💙Understanding the Xaman Service Fee
Xaman remains committed to providing the most secure, feature-rich, and user-friendly wallet for the XRP Ledger and Xahau ecosystems. We've introduced fees because leading in security isn’t optional.
To ensure long-term sustainability while maintaining an exceptional user experience, Xaman has transitioned to an industry-standard service fee model.
This update eliminates the previous threshold-based monetization and replaces it with a transparent, per-use fee structure. Fees are applied only to specific transactions that require extensive processing resources or involve trading activity.
Transactions That Are Free
The vast majority of user activity remains unaffected. The following transactions are free for all users:
Sending XRP up to $50,000 USD in value
Sending tokens up to $50,000 USD in value
Receiving any amount of XRP or Tokens.
Trust Line creation and modifications (TrustSet)
Removing Trust Lines
Canceling offers
Deleting accounts on the XRP Ledger
Minting & Listing NFTs
NFT trading
AMM creation and voting
Account settings modifications (AccountSet)
Trading and High-Load Transactions
To maintain optimal performance and security, Xaman now applies a small fee to transactions that require additional infrastructure resources:
Trading Transactions (0.8% service fee, minimum 0.09 XRP per transaction):
Token swaps
AMM deposits and withdrawals
Market trades on the XRP Ledger DEX
Small Fixed Fees for Certain Transactions
The following bear a fixed fee per transaction.
Pathfinding payments (0.15 XRP fee due to additional computational complexity)
Limit orders incur a fixed 0.09XRP fee
High-Value Transactions
To reinforce Xaman’s position as the leading self-custodial wallet in security and reliability, transactions exceeding $50,000 will incur a 0.1% service fee, while transactions over $100,000 will have a 0.07% service fee.
This measure ensures the security and continued development of infrastructure that safeguards large-scale transfers.
Xaman Pro and 5000+ XAH Holders
Xaman Pro users and holders of 5,000 or more XAH tokens continue to benefit from reduced fees:
25 feeless tokens swaps, AMM deposits, AMM withdrawals and/or market trading transactions per 30 days OR $1,000 in total trading volume per 30 days before fees apply
Pro users who purchased before February 1, 2025, will enjoy a full year of completely fee-free trading
This adjustment ensures that high-activity users receive premium benefits while maintaining the best experience for the broader user base.
Why This Change Was Made
This update brings Xaman in line with industry standards used by wallets across the XRP Ledger, Ethereum, and Solana ecosystems. By moving to a per-use fee structure instead of a usage threshold model, Xaman ensures:
A sustainable and independent financial model
No arbitrary limitations or access restrictions
Users pay based on actual usage rather than a pre-set threshold
These changes support Xaman’s mission to deliver best-in-class self-custodial security, ongoing innovation, and continued growth.
For more details, visit xaman.app/pro or refer to our full update at xaman.app/blog/3-3-1.
Frequently asked questions
I have subscribed to Xaman Pro, does the High Value transaction fees apply to me?
Yes. Regardless of when you subscribed to Pro (before or after Feb. 1-2025) the High Value fees apply.
Any payment transaction exceeding $50,000 will incur a 0.1% service fee, while transactions over $100,000 will have a 0.07% service fee, regardless if you are a Pro subscriber or not.
I want to send over 50,000 USD worth of XRP to my XRP Ledger account managed by Xaman. Do I have to pay a fee?
No. Sending funds to accounts managed by Xaman does not incur a fee.
I want to send over 50,000 USD worth of XRP from my XRP Ledger account managed by Xaman. Do I have to pay a fee?
Yes. Any payment transaction where you send $50,000 USD or more from your XRP Ledger account managed by Xaman will incur a 0.1% service fee, while transactions over $100,000 will have a 0.07% service fee.
I have 5000 XAH in my Xahau account. Do I have to pay the 0.09 XRP for limit orders?
Yes..
Holding 5000 XAH in your account grants you 25 feeless tokens swaps, AMM deposits, AMM withdrawals and/or market trading transactions per 30 days OR $1,000 in total trading volume per 30 days before fees apply.
Fixed fee transactions (limit ordrs and pathfinding payments) are not free. You will still be charged 0.15 XRP per Pathfinding payment and 0.09 XRP per limit order.
I have subscribed to Xaman Pro. Do I have to pay the 0.09 XRP for limit orders?
Yes.
Xaman Pro grants you 25 feeless tokens swaps, AMM deposits, AMM withdrawals and/or market trading transactions per 30 days OR $1,000 in total trading volume per 30 days before fees apply.
Fixed fee transactions (limit orders and pathfinding payments) are not free. You will still be charged 0.15 XRP per Pathfinding payment and 0.09 XRP per limit order.
When do the service fees reset?
Fees do not 'reset' in a traditional sense. Fees are based on a rolling balance.
For example, if you subscribed to Pro on August 1, you have 25 feeless tokens swaps, AMM deposits, AMM withdrawals and/or market trading transactions OR $1,000 in total trading volume before fees apply.
Case 1
Let's say you do 25 token swaps on the same day (August 1), you will have to wait 30 days before your feeless trades start again. In this case, you would have to wait until August 31. On August 31, you would get 25 feeless tokens swaps, AMM deposits, AMM withdrawals and/or market trading transactions OR $1,000 in total trading volume before fees apply again.
Case 2
On August 1st you do your first swap with a value of $100 USD, on August on 2nd, you do another swap with a value of $100 , on August 3rd you do another swap for $100 USD and so on until August 10th. (So a total of $1000 USD)
Thirty days later, on September 9, you will have $100 USD worth of trades. If you do not do any trades on September 9th, on September 10th, you will have another $100 worth of trades. If you do not do any trades on September 10th, on September 11th, you will have another $100 USD of trades and so on until September 19th, when you will have $1000 USD worth of transactions.
Case 3
On August 1st you do your first swap with a value of $500 USD. On August 10th you do another swap of $500. You have used up your $1000 USD in free trades. You will be charged fees on your other swaps until until August 31st. On August 31st, you will have $500 USD in free trades.
If you do a trade on September 2nd for $250 USD and another trade on September 3rd for $250 USD, you will need to pay fees until September 9th, when you will have $500 worth of trades. (Since it has been 30 days from August 10th when you placed an order for $500)
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