Flare Smart Accounts (FSA) enable XRP holders to mint and redeem FXRP and access DeFi on Flare directly from an XRPL wallet such as Xaman. Flare Smart Accounts simplify cross-chain interactions. They combine what would normally require multiple steps — minting FXRP, navigating dApps, and managing activity across different interfaces — into a single, unified flow.
Users authorize actions from their XRP address on the XRP Ledger (XRPL), and the requested actions are executed on Flare, while self-custody is retained throughout. Flare Smart Accounts are launching with Xaman wallet, bringing XRP-native access to FXRP minting and supported Flare applications directly into a compatible XRPL wallet. Users can initiate DeFi actions from within their existing XRPL wallet without creating new wallets, managing new seed phrases, or navigating unfamiliar tools and dApps. This integration marks the first time self-custodial yield can be accessed directly through XRPL wallets via XRPL-native execution.
Flare Smart Accounts embed intent data within standard XRPL transactions. An operator monitors incoming XRPL transactions to a designated address. Upon receiving the payment, the operator requests a Payment proof via the Flare Data Connector. The verified proof is submitted to the MasterAccountController contract on Flare.
The corresponding instruction is executed by the user’s mapped smart account. Simply put, signing transactions happens on XRPL, then the requested actions are carried out on Flare by the user’s personal account. Flare Smart Accounts rely on the Flare Data Connector to verify XRPL Payment transactions before execution occurs on Flare. FXRP is a trust-minimized, verifiably backed representation of XRP designed for use across DeFi protocols.
It is composable across lending markets, liquidity pools, vault strategies, and structured products within the Flare ecosystem. Its security model is enforced through verifiable backing and overcollateralized minting mechanics. Over 100M FXRP has been minted — with most of it already working across DeFi dApps — highlighting accelerating adoption of XRPFi infrastructure. Actions on Flare are executed only when authorized by the originating XRP address.
XRPL transactions are verified using the Flare Data Connector before execution. Smart accounts are uniquely mapped to their XRPL address and cannot be controlled by other accounts. Your XRPL keys govern your associated Flare Smart Account. Control stays anchored to your XRPL account, the same account you already manage in Xaman.
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