Flare and Xaman bring one–click DeFi to Ripple as yield generation demand peaks

• Xaman wallet users can now access Flare DeFi vaults with a single XRPL transaction, eliminating the need for multiple wallets.
• The integration targets 2+ billion XRP sitting in Xaman wallets (3.5% of circulating supply), outside DeFi due to current technical frictions.
• FAssets, Flare Smart Accounts, and Xaman are at the core of the three-layer infrastructure. 

Layer 1 blockchain, Flare, and wallet provider, Xaman, have teamed up to launch a one-click DeFi integration protocol to enable XRP holders to access yield-generating vaults directly from their wallets. 

Per official documentation, the integration will allow users to compress transactions that previously required multiple wallets, bridging steps and gas tokens into a single XPRL-signed transaction.

The integration announced today, February 26, 2026, targets more than 2 billion XRP held in Xaman wallets, which represents about 3.5% of XRP’s circulating supply. However, that portion of the Ripple token supply has mostly remained outside DeFi due to some technical complexities. 

As such, the new system by Flare and Xaman could allow users to deposit XRP into Upshift’s earnXRP vault without leaving the Xaman interface or using another blockchain infrastructure.

Xaman tackles complexity problem in DeFi 

Wietse Wind, Xaman’s founder, spoke about the integration in documents reviewed by Cryptopolitan: “This integration lets our users explore new options directly from the wallet they already know, while keeping full control of their keys and decisions.”

Up until now, accessing cross-chain yield on XRP has meant multiple wallets, bridging assets, different gas tokens across networks, and a catalog of DeFi interfaces. Each step added a new obstacle that kept a lot of XRP holders outside DeFi.

That situation created what some called a liquidity problem that wasn’t affecting the Ripple economy, especially since billions of XRP sat idly despite various available DeFi infrastructure. 

The Flare-Xaman integration is now being tipped to reduce these steps into a single transaction, with the system automatically handling FXRP minting, vault allocation, and yield distribution.

Three-layer tech stack solution

The new integration operates on three interconnected layers. First, FAssets will create FXRP, a wrapped version of XRP functioning within Flare’s ecosystem. FXRP also maintains a 1:1 backing due to overcollateralized vaults on the XRP ledger, thus enabling smart contracts to interact without compromising their security.

On the second layer, Flare Smart Accounts introduce chain abstraction through an intent-based execution model. This means that when users submit a deposit transaction from XRPL, it includes instructions for the desired outcome (like allocating XRP into a specific vault). The Flare Data Connector then verifies the transaction, and the Smart Account controllers execute the necessary actions on the Flare mainnet.

An important detail for users of the Flare-Xaman integration is that authorization stays tied to XRPL signatures throughout the process. This ensures that users never transfer custody or manage private keys on multiple blockchains.

The third layer contains Xaman’s self-custodial front-end interface. The wallet embeds the entire process directly within its interface, so users can access DeFi without downloading new applications or creating additional accounts.

Demand for XRP-based DeFi takes off

According to Hugo Philion, the co-founder and CEO of Flare, “This integration represents an important step in positioning Flare as the execution layer for XRPFi. By combining trust-minimized asset representation, chain-abstracted execution, and wallet-native access, we are rebuilding infrastructure that supports both retail users and institutional strategies.”

The new system supports both retail users who want simple yield access and institutional players requiring production-grade infrastructure. The underlying numbers suggest the same, as Flare’s TVL (total value locked) peaked near $220 million just this year. FXRP supply also grew past 100 million tokens, with over 37,000 minting transactions completed since September 2025.

Institutional interest continues growing as well. Doppler Finance and SBI Ripple Asia announced a December partnership to develop institutional-grade XRP yield products, marking SBI Ripple Asia’s first collaboration with a native XRPL protocol. 

The move signals demand for yield-focused blockchain infrastructure. Wietse shared earlier this month that three more XRP yield providers plan to launch soon on Xaman’s front end, potentially creating more access points for XRP-based yield generation.