Flare Smart Accounts

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 maintained 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 their existing XRPL wallet without creating new wallets, managing additional seed phrases, or navigating unfamiliar tools.

This integration marks the first time self-custodial yield can be accessed directly through XRPL wallets via XRPL-native execution.

How it works

Flare Smart Accounts embed intent data within standard XRPL transactions.

• An operator monitors incoming XRPL transactions to a designated address.
• When a payment is received, 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.

In simple terms: users sign transactions on XRPL, and the requested actions are executed on Flare through their personal smart 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.

This allows DeFi access for XRP holders to scale across the ecosystem over time while using familiar tools and interfaces.

FXRP is a trust-minimized representation of XRP designed for use across DeFi protocols including lending markets, liquidity pools, vault strategies, and structured products within the Flare ecosystem.

Secure by design