💙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.
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.
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.
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