audited), and the recommendation to start with small amounts for testing. Official Links

Xaman Blog: https://xaman.app/blog/flare Flare Announcement: https://flare.network/news/one-click-defi-vault-xaman-flare-smart-accounts Xaman Website: https://xaman.app Launch Vault (Upshift): Integrated directly in the xApp

Xaman continues to solidify its position as the go-to wallet for the XRP and Xahau ecosystems, turning one of XRPL’s historic strengths—simplicity and speed—into a massive gateway to modern DeFi. It remains to be seen whether this integration will spark a snowball effect for XRP DeFi adoption. One thing is certain: for millions of holders, earning yield on their XRP has never been easier.