💙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.

Most transactions remain free

Trading has a small 0.8% fee with a minimum of 0.09XRP

Pathfinding transactions cost a fixed-fee of 0.15 XRP

High Value Xaman Service Fee on Transactions over $50,000

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)

• Placing limit orders

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)

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.