Flare Smart Accounts
Control assets from XRPL. Execute on Flare
A new way for XRP holders to access institutional yield and programmable finance — without leaving their XRPL wallet.
Control assets from XRPL. Execute on Flare
A new way for XRP holders to access institutional yield and programmable finance — without leaving their XRPL wallet.
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.
Available in
D'CENT
XRP holders using D'CENT — a hardware wallet trusted by 330,000+ hardware users and 720,000+ app users — can now deposit XRP into curated Flare vaults directly from their device. Two XRPL signatures. No new wallet, no new chain, no FLR gas.
The Monarq XRP Yield Vault is now live on D’CENT via FSA.. Read the integration announcement.
Xaman
Flare Smart Accounts also available inside Xaman as an xApp, 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.
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
Wallet-agnostic by design
FSA operates at the infrastructure layer, not the wallet layer. That means it integrates with wallets, exchanges, and dApps without requiring users to leave the tools they already trust — and without requiring wallets to support a new signing primitive.
For wallets: XRPL is the only signing surface. If your wallet signs standard XRPL Payment transactions today, the integration lift is minimal — FSA tooling handles the memo encoding that maps each signature to a Flare action. No EVM keys, no new key types.
For users: Funds stay under XRPL signature control. No separate seed phrase, no EVM address to manage, no gas token to hold.
D'CENT and Xaman are live. More integrations to follow. If you've built a wallet supporting XRP, talk to us.
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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
Key-controlled 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.
Build with Flare Smart Accounts
Enable XRPL-native execution paths in your dApps with Flare Smart Accounts.
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