Flare Smart Accounts
What is Flare Smart Accounts?
Flare Smart Accounts is the onboarding feature that lets XRP holders deposit XRP into curated onchain vaults directly from their existing wallet, without manually bridging or managing a separate gas token.
Understanding Flare Smart Accounts
Flare Smart Accounts turns a single signature from a wallet you already use into an FXRP position in a curated Flare vault. It replaces manual bridging with a single flow. No new wallet or separate gas token is required to get started.
The feature is aimed at users who hold XRP but have not used a Flare-compatible wallet before. Flare Smart Accounts handles wallet creation and the deposit path behind the scenes, so a user can move from holding XRP to holding a position in a Flare vault without learning the underlying bridging mechanics first.
The curated FXRP vaults it deposits into, built on Upshift’s vault infrastructure with different curator strategies and risk profiles, hold FXRP, deposited through the FAssets protocol.
Flare Smart Accounts is an onboarding path, not a token or a separate protocol. XRP deposited through it still becomes FXRP under the FAssets protocol, and any yield or strategy it accesses runs on the same Flare DeFi infrastructure available through other routes.
Why Flare Smart Accounts exists
Flare Smart Accounts exists because minting FXRP the standard way asks a new user to set up a Flare-compatible wallet, acquire FLR for gas, and complete a multi-step bridging flow before they hold anything usable. Each of those steps is a point where a retail user unfamiliar with Flare can stop.
Flare Smart Accounts collapses that path into a flow that starts from a wallet the user already holds on XRPL. A single signature completes a deposit into a curated vault, with wallet creation and gas handled behind the scenes rather than left as separate steps for the user to solve. The result is a faster route into the same FXRP-based vaults available through the standard minting flow, aimed at users who would otherwise stop before reaching them.
How Flare Smart Accounts works
- You connect the XRP Ledger wallet you already use to Flare Smart Accounts, without creating a new wallet first.
- You choose a curated vault and the amount of XRP you want to deposit.
- You confirm the deposit with a single signature directly from your XRP Ledger wallet.
- Flare Smart Accounts creates a Flare-compatible account for you and handles the gas token needed to complete the deposit.
- Your XRP is minted as FXRP through the FAssets protocol into the vault you selected.
- You track and manage your position from the Flare Smart Accounts app at any time.
How Flare Smart Accounts relates to XRPFi and Flare
Flare Smart Accounts is the onboarding layer that connects the XRP Ledger to Flare and the FAssets protocol.
The XRP Ledger holds native XRP but has no path into smart contract vaults on its own. Flare is the network that runs those vaults, along with the FAssets protocol that mints FXRP against deposited XRP. Flare Smart Accounts is the onboarding layer that connects the two for users who have not bridged XRP before.
Once XRP arrives in a Flare Smart Accounts vault as FXRP, it sits inside the same XRPFi DeFi ecosystem that other minting routes lead to. Flare Smart Accounts is one way in; XRPFi is where the resulting FXRP position is tracked and used.
What you can do with Flare Smart Accounts
- Deposit XRP into a curated vault using Flare Smart Accounts.
- Learn what FXRP is, the token your deposit becomes.
- See the full range of strategies available across XRPFi once you hold FXRP.
- Compare vaults and strategies across Flare DeFi.
Flare Smart Accounts at a glance
| Full name | Flare Smart Accounts |
|---|---|
| Type | Onboarding feature for FXRP mints and deposits |
| Network | Flare |
| What it does | Mint and deposit FXRP into curated Flare vaults directly from an XRP Ledger wallet |
| Built on | The FAssets protocol, which mints FXRP on deposit |
| Vault infrastructure | Upshift |
| Requires | An XRP Ledger wallet and a single signature |
| Access | fsa.flare.network |
| Technical documentation | dev.flare.network |