💙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
Trading 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 trading transactions per month OR $1,000 in total trading volume per month 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 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 your XRP Ledger account 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 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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