Xaman’s XRP Route Takes 8.3 Months to Recover Listed Fees at 1.18% APY

A hypothetical 100 XRP deposit routed through Xaman to Flare’s earnXRP vault would take about 8.3 months to recover listed percentage fees, assuming the displayed 1.18% Total APY persisted and was fully realized in XRP. The estimate covers the stated Xaman and Flare charges and excludes XRP Ledger network costs, any fixed setup charge and any separate vault-level fee.

Xaman charges 0.5% on deposits into supported yield products. The estimate assumes a 0.10% minting fee and a 0.01% collateral-reservation fee apply to the route.

Together, those entry charges leave about 99.39 XRP equivalent from an initial 100 XRP to earn in the vault. Flare’s listed redemption charges are 0.18% for agents and 0.02% for the system, a combined 0.20%. Applying that deduction after a full year at 1.18% would return about 100.36 XRP before network costs or a fixed setup charge.

The 8.3-month figure is the modeled break-even point for those listed percentage charges. A lower realized return would extend the time, and an exit before that point would fall short of recovering them under the same calculation. Since the APY display summarizes a past period, carrying it forward unchanged is an assumption for the estimate, not a promised outcome.

A snapshot taken Oct. 22 at about 7:42 a.m. ET (11:42 UTC) showed 1.18% Total APY over the trailing 30 days, with 31.11 million FXRP deposited and a displayed value of $41.42 million. Returns vary with decentralized finance rates and the vault’s allocations, so that reading does not establish what a depositor will earn.

The route locks XRP on the XRP Ledger, represents it as FXRP on Flare and deposits it into earnXRP. Xaman provides the signing interface, while Flare and its partners operate the associated vault products. This fee calculation adds a specific deposit-and-redemption scenario to earlier coverage of XRP yield trade-offs.