Flare Introduces Smart Accounts

February 27, 2026

Flare Smart Accounts (FSA) offer XRP holders a convenient way to mint and redeem FXRP and access decentralized finance (DeFi) applications on the Flare network directly from their XRPL wallet, such as Xaman. These smart accounts streamline cross-chain interactions by consolidating multiple steps, such as minting FXRP, interacting with dApps, and managing activities across various interfaces, into a seamless process. Users can authorize actions from their XRP address on the XRP Ledger (XRPL), and the requested actions will be executed on Flare, all while maintaining self-custody throughout the process.

The launch of Flare Smart Accounts in conjunction with the Xaman wallet allows XRP holders to access FXRP minting and supported Flare applications directly through their existing XRPL wallet. This integration eliminates the need to create new wallets, manage additional seed phrases, or navigate unfamiliar tools and dApps, marking a significant milestone in enabling self-custodial yield access through XRPL wallets via XRPL-native execution.

Flare Smart Accounts operate by embedding intent data within standard XRPL transactions. When a user submits a Payment transaction on XRPL, an operator monitors incoming transactions to a specified address, requests payment proof via the Flare Data Connector upon receiving the payment, submits the verified proof to the MasterAccountController contract on Flare, and executes the corresponding instruction by the user’s mapped smart account. In essence, transaction signing occurs on XRPL, and the requested actions are carried out on Flare using the user’s personal account.

These smart accounts leverage the Flare Data Connector to verify XRPL Payment transactions before execution on Flare and are integral to the FXRP workflow, enabling XRP holders to mint and redeem FXRP directly from compatible XRPL wallets. Built into the infrastructure layer, Flare Smart Accounts are designed to seamlessly integrate with wallets, exchanges, and dApps to facilitate scalable DeFi access for users across the ecosystem, ensuring familiar interfaces and tools can be utilized with ease.

FXRP, a trust-minimized representation of XRP backed by verification, is designed for interoperability across various DeFi protocols within the Flare ecosystem, including lending markets, liquidity pools, vault strategies, and structured products. With over 100 million FXRP already minted and active in DeFi applications, the adoption of XRPFi infrastructure is rapidly gaining traction.

Security is paramount with Flare Smart Accounts, as they reduce operational complexity without altering trust assumptions. Actions on Flare are only executed when authorized by the originating XRP address, with XRPL transactions verified using the Flare Data Connector before execution. Each smart account is uniquely tied to its XRPL address, ensuring control remains solely with the user and maintaining custody while enabling secure execution on Flare.

Overall, Flare Smart Accounts offer a user-friendly and secure means for XRP holders to engage with DeFi on the Flare network directly through their existing XRPL wallets, marking a significant advancement in the accessibility and usability of decentralized finance applications for the XRP community.