XRP news: Ripple-linked token sitting idle in wallets now gets easier DeFi access

CoinDesk

by Shaurya Malwa

February 26, 2026

AI-Generated Deep Dive Summary

XRP holders now have easier access to decentralized finance (DeFi) through a new integration between Flare and Xaman. Over 2 billion XRP tokens, worth approximately $3 billion, were previously idle in wallets due to usability challenges. The new system allows users to deposit their XRP directly into yield-generating vaults with just one transaction, without switching wallets or bridging assets manually. The integration relies on three key components: FAssets, which create a wrapped version of XRP on the Flare blockchain; Flare Smart Accounts, enabling transactions using existing XRPL credentials without managing multiple private keys; and Xaman, which embeds the process directly into users' wallets. This streamlined approach eliminates the need for additional steps like downloading new wallets or handling gas tokens. Vault strategies are managed by Upshift and curated by Clearstar, focusing on familiar DeFi primitives such as lending markets and structured products. Early signs indicate strong interest, with Flare's FXRP token surpassing 100 million in minted supply. This suggests that XRP holders are eager to explore DeFi opportunities. The development addresses a significant barrier for XRP's DeFi adoption: usability. While retail buying volume has surged and ETF inflows remain positive, the challenge of accessing DeFi was more critical than price movements. By reducing friction, this integration could unlock billions in idle capital, potentially driving broader adoption of XRPFi. This breakthrough highlights how improving accessibility can enhance crypto assets' utility and value. For XRP, making it easier for holders to participate in DeFi could be a game-changer, distinguishing it from competitors by addressing the core issue of usability.

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Originally published on CoinDesk on 2/26/2026