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One Signature XRPFi for All

Flare Updates

Billions of XRP sit in wallets doing nothing. Not because holders don't want yield. Because getting there meant new wallets, new chains, bridging steps, gas tokens, and enough friction to make most people stop before they start.

That changes today. Flare Smart Accounts v1.3 collapses the entire path from XRP to yield into a single XRPL signature. One sign. Non-custodial. No new chain to learn.

Previously, the flow required two separate XRPL signatures. v1.3 merges them into one. Pick a vault, sign once from the XRPL wallet you already use, and FSA handles the rest on Flare automatically. FXRP mints, deposits into your chosen vault, and starts earning. Your XRP collateral stays on XRPL, backed 1:1, under your control.

No separate EVM wallet. No gas token. No manual bridging.

How it works

FSA treats XRPL as the control layer. When you sign an XRPL transaction, the memo field encodes what should happen on Flare: how much FXRP to mint, which vault to deposit into. Flare Data Connector (FDC) proves that transaction onto Flare. A proxy smart contract mapped to your XRPL address executes the instruction on the EVM side. One EVM account per XRPL address, controlled only by that address.

Authorization is proof-based, not signature-verification-based. Custody is non-custodial. No separate EVM key, no session-key delegation, no third party holding funds.

More vaults, more choice

FSA now connects to two FXRP yield vaults. Each runs a different strategy with a different risk profile. Users choose where their FXRP goes.

Monarq XRP Yield Vault: Monarq (majority-owned by FalconX) runs a multi-strategy vault across three structurally uncorrelated sleeves: options, basis and funding rate capture, and on-chain DeFi. The vault rebalances dynamically based on market regime, overweighting whichever sleeve offers the best risk-adjusted return at any given time.

Clearstar's Flare XRP Yield Vault (NEW): Clearstar runs a fully on-chain DeFi strategy, deploying FXRP across lending and supply protocols on Flare including Avant and Euler. Every position is verifiable on-chain in real time. Clearstar was the first vault built on Upshift for FXRP and has held over 33M FXRP in deposits.

These are actively managed strategies, not fixed-rate savings products. Returns move week to week. Some weeks beat the estimate, some don't. That is normal for any managed strategy.

Clearstar's vault is fully on-chain: every deployment transparent and verifiable. Monarq's vault blends on-chain and off-chain strategies, targeting managed, multi-strategy XRP yield. with a different risk and transparency profile. They serve different preferences. More vaults with varying strategies are coming.

More wallets

FSA now supports five wallet connections, expanding access well beyond the original integrations

  • D'CENT: hardware-secured, live since May 2026
  • Xaman (NEW): XRPL-native software wallet
  • Joey Wallet (NEW): non-custodial XRPL gateway with in-wallet FSA integration
  • Ledger (NEW): hardware wallet to access the FSA dApp via Ledger Live
  • WalletConnect (NEW) — WalletConnect-compatible access including Bifrost via the FSA dAp

Any XRPL wallet that supports these connection methods can reach Flare's yield infrastructure directly.

Joey Wallet: FSA inside the wallet

Joey Wallet is embedding FSA as an in-wallet dApp. Their users can mint FXRP and deposit into vaults without leaving the wallet.

Joey is a self-custodial wallet built for XRPL. Onboarding takes under 3 seconds. Users choose between full self-custody or simplified social login via Web3Auth, secured by biometric and PIN authentication. No KYC, no personal data collection. With FSA inside Joey, that same low-friction experience now extends to Flare's DeFi.

"There's a lot of overlap between the XRPL and Flare communities, so integrating Flare Smart Accounts just made sense," said Christopher Troia, Co-Founder of Joey Wallet. "It brings a breath of fresh air for XRP holders, letting them start putting their XRP to work in a seamless way."

Start today

Since February 2026, FXRP in DeFi has grown nearly 75% (82M → 144M). More than 40M XRP is actively earning yield through Xaman and D'CENT. Nearly 24,000 smart accounts created. That was with two signatures and two vaults.

With v1.3, that same access now extends to Ledger, Bifrost, and Joey Wallet. More wallets, more vaults, one signature.

Start at fsa.flare.network, or through the in-wallet experience on Xaman, D'CENT, or Joey Wallet.

One signature. Non-custodial. XRPFi for all.