> For the complete documentation index, see [llms.txt](https://help.xaman.app/app/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.xaman.app/app/getting-started-with-xaman/understanding-the-xaman-service-fee.md). # 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 uses an industry-standard service fee model. Fees are applied only to specific transactions that require extensive processing resources or involve trading activity. {% hint style="info" %} **Most regular transactions remain FREE** * Market trading has a small **0.8% fee** * Yield products incur a 0.5% fee * Pathfinding transactions cost a fixed fee of 0.15 XRP * High Value Xaman Service Fee on Payments over $50,000 {% endhint %} ### 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 applies a small fee to transactions that require additional infrastructure resources: **Trading Transactions (0.8% service fee):** * 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) ### 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**. These thresholds apply to large-value movements between the same source and destination within a rolling 12-hour window. Our brand is built on trust and a flawless track record spanning more than half a decade. As the tip of the spear in crypto infrastructure and wallet security, this framework ensures we continue delivering the resilience, protection, and reliability our users expect, now and in the future. #### Yield Products To support yield integrations and the extra infrastructure required to keep them reliable, **deposits into supported yield products incur a 0.5% Xaman service fee**. * **Applies to:** deposits into yield products * **Does not apply to:** withdrawals, reward claims, or receiving funds * **Transparent before signing:** you will always see the exact service fee before confirming the transaction **Why a yield fee?**\ XRPfi doesn’t build itself. To deliver yield products in a secure and trusted way inside a self-custody wallet, we invest in integrations, infrastructure, and ongoing support. This one-time fee applies to the deposit only, while the potential yield can continue afterward. Yield rates and outcomes depend on the provider and market conditions. ## Why This Model Exists This fee structure brings Xaman in line with industry standards used by wallets across the XRP Ledger, Ethereum, and Solana ecosystems. By using a transparent per-use fee model, Xaman ensures: * A sustainable and independent financial model * No arbitrary limitations or access restrictions * Users pay based on actual usage These principles support Xaman’s mission to deliver best-in-class self-custodial security, ongoing innovation, and continued growth. For more details, visit [xaman.app/blog/3-3-1](https://xaman.app/blog/3-3-1). ### Frequently asked questions **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.** --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://help.xaman.app/app/getting-started-with-xaman/understanding-the-xaman-service-fee.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.