Flare Smart Accounts

Flare Smart Accounts

A new way for XRP holders to access programmable finance — without leaving XRPL.

What are Flare Smart Accounts?
How it works
Secure by design

What are Flare Smart Accounts?

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.

Launching with Xaman

_{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.}

_{Learn more in the}_{partnership announcement}_.

How it works

Flare Smart Accounts embed intent data within standard XRPL transactions. Here’s what happens behind the scenes:

When a user submits a Payment transaction on XRPL:

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.

Powered by Flare's native infrastructure

Flare Data Connector
Flare Smart Accounts rely on the Flare Data Connector to verify XRPL Payment transactions before execution occurs on Flare.
FAssets
They are also used within the FAssets (FXRP) workflow, enabling XRP holders to mint and redeem FXRP directly from compatible XRPL wallets.

Built to scale

Because Flare Smart Accounts operate at the infrastructure layer, they are designed to integrate with wallets, exchanges, and dApps, allowing DeFi access for holders to scale across the ecosystem over time. This allows users to access Flare-based DeFi through familiar interfaces and tools they already trust.

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.

Secure by design

Flare Smart Accounts reduce operational complexity without changing trust assumptions.

XRPL-anchored authorization

Actions on Flare are executed only when authorized by the originating XRP address.

FDC-verified

XRPL transactions are verified using the Flare Data Connector before execution.

Address-mapped accounts

Smart accounts are uniquely mapped to their XRPL address and cannot be controlled by other accounts.

_{This preserves XRPL custody while enabling verified execution on Flare}