XRP Holders Can Now Earn DeFi Yields With a Single Click

Flare Networks and Xaman Wallet have launched a one-click DeFi integration that allows XRP holders to access yield-generating vaults directly from their existing wallets, targeting more than 2 billion XRP sitting idle in Xaman accounts that have historically remained unused due to the technical complexity of accessing DeFi on the XRP Ledger.

The Problem It Solves

That 2 billion XRP figure is the starting point for understanding why this integration matters. It represents approximately 3.5% of the total circulating XRP supply, held by users who have not moved their assets into yield-generating positions not because they lack interest, but because the process of doing so has required bridging between blockchains, holding separate gas tokens, and navigating infrastructure that most retail holders are not equipped to manage.

Until now, accessing DeFi from an XRPL wallet meant leaving the familiar environment, acquiring FLR tokens to cover network fees on Flare, manually wrapping XRP into a compatible format, and then executing the deposit. Each step introduced friction and risk of error. The result was predictable: billions in idle capital that stayed idle.

How It Works Now

The new integration collapses that entire process into a single transaction signed within the Xaman wallet. A user navigates to the Flare XRPFi Yield xApp within Xaman’s xApps section, selects a vault, and signs once on the XRP Ledger. Everything else happens automatically in the background.

The infrastructure running behind that single signature is a three-layer stack. FAssets, the first layer, creates FXRP, a trust-minimized wrapped version of XRP that can interact with smart contracts on the Flare network. The second layer, Flare Smart Accounts, handles chain abstraction by executing the full sequence of minting FXRP and depositing into the target vault based on that single XRPL signature. Xaman serves as the user-facing interface throughout, meaning the user never leaves the app they already have installed.

No gas tokens are required. The backend handles fee execution automatically, removing what has historically been one of the more confusing barriers for non-technical users approaching cross-chain DeFi for the first time.

The primary vault available at launch is earnXRP, managed by Flare ecosystem partner Upshift and curated by Clearstar, focusing on lending and structured products.

Self-Custody Throughout

One detail worth separating from the convenience narrative is the custody structure. Users retain full control of their private keys and assets throughout the entire process. This is the first time XRPL users have been able to access yield while maintaining complete self-custody, which matters considerably for a user base that has historically been cautious about moving assets onto platforms where custody transfers to a third party.

The combination of one-click simplicity and retained self-custody is the core design achievement here. Previous DeFi integrations have generally required users to trade one for the other.

Adoption Numbers So Far

The market response ahead of and following the launch has been measurable. Flare’s total value locked reached a peak of nearly $220 million, with over 100 million FXRP minted to date. Approximately 60 million FXRP are currently deployed in staking programs and structured products.

Those figures represent meaningful early traction for an ecosystem that is explicitly targeting idle capital rather than competing for assets already active in DeFi. The addressable pool, 2 billion XRP sitting unused in Xaman wallets alone, is large enough that even modest conversion rates translate into significant TVL growth.

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