> This is part 1 of 3 of the full documentation (pages 1–100 of 259). > The content is paginated: fetch every part to see all of it. > Next part: https://help.xaman.app/app/llms-full.txt/1 > Page index: https://help.xaman.app/app/llms.txt # 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 This site has an agentic ask interface you may use to query the documentation dynamically by asking a question. Perform an HTTP GET request on the following URL with the `ask` and `goal` query parameters: ``` GET https://help.xaman.app/app/index.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is what the user is ultimately trying to achieve, the reason they need the answer. Sharing it helps GitBook give you a better, more relevant answer. A goal is most helpful when it describes the outcome the user wants rather than restating the question. For example, with `ask=how do I create an API token`, a goal like `automate deployments from our CI pipeline` lets GitBook tailor the answer to that use case. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. --- # Welcome to the Xaman Help Center! If you're interested in learning about Xaman and the XRP Ledger / Xahau ecosystems, you've come to the right place. {% hint style="info" %} If you are looking for Customer Support for Xaman, please contact us directly through the application using the [**Xaman Support xApp**](https://xumm.app/detect/xapp:xumm.support). You can find it by pressing the '**xApps**' button located at the bottom on the screen in Xaman. {% endhint %}

{% hint style="warning" %} Please note: The [**Xaman Support xApp**](https://xumm.app/detect/xapp:xumm.support) is the official channel for reaching us. We **do not** offer support through social media. {% endhint %} We have divided this site into various categories that you can browse at your convenience or you can simply use the **Search** button at the top of the page to get a quick list of articles related to your search criteria. Should you notice an article that is out of date or if you would like to see an article about a topic that is not covered here, [**just let us know.**](https://xumm.app/detect/xapp:xumm.support?ref=helpcenter) We are always happy to hear from the community on how we can improve!


Getting Started with Xaman	This area is for new users and people who are interested in learning the basics of the Xaman platform	smartphone van gogh style.png	Getting started with Xaman
Learning more about Xaman	Here you will learn a bit more about Xaman's features.	toddler riding a bike van gogh style	Learning more about Xaman
All about xApps	Are you interested in what xApp are and how they work? You've come to the right place!	app icons van gogh style	ALL ABOUT XAPPS
Security and Xaman	Worried about how safe your funds are? This is where you want to be.	vault van gogh style.png	Security and Xaman
XRP Ledger Resources	Want to learn the basics of the XRPL?	van gogh blockchain.png
Release Notes	A little bit of history on the features we've added over the years	van gogh notebook.png	Current release
About Xaman and XRPL Labs	Meet the team and get to know us! 🤗	van gogh office.png	About XRPL Labs
Configuring Xaman	Learn about all of the Settings options in the app	Rocky stream.png	Configuring Xaman
Xaman Cards	Everything you want to know about Xaman cards	Large rock with Lock.jpg

# What is Xaman? What is Xumm - Video 1 of 5 Put simply, Xaman (formerly Xumm) is *the only* feature complete, security first wallet for self-custody on the XRP Ledger. It is a self-custodial, XRP Ledger wallet, that empowers developers and users to collaborate in a secure way, where user keys are kept safely on their device, and their device only. {% embed url="" %} 1 of 5 {% endembed %} Also available in this video series:

Video	Description
Where are your funds stored?	XRP is on the XRPL, not in Xaman
Protecting your account secret	Tips on protecting your secret numbers
Reserves and Fees	Base reserve and XRPL Fees
Destination Tags	About Destination Tags/XRP Tags

# Understanding Self custody Self-custodial, non-custodial, custodial, un-hosted, hosted... What's the difference? If you are just getting started with crypto and blockchain, one of the biggest challenges can be trying to figure out what all of the different terms and fancy words mean. If you are thinking about installing Xaman (formerly Xumm) and are wondering what exactly words like "custodial", "non-custodial", "un-hosted" "self-custody" and "hosted" refer to, this article is going to help get you up to speed. ### Your custodial bank account Most people are familiar with the general idea of what a bank is and how they work. In simple terms, a bank is a business that deals with money. As a customer, you can open an account with a bank and deposit money into that account. The bank holds that money for you until you decide how you would like to use your funds. This is an example of a "custodial" or "hosted" account. The bank created an account on their "hosted" system (on their computers which they own and operate) and agree to take "custody" of your funds when you deposit them. While your funds are in their custody, they have certain obligations and responsibilities which are, in theory, overseen by local/federal governments who are supposed to ensure that the banks act in a responsible and transparent way. As a customer, you can open an account with a bank and deposit money into that account. The bank holds that money for you until you decide how you would like to use your funds. This is an example of a "custodial" or "hosted" account. The bank created an account on their "hosted" system (on their computers which they own and operate) and agree to take "custody" of your funds when you deposit them. While your funds are in their custody, they have certain obligations and responsibilities which are, in theory, overseen by local/federal governments who are supposed to ensure that the banks act in a responsible and transparent way. Most of the time, accessing your funds is a fairly easy and straightforward process but there are several situations where a bank can decide to restrict access to your money, for example: * They suspect you of laundering money, financing terrorism, writing bad checks on your account. * If a creditor has a claim against your funds * If the government determines you owe them money (taxes, fines, penalties, etc.) Banks can also decide who and where you can send your money to if they don't think you are making good financial decisions. For example, a large, multinational bank in the UK informed their customers... {% hint style="info" %} "It’s our responsibility to help protect your money. With this in mind we’ve taken the decision to stop payments made by credit/debit card to Binance until further notice, to help keep your money safe." {% endhint %} Source: {% embed url="" %} Fortunately, many individuals prefer their banks and governments to handle these financial decisions for them, making custodial accounts a logical choice for those who wish to have their funds managed by someone else. ### A second choice... When it comes to the XRP Ledger/Xahau, there are several **crypto exchanges** which offer **custodial accounts**. Similar to a bank, you can open an account with a crypto exchange and deposit money into your account with them. The exchange holds and administers that money for you and when it comes time to interact with the XRP Ledger/Xahau, they act as a "middle man" and perform transactions on your behalf. For example, let's say a friend wanted to send you 1000 XRP. The crypto exchange would provide you with an r-address (which is an account number on the XRPL) and a destination tag. (which is your account number on the exchange's database) You would provide the r-address and the destination tag to your friend and they would send the funds to the r-address. However, the r-address is **not your r-address**. It belongs to the crypto exchange. Your friend is sending the 1000 XRP to the **crypto exchange's account,** not to your account. You don't have an account on the XRPL. You have an account on the crypto exchange's database. The crypto exchange actually has your XRPL and puts a 1000 XRP credit your account with them. The actual XRP is in **their** XRPL account. Since the exchange created an account on their "hosted" system (on their computers which they own and operate) and agree to take custody of your funds, we refer to them as **custodial accounts**. This does create a potential question as to who actually owns the XRP since it is not really in your account. It is in the crypto exchange's account. {% embed url="" %} However... on the XRP Ledger, there is a **second option**. ### Self-custodial accounts One of the great features of the XRP Ledger/Xahau is that you can actually create your own account on the network. This means that you can create your own r-address and have complete control over it. It also means that you, and only you, can make decisions on how you will manage your funds. As well, you actually own and control your own XRP. We refer to this type of account on the XRP Ledger as a **self-custodial** account. Self-custodial accounts on the XRPL are not controlled by banks or businesses or governments. They are completely controlled by you. Xumm helps you manage these types of accounts. ### What about non-custodial or un-hosted accounts? You may find that other wallets or companies refer to self-custodial accounts as "non-custodial" or "un-hosted" accounts. All three terms refer to the same type of accounts. The term self-custodial refers to an account where **you** **have custody** of your funds. This is not really obvious with the terms non-custodial and un-hosted. ### Xaman - A self-custodial wallet Xaman is a self-custody wallet that allows you to transact directly with the XRP Ledger. It provides you with an easy way to create a new XRPL account in a safe and secure way, and helps you interact with the XRPL and manage your XRPL account(s). # Where are your funds stored? Is XRP stored in you phone? In Xaman? On the XRP Ledger? If you've ever wondered where your funds are stored, then this video is for you!
{% embed url="" %} 2 of 5 {% endembed %} Also available in this video series: | Video | | | ----------------------------------------------------------------------------------------------------- | ---------------------------------------- | | [What is Xaman?](/app/getting-started-with-xaman/what-is-xumm) | Explaining the Xaman (formerly Xumm) app | | [Protecting your account secret](/app/learning-more-about-xaman/how-can-you-access-your-xrpl-account) | Tips on protecting your secret numbers | | [Reserves and Fees](/app/xrp-ledger-resources/xrp-ledger-concepts/reserves-and-fees-on-the-xrpl) | Base reserve and XRPL Fees | | [Destination Tags](/app/learning-more-about-xaman/destination-tags) | About Destination Tags/XRP Tags | # Xaman & natural disasters Have you ever wondered how well Xaman (formerly Xumm) would survive a natural disaster, an EMP, a solar flare or other catastrophic event? Although such events are historically rare or even hypothetical, they do present a possible danger when it comes to your funds, so let’s consider the possibilities… ### **What is an EMP?** An EMP stands for Electro Magnetic Pulse. It is brief burst of electromagnetic energy that can disrupt communications, damage electronic equipment and in some cases, physically damage objects such as buildings and aircraft. An EMP can be generated naturally or artificially (nuclear weapons) but in either case, it could cause severe damage to electrical grids and/or communication lines. ### **What is an solar flare?** A solar flare is an intense eruption of electromagnetic radiation in the Sun’s atmosphere. While a solar flare is not directly dangerous to humans there is a possibility that the effects of a large solar flare could be similar to an EMP. ### **What is the concern here?** The main concern is that any event that affects the electrical grid or the communication infrastructure of a country, continent, or even the world, would impact the XRP Ledger and therefore put your XRP in danger of being destroyed or becoming inaccessible. ### **How the XRP Ledger works** The XRP Ledger is run on network validators and full history nodes which are distributed all over the world. With so many machines operated in different geographical locations, with different levels of redundancy on a per machine, per location basis, it is highly unlikely that the same disaster could affect a critical amount of them. Since your XRP exists on the XRPL, as long as even 1 validator or full history node exists anywhere in the world, your XRP still exists. EVERY validator and full history node would need to be destroyed in order for your funds to be lost. ### **How does this affect Xaman?** Since your XRP exists on the XRP Ledger, your funds exist as long as the XRP Ledger is still operational, however, there are other issues to consider. 1. Xaman can only be installed on mobile devices which need to be fully operational in order for it to function. (Was your phone affected by the event? Does it still function properly? Can it still be charged?) Let’s assume that your phone has survived the event and is still fully functional and you have a way to charge it. 2. Xaman needs a way to connect to the internet in order to access the XRP Ledger. (Was the internet or cellular network affected by the event?) If you can not connect to the internet, you can not access your funds. 3. What does a post EMP/solar flare/natural disaster world look like? Is your plan to use your XRP to barter/purchase items and services? Is the plan to replace the current system of finance with the XRP Ledger after the event? 4. Has anyone else been as diligent as you were in preparing for the event? We certainly appreciate all of your preparations, but a network is only as useful as the people who use and maintain it. If you are the only one who has an operational validator, an operational phone and an operational cellular tower, than a network of one person is not going to be super helpful. ### **What about my Xaman cards?** Xaman (Tangem) cards pass rigorous testing and can withstand environmental extremes, occasional mechanical deformation, electromagnetic pulse (EMP), electrostatic discharge (ESD) and X-rays within limits defined in [ISO7810](https://en.wikipedia.org/wiki/ISO/IEC_7810) standard. You can learn more about technical specifications of the cards by visiting their website here: ### **What about the Xaman Servers?** Xaman does not require any of our servers in order to operate. If all our servers were destroyed, Xaman would still function just fine as long as your phone still works and you can connect to the internet. ### **Summary** Xaman is a self custodial, XRP Ledger wallet that allows you to create and manage XRP Ledger accounts in a safe, secure and user friendly way. It is not effected by EMPs, solar flares or natural disasters. What could be effected by these events is the infrastructure required to access the XRP Ledger. If you are unable to access the XRPL, Xaman is not going to be much use to you. # Common misconceptions When it comes to platforms as powerful as Xaman (formerly Xumm), it is normal for misinformation to circulate around some of its features and capabilities. Let's see if we can clear some of this up... ### Xaman stores your XRP The native currency on the XRP Ledger is called XRP. XRP exists on the XRPL and can not be moved off of the XRPL so technically, XRP is always "stored" on the XRP Ledger. What Xaman actually stores is the private key to access your XRP Ledger account. ### Xaman has access to your funds Once you enter your private key into Xaman, it is immediately encrypted and placed into an area secure location we call, "The Vault". There is no way for us to access the Vault remotely. ### Xaman is a custodial wallet A custodial wallet is basically a customer account in a crypto exchange's company database. It is not an XRP Ledger account. Xaman is a self-custodial wallet. It stores the private key to access your XRP Ledger account. ### You can't buy XRP using Xaman - You certainly can! This is false. We have partnered with several exchanges who would be happy to sell you XRP. Simply select [**this link**](https://xumm.app/detect/xapp:xumm.buysellxrp) and you can explore the many options we offer. ### Xaman is not as safe as a cold wallet There are many attack vectors for both cold and hot wallets and both types have their uses, their strengths and their **potential** weaknesses. Xaman was designed and coded by one of the strongest coding teams in the entire blockchain space and has been audited by one of the most advanced security audit firms in the world. We would argue that there is no safer wallet on the planet, either hot or cold, than Xaman. ### Xaman offers staking No, the XRP Ledger is not a Proof of Stake network so there is no way to offer staking natively on the XRPL. Furthermore, there is no need to stake coins since the validation process is a cooperative based system, not a competitive based system. # What's New in Xaman 5.0 Xaman 5.0.0 Brings Virtual Assets and True Offline Resilience *January 20, 2026* Xaman 5.0.0 is a resilience-focused release built around two goals: giving you a clearer overview of what you own, and keeping the wallet operational even when primary infrastructure is unavailable. This article explains the new features, how to use them, and what you should know when getting started. *** ### 🪙 Virtual Assets (See Everything You Own in One Place) Xaman 5.0.0 introduces support for Virtual Assets—a new way to represent value you own that isn't currently held as a directly spendable balance in your Xaman account. #### What Are Virtual Assets? A growing number of users commit assets to strategies and products such as yield earning or other managed positions. Those assets are often not instantly spendable and not always visible in one place. Virtual Assets solve this by letting Xaman present a more complete picture of what you own—across providers on the XRP Ledger and on external networks where you have a claim—while making it clear that these positions may not be immediately liquid. #### What This Means for You * Your home screen can reflect value you own across multiple providers and networks * Positions that aren't instantly spendable are clearly distinguished * Over time, Virtual Assets will enable contextual shortcuts to relevant xApps, so you can review, manage, or redeem where appropriate #### What's Available Now Xaman 5.0.0 lays the technical groundwork that enables upcoming capabilities, including foundations needed for smart account functionality. The products that use these capabilities are close, and 5.0.0 ensures the wallet is ready to support them cleanly and safely when they arrive. ℹ️ **Note:** Virtual Assets will become available through third-party providers. Stay tuned for announcements as integrations go live. *** ### 🔒 Full Fallback Mode When Backend Is Offline The most important functional change in 5.0.0 is simple: Xaman can now keep working for manual actions even if the Xaman Backend is unreachable. > *"Wallet resilience is not only about protecting keys. It is about resilience and clarity. Xaman 5.0.0 is designed to keep users transacting, in control and informed, even when conditions are not ideal."* — **Robert Kiuru**, COO of XRPL Labs #### How It Works When primary infrastructure is unavailable, Xaman fully falls back to XRPL node-only operation for: * Manual sending of transactions * Manual Exchange actions, such as setting a Trust Line In practical terms, the wallet no longer depends on a single path to stay usable during infrastructure outages or severe connectivity issues. If you can reach the XRPL network through nodes, you can keep moving. #### Key Benefits * No single point of failure for core wallet actions * Transactions and Trust Lines can still be set manually * You stay in control even during backend outages or poor connectivity *** ### 💰 Faster Fiat Value Loading on the Home Screen Xaman 5.0.0 improves the speed and responsiveness of loading and displaying fiat values for all assets on your home screen. #### How to Enable It 1. Open Xaman 2. Go to **Settings → General → Show Asset Prices on Home Screen** 3. Toggle it on Once enabled, Xaman will load and display pricing data faster, improving the at-a-glance portfolio experience. *** ### 🌐 Alternative Nodes for Manual Sending To support resilience during bad connectivity, Xaman can now route manual sending through alternative nodes when needed. #### How to Configure It 1. Open Xaman 2. Go to **Settings → Advanced → Networks → Network Settings** 3. Select or add your preferred alternative nodes This is particularly useful when your default path is degraded, or when you want to explicitly choose which infrastructure Xaman should attempt to use. *** ### 🛠️ Why This Release Matters Xaman 5.0.0 is about strengthening the fundamentals: * **Clarity:** Virtual Assets prepare Xaman to show a fuller picture of what users own across platforms and networks. * **Resilience:** Node-only fallback keeps core manual actions available even during backend outages. * **Performance:** Faster home screen valuation improves everyday use without changing how you operate the wallet. *** ### FAQ **What are Virtual Assets?** Virtual Assets represent value you own that isn't held as a directly spendable balance—such as assets committed to yield strategies, managed positions, or claims on external networks. **Are Virtual Assets available right now?** Xaman 5.0.0 lays the technical foundation. Virtual Assets will become available through third-party providers in upcoming releases. **What happens if the Xaman backend goes offline?** Xaman will automatically fall back to XRPL node-only operation. You can still manually send transactions and set Trust Lines as long as you can reach the XRPL network. **Do I need to do anything to enable fallback mode?** No. Fallback mode activates automatically when the backend is unreachable. **How do I configure alternative nodes?** Go to **Settings → Advanced → Networks → Network Settings** to select or add preferred nodes. **How do I enable fiat values on my home screen?** Go to **Settings → General → Show Asset Prices on Home Screen** and toggle it on. *** ### Previous Updates * **A More Accessible XRPL: Xaman 4.6.1 Speaks to the World** — Xaman now supports one of the broadest language sets ever introduced to the wallet, expanding advanced language access to almost six billion speakers. *(December 2, 2025)* * **Xaman 4.5.0: New Account Worth, Home Screen Overhaul, and Batch Support** — One of our cleanest and most powerful updates to date, with a redesigned home screen, new Account Worth and per-asset fiat values, and full support for the Batch amendment. *(November 3, 2025)* * **Xaman 4.4.0: AMM Liquidity, Extended MPT Support & Permissioned Domains** — Important steps toward the bigger picture of XRPL DeFi, with AMM liquidity tools, extended MPT support, and permissioned domain capabilities. *(October 10, 2025)* * **One Big Step Forward for Tokens on XRPL** — Celebrating the XRPL's pioneering approach to issued assets, allowing stablecoins, community tokens, and real-world value to live natively alongside XRP. *(September 2, 2025)* *** ### Need More Help? If you have any questions or run into issues: * Use the in-app support xApp to message our team directly # Self-Custody 101: Staying Safe with Xaman Self-custody means you, and only you, control your funds. That is the freedom Xaman is built on. The cost of that freedom is responsibility, and responsibility matters more than usual. This guide gives you the rules that will keep you safe. Read it. Take it seriously. The basics here will defeat almost every scam currently aimed at self-custody users. #### The one rule that matters above all others Your **Secret Numbers** (also called Family Seed or Mnemonic) are the keys to your account. Anyone who has them can control your funds. Completely. Irreversibly. > **Never share your Secret Numbers with anyone. Not Xaman. Not a website. Not an xApp. Not a developer, validator, exchange. Not anyone, anywhere, for any reason.** If someone asks for them, they are trying to steal from you. That is the entire test. There is no exception, no special case, no real support process that ever needs them. Xaman does not have a copy of yours and cannot recover them for you, because that is the whole point of self-custody. This single rule blocks the majority of scams hitting self-custody users today. #### What self-custody actually means When you keep money in a bank, the bank holds it. When you keep crypto on an exchange like Coinbase or Binance, the exchange holds it. In both cases, someone else has custody of your funds, and they can freeze, block, or restrict your access whenever they decide to. Xaman is different. Your private key (your Secret Numbers) is encrypted and stored only inside a separate secure, encrypted chip on your phone, inside a secure area we call the Vault. No bank, no government, no exchange, and not even XRPL Labs can touch it. We do not have a copy. We cannot reset it. We cannot recover it for you. That is the freedom. The responsibility is that there is no one to call if something goes wrong. Once a transaction is signed and confirmed on the ledger, it is permanent. No one can reverse it. Not us, not Ripple, not the government. This is not meant to alarm you. It is meant to set the right expectations, so you treat your Secret Numbers and your sign approvals with the seriousness they deserve. #### How to spot the scams hitting self-custody users You do not need to memorize every variant. They almost all follow the same shapes: * **Fake support accounts.** Someone on X, Telegram, Instagram, Discord, or YouTube claims to be from Xaman. They DM you offering help. **We do not provide support on social media. Ever.** Anyone DMing you as "Xaman Support" is a scammer. * **Fake airdrops and giveaways.** A post or DM says you have won, qualified, or been selected, and you just need to "verify your wallet". Real airdrops never ask for your Secret Numbers. * **Fake websites.** A site that looks identical to a real one, sometimes with a single letter changed in the URL. Often promoted through paid ads. Bookmark the real ones. Do not search and click. * **Impersonations of well-known people in crypto.** Fake founders, fake developers, fake team members. The real ones do not DM you first. * **"Account compromised" panic messages.** A message claims your funds are at risk and demands you act immediately. Real account issues are never resolved by handing over your keys. * **Spam transactions with malicious memos.** A small unsolicited transaction lands in your account with a link or instructions. The transaction itself is harmless. Following the instructions is not. #### The rules that keep you safe Six rules, applied consistently, will protect you from almost everything. 1. **If you did not start it, do not engage.** Unsolicited messages, transactions, offers, and "support" reaching out to you should all be treated as hostile by default. 2. **If it sounds too good to be true, it is.** Guaranteed yields, free money, exclusive allocations. Real opportunities exist. None of them arrive in your DMs from a stranger. 3. **Slow down.** Every scam manufactures urgency. The few seconds you take to think kill almost every attempt. 4. **Read every transaction before you sign it.** Xaman shows you exactly what a transaction will do. Look at the destination, the amount, the type. If anything is unclear, do not approve. 5. **Verify URLs character by character.** Our only official domain is **xaman.app** (and its subdomains, sometimes xumm.app). Our developer docs live at **docs.xaman.dev**. 6. **Protect your phone.** Keep it updated. Install apps only from the official App Store or Google Play. Avoid public WiFi for wallet activity. Set a strong device passcode. For larger balances, consider a Xaman (Tangem) card, where your key is generated inside the card chip and physically cannot be extracted or shared. #### If you think you have been scammed Move quickly. Calmly. 1. **Stop.** Close the site. Stop replying. Do not sign anything else. 2. **Move whatever funds remain to a new account.** If your Secret Numbers may have leaked, treat the old account as lost. Create a new account in Xaman and transfer your remaining assets there. (You can also re-key and disable the master key; both options are in our help center.) 3. **Report it to your local police.** Most countries now have cyber crime or financial crime units that handle blockchain cases. The ledger is public and traceable; law enforcement has tools we do not. 4. **Identify how it happened** before you continue using the same device. If you cannot, wipe your phone and reinstall apps fresh from official sources. Do not restore from backup. We cannot reverse transactions. No one can. What we can do is help you secure what is left. #### How to actually reach Xaman This is the gap scammers exploit most: * **The only official Xaman support is the Xaman Support xApp**, inside the Xaman app. Tap **xApps** at the bottom of the screen, then **Xaman Support**. * We do not offer support on X, Telegram, Instagram, email, or phone. * Our official X accounts (announcements only, not support) are **@XamanWallet**, **@XamanHelp**, and **@xrpllabs**. If a "support agent" reaches out to you anywhere else, it is not us. #### Final word Self-custody is freedom. Bad actors are always lurking, and you are the target, but they are also predictable. Once you know the shapes, you can spot them in seconds. Hold on to your freedom carefully. Stay sharp. Protect each other. — The Xaman team # Understanding Xaman Service Fees What the service fees are, which transactions they apply to, and why Xaman charges them. **Xaman is a feature-complete, secure wallet for the XRP Ledger and Xahau. A small service fee on certain transactions is how we keep building it, running the infrastructure, and supporting you. This page explains the fees, what is free, and how the fees work.** ### Transactions that are free Most transactions are free. These transactions do not incur a service fee: * Sending XRP or tokens up to $50,000 USD in value * Receiving any amount of XRP or tokens * Creating or changing trust lines (TrustSet) * Removing trust lines * Canceling offers * Deleting an account on the XRP Ledger * Minting and listing NFTs * Trading NFTs * Creating and voting on AMMs * Changing account settings (AccountSet) * Sending funds to an account you manage in Xaman ### Transactions with a service fee A service fee applies to transactions that use extra processing or trading resources. **Trading: 0.8%** * Token swaps * AMM deposits and withdrawals * Market trades on the XRP Ledger DEX **Yield products: 0.5%** * Deposits into supported yield products * The app shows you which yield products are available when you deposit * Does not apply to withdrawals, reward claims, or receiving funds **Pathfinding payments: 0.15 XRP** * A fixed fee for pathfinding payments. These need extra calculation to find the best route for the transaction. **High-value payments: 0.1% or 0.07%** * Payments over $50,000 USD have a 0.1% service fee. * Payments over $100,000 USD 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. ### 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: [Building a Sustainable Future for Xaman](https://xaman.app/blog/building-a-sustainable-future-for-xaman-introducing-monetization-and-revenue-sharing) #### Where you will see the service fee in Xaman Every transaction that has a service fee shows a **Network & Service Fee** line on the **Review transaction** screen. The line shows the total in XRP. That total is made of two parts: the XRP Ledger network fee, and the Xaman service fee. To see the two parts separately: 1. On the **Review transaction** screen, tap the info icon next to the **Network & Service Fee** line.

2. In the **Fees** sheet, the total is broken down: * **Network fee** : the fee paid to the XRP Ledger. You can choose the speed: Low, Medium, or High. * **Service fee** : our fee for the transaction. The amount is already calculated and shown.

3. If you want a different network fee speed, select it and tap **Apply**. 4. Return to the **Review transaction** screen. Slide to accept to sign, or close to cancel. Here is an example from a token swap. The trading rate is 0.8%, so the service fee is 0.8% of the XRP-equivalent value of the transaction: | Part | Amount | | ------------------------------------------------ | ------------ | | Service fee | 3.172372 XRP | | Network fee (Low) | 0.000012 XRP | | Total shown on the **Review transaction** screen | 3.172384 XRP | If a transaction qualifies for a service fee, you will always see it before you sign. If you do not want service fee events to show in your activity list, you can hide them. In **Settings**, go to **General** and turn on **Hide Service Fee events**. This only hides the events in the list. The fee still applies when a transaction has one. ### Frequently asked questions **What is the difference between a Xaman service fee and an XRP Ledger network fee?** Every transaction on the XRP Ledger pays a small network fee to the network. That fee is separate from the Xaman service fee. * **Network fee** : paid to the XRP Ledger. It is small. It applies to every transaction. * **Xaman service fee** : paid to Xaman. It applies only to certain transactions. This page is about our fees. The exact service fee for your transaction is shown in the app before you confirm it. You always see the amount before you sign. **I am sending less than $50,000. Do I pay a fee?** No. Sending XRP or tokens up to $50,000 USD in value is free. **I want to send more than $50,000 to an account I manage in Xaman. Do I pay a fee?** No. Sending funds to an account you manage in Xaman does not incur a service fee, even over $50,000. **I want to send more than $50,000 out of my Xaman account to another address. Do I pay a fee?** Yes. A payment of XRP or tokens with a value over $50,000 USD from your Xaman account to another address has a 0.1% service fee. A payment over $100,000 USD has a 0.07% service fee. The app shows the exact fee before you sign. **The fee was small last time. Why is it larger now?** The fee depends on the size of the transaction. A larger transaction has a larger fee. The rate did not change. Only the size of your transaction changed. The app always shows the exact fee before you sign, so you can check it each time. **Where does the service fee go?** The service fee goes to Xaman. It funds the software, the servers and backup systems, the security work, and the support team. It is separate from the small network fee that every transaction pays to the XRP Ledger. **I didn't know Xaman had service fees. Can I get a refund?** Xaman has charged a service fee on covered transactions since **September 2024**, when monetization was introduced with Xaman v3.0. In addition, the app displays the network fee and service fee before you sign any transaction. You only sign a transaction if you choose to. We do not issue refunds for our service fees. # Installing Xaman How to install Xaman on your mobile device ### **Welcome!** If you are reading this, you’ve decided to install Xaman (formerly Xumm) on your mobile device. Congratulations! You are about to start your journey into the XRP Ledger ecosystem and Xaman will be your guide. Welcome aboard! ### Xaman compatibility (Device requirements) Generally, Xaman is compatible with most devices that run either: ⦁ Android v7 and up ⦁ iOS v13 or higher and an iPhone 7 or newer (There are literally 1000's of different devices running dozen of different versions of Android (v7 - v11) and iOS (v13 - v17) so it is not possible for us to list them all here. Needless to say, as long as you are running a current version of the above operating systems, Xaman should work properly.) As well, officially Xaman does not support tablets such as Apple iPads. While you may be able to install and run Xaman on some versions, our UI has not been upscaled to match the various screen sizes and most tablets do not support NFC. Finally, we have encountered issues with the following devices: * On the Samsung A50, A51, Samsung A71 and Motorola One Action phones, there are known issues on Android 10. After updating to Android 11 the Samsung A51 and A71 will work just fine. * There are known NFC issues with Android devices by Nokia, like the Nokia 8.1. If you intended to use a Xaman card on these phones, the cards will not work. ### **Getting started…** Installing Xaman is a simple and straightforward process. From start to finish it should take you about 10 minutes to complete.. but don’t rush through it! You are going to need to write down some **very** important information, so take your time, grab a pen and some paper and get comfortable. Together we going to go through this... Xaman can only be download from 1 of 2 places:


Xumm for iOS	Apple store big.png	https://apps.apple.com/us/app/xumm/id1492302343
Xumm for Google Play	Google store big.png	https://play.google.com/store/apps/details?id=com.xrpllabs.xumm

Just select one of the above links and press the **Install** button begin the download.

Once the download has completed, press the **Open** button to begin the Xaman installation process and you should be presented with this screen:

Press the **Start** button to begin.

Press **Go** to get to the passcode setup page.

Here is where you enter the 6 digit passcode which you can use to unlock and access Xaman once the installation has completed. When done, press **Next** then re-enter your new passcode and press the **Save** button. {% hint style="warning" %} Try to avoid using a simple passcode such as 123456, 000000, 111111, 222222, etc. since these could be easily guessed. {% endhint %} You will see the Biometric Authentication screen next. Here you can choose **Yes** if you would like to be given the option to sign into Xaman using biometrics and/or sign transactions using biometrics. If you are unsure about this, you can always enable this feature later.

On this screen, you get the option to enable push notifications on your phone. If you are unsure about this, you can always enable the feature later.

The ensuing 9 screens display import information about how Xaman and the XRP Ledger work, our Terms of Service and the current release notes. You will need to acknowledge that you have read through each page to continue.

Next, press the **+ Add account** button.

Here is where you can decide which account you would like to manage with Xaman.


How to create a new XRP Ledger account	Create a new account.png	How to create an XRP Ledger account
How to import an existing XRP Ledger Account	Import an existing account.png	Importing your account (XRPL)
How to import a Xumm Tangem Card	Add Tangem card card.png	How to import your Xaman card

# Your first XRP Ledger account How to create/How to use your first account in Xaman Most people who are new to Xaman (formerly Xumm) will create their first XRP Ledger account during the installation process, but if you skipped that part you can easily create one (or multiple) accounts from within the app. Here's how\...


How to create an XRPL account	How to create an XRP Ledger account	Tokens and coins -3.png
How to import an XRP Ledger account	Importing your account (XRPL)	Man holding a lantern.png
How to add a Xaman Tangem card		Vault -1.png

# How to create an XRP Ledger account How to create an XRP Ledger account using Xaman If you have just finished installing Xaman (formerly Xumm) and are at this page, start by pressing the **Create a new account** button.

1\) If you are **not** at the above screen, launch Xaman and press **Settings** -> **Accounts** -> **+ Add account** -> **Create a new account**.

{% hint style="warning" %} Make sure you read and understand this page then press the **Next, I understand** button. {% endhint %} You will be presented with a set of secret numbers. The secret numbers consist of 8 rows, (A through H) with each row containing 6 digits. (0,1,2,3,-> 9)

You will need to **carefully** write all of the numbers down in the correct order. These numbers are used to generate your private keys. It is vital that you record these numbers correctly and store them in a safe place. After writing down the first row of numbers, press **Next** to see the following row. Repeat this process until you have recorded all of the secret numbers.

The next part of the process is to manually enter all of the secret numbers back into Xaman. Once you have successfully re-entered the correct secret numbers, press the **Next** button to continue.
{% hint style="danger" %} The secret numbers are absolutely vital to the safety of your XRP Ledger account and are **the only way** to access your account in the event something were to happen to your phone. Please do not take this process lightly and make sure you accurately record and safely store your secret numbers. {% endhint %}

You should receive your public address, also known as your r-address. To continue, press the **Next** button.

Press the **Next, I understand** button to continue. Next you should see the following screen:

The following table should help you decide which option is best for you. | Option | Explanation | | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-38ec7270ff8c74b1b3475cf3150dd7fac1d923ae%2Fimage.png?alt=media) | Standard security is a great option your daily spending account. You can sign with your 6 digit passcode or enable biometrics and sign with your face/finger print. | | ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-37f896ec0f68dbe9a25b43008519033032290668%2Fimage.png?alt=media) | Extra security allows you to enter a separate signing password. This is the best option for your long term storage account. | Once you decide, select it and press the **Next** button.

Enter the account label, then touch **Done** and press the **Next** button**.**

Press the **Hooray, let's go!** You should now be at the main screen of Xaman.

Notice that your new account has **not been activated** yet. All XRPL accounts [need to be activated](/app/getting-started-with-xaman/how-to-activate-a-new-xrpl-account) with at least 1 XRP in order to hold XRP in them. Pressing the **Activate your account** button gets you into the "Account Activation" flow.

If you press the **Buy XRP** button you will be provided with several options to purchase XRP.

For more information about activating your new XRP Ledger account, please refer to this article: [**Activating an XRPL account**](/app/getting-started-with-xaman/how-to-activate-a-new-xrpl-account) # Fast onboarding Fast onboarding (risky) and the Back up button When you create your first account with a fresh install of Xaman, the app shows an **Onboarding** screen with two options. * **Write your account secret down now (safer):** You write all 8 rows of your account secret on paper, then you re-enter them in the app. After that, you choose the security level for the account. * **Fast onboarding (risky):** You skip the write-down step for now. The app keeps the numbers and shows a red **Back up** button on the account home screen. The app explains the risky option in its own words: "Write down & re-enter later: all your funds are at risk until you do so!" ### What changes with fast onboarding * The app skips the steps where you write down and re-enter the account secret. * The security level is fixed to **Standard** (sign with FaceID / Passcode). You cannot choose **Extra security** (sign with a password) for a fast-onboarded account. * The app stores the 8 rows of your account secret in the account record on your device. That is why the app can show them to you again. * The app shows a red warning at the top of the account home screen. * Until you have the numbers written down, you cannot recover the account if your phone is lost, stolen, or damaged. If you choose fast onboarding, the app asks you to confirm: "Are you sure you want to proceed? Until you write down your account secret, you will NOT be able to recover your account if your phone gets lost, stolen or damaged." You continue by tapping **I accept the risk**. ### The red Back up button The home screen of a fast-onboarded account shows this red banner: > "You are unprotected in case of lost, stolen or damaged phone!" next to a red **Back up** button. The banner appears only on accounts created with fast onboarding. The app does not show it for imported accounts. ### How to use Back up 1. Open Xaman and select the account. 2. Tap the red **Back up** button. 3. The app shows your secret numbers, one row at a time, labeled A to H. The screen says "Secret numbers of row A" and "Please write down all the numbers". The numbers are read-only on this screen. 4. Write all 8 rows on paper. Store the paper in a safe place. Do not take a photo of the numbers. Do not save them in a note, email, or cloud folder. 5. Use **Previous** and **Next** to move between the rows. Tap **Done** after row H. 6. The app asks you to type each row again, from your paper. The screen says "Confirm the numbers of row A" and "Please repeat the numbers". If a row does not match, the app says "The numbers entered do not match the requested row of numbers." Correct the row and continue. 7. After row H matches, the app says: "Wonderful! You're all set! Whenever you have to recover your account, you can do so by importing the account secret you just wrote down." ### What happens after Back up * The red banner goes away. * The app has no other screen that shows the numbers. From that moment, your paper is the only copy of your account secret. * The security level stays Standard. The app offers no option to add a signing password to a fast-onboarded account later. ### If you lose the numbers Your account secret is not on the ledger and Xaman support has no tool to read it back. Read: [I've lost my account secret](https://help.xaman.app/app/learning-more-about-xaman/ive-lost-my-account-secret.md) **Scam warning.** Xaman staff will never ask for your account secret. Anyone who claims to be Xaman and asks for your 8 rows is a scammer. Do not type the numbers into any website. Anyone who has the 8 rows can move your funds. ### FAQ **Why don't I see the fast onboarding option?** The option appears only when the app has no account on the device. It appears for your first account only. Adding a second account or importing an account skips the choice. **I chose fast onboarding. Can I add a signing password now?** No. The app shows the **Change Password** option only to accounts that were created with a signing password. There is no in-app way to switch a Standard account to Extra security. **Can Xaman support show me my numbers?** No. The numbers exist only in the app record on your device. They are not part of your on-ledger account. **Does Back up work without internet?** Yes. The app reads the numbers from the record on the device. It needs no network connection. # Activating an account (XRPL) How to activate a new XRP Ledger account In order to be able to hold XRP (or any of the 25,000+ tokens issued on the XRP Ledger) in an XRPL account, it must first be activated with a minimum of 1 XRP. An account can be activated several ways but regardless of how it is activated, the first 1 XRP deposited into an XRPL account will be used to meet the reserve requirements and will not be spendable (unless and until the account is deleted and the reserve gets moved to another account). If you're interested, this video explains how reserves and fees on the XRP Ledger work. {% embed url="" %} After you create a new XRP Ledger account in Xaman (formerly Xumm), you are presented with the following screen:

There are four way to activate an XRPL account: * **Option 1** You can purchase XRP from one of our partners to activate your account. * **Option 2** You can activate your account from another XRPL account in Xaman * **Option 3** You can activate your account from an external source like a crypto exchange * **Option 4** You can activate your account from an external source like another XRP Ledger account * **Option 5** If you purchased a Xaman card, one of them comes pre-funded. ### ### **Option 1, 2** The first two options can be done via Xaman by pressing the ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-9caed10f81f97e963900a97a2263404a8a729a57%2Fimage.png?alt=media) button:

Your first option is to purchase XRP from one of our partners. Pressing the, '**Buy XRP**' button gets you into the purchase flow:

Press the down arrow in the "Select your country or currency" field then choose your country or currency and you will see a list of service providers for your region. Select the appropriate service provider by pressing the '**Open xApp**' and follow the instructions provided on the screen. Your second option is to fund your new XRPL account from an existing XRPL already imported into Xaman. Pressing the, '**Fund with existing account**' button gets you into Xaman send flow.

Choose your existing account in Xaman that has already been activated and has at least 1 XRP available for spending. You will be sending it to your new account.

You can choose any of the pre-determined amounts but the first 1 XRP will be ear marked for the account reserve. When done, press the **Activate** button then review the transaction and **Slide to Accept**. {% hint style="warning" %} You will notice that there is a third option, **Fund via an exchange**. Choosing this option does **not actually activate** your account. It simply provides instructions on *how* to send XRP from your exchange account to your XRPL account managed by Xaman. {% endhint %} ### Option 3 There are several crypto exchanges in the blockchain space which also sell XRP. Some of the bigger players include:

Icon	How to transfer XRP from:	Link to open exchange website
	Gatehub	Open
	Bitstamp	Open
	Uphold	Open
	Kraken	Open
	Crypto.com	Open
	Coinbase	Open
	Kucoin	Open
	Binance	Open
	Wirex	Open

For instructions on how to send XRP from one of the above exchanges, simply click on the name of the exchange and follow the steps. If your exchange is not listed above, here are the generic instructions which should help sending from your exchange: {% content-ref url="/pages/i76J4BAfAwhhM3MvNJ8Q" %} [Sending XRP to Xaman](/app/getting-started-with-xaman/sending-xrp-to-xaman) {% endcontent-ref %} {% hint style="warning" %} **Please** make sure that you **thoroughly research** the crypto exchange that you decide to purchase from. Each exchange has their own rules and fee structures which you should fully understand before signing up. Furthermore, just because we have provided a list of exchanges, it does not mean that we support or endorse any of them in any way. It is entirely up to you to decide which crypto exchange you use. {% endhint %} ### Option 4 Finally, you can activate your new XRPL account by sending 1 XRP from **another** XRPL account. For example, if you have a friend, family member, co-worker, etc. who has an activated account, you can have **them** activate your account by having them send 1 XRP to it. Here is how they can send XRP to Xaman:


Sending XRP to Xaman			Sending XRP to Xaman	store van gogh style.png

# What is a "Pre-funded" Xaman card? Explaining a pre-funded Xaman card In case you were not aware, we offer a cold wallet for our users who are interested in the 'next level' of protection for their XRP Ledger (XRPL) account. If you've never heard about them or if you are interested in learning more, this article will provide you with all of the information you'll need. {% content-ref url="/pages/t9E2Ue1CLON8PK8fF9Pa" %} [All about Xaman (Tangem) cards](/app/xaman-tangem-cards/xumm-tangem-cards) {% endcontent-ref %} ### How do I get a Xaman card? There is only one way get Xaman cards. You can purchase two or more cards here: {% embed url="" %} ### How does "pre-funding" work? 1\) Order and pay for the cards. 2\) When we process your order, we pick one out of a box and scan the serial number of the card and record it on our systems. 3 When you receive the cards and import them into Xaman, our application detects the serial number and looks to see if there is a pre-funded amount waiting to be claimed. ( Normally 1 XRP). 4\) After the card creates it's account secret, you will see this screen with the, "Activate your account" button.

5\) When you tap that button you will see this screen:

6\) Tap the, "Activate" button and we will send 1 XRP to your newly created Xaman card account. ### Frequently Asked Questions #### I claimed the pre-funded amount but I can not see it in my account. What gives? In order to be able to hold XRP in an XRPL account, it must first be activated with a minimum of 1 XRP. The first 1 XRP deposited into an XRPL account will be used to meet the reserve requirements and will not be spendable (unless and until the account is deleted and the reserve gets moved to another account). This article provides more information about this: {% content-ref url="/pages/wOpERLo9EEE4bHL9R4xy" %} [About Reserves](/app/xrp-ledger-resources/xrp-ledger-concepts/about-reserves) {% endcontent-ref %} #### I didn't realize I had to claim the pre-funded XRP and activated the account from another source. Can I still claim the pre-funded XRP? You certainly can. Just In order to be able to hold XRP in an XRPL account, it must first be activated with a minimum of 1 XRP. # How to Send XRP from eToro How to Send XRP from eToro to Xaman (deposit) Transferring XRP from eToro to an external XRP Ledger (XRPL) account is a **two-phase process**. eToro does not permit direct withdrawals to an external wallet address straight from its main trading platform; you **must** first move the position to their "eToro Money" crypto wallet app. ### Before you start * A fully verified eToro account * The eToro Money app downloaded and linked to your eToro account * Your external XRPL **r-address** (starts with `r...`) * New, unactivated XRPL accounts require an activation reserve of **1 XRP** to exist on-chain ### Phase 1: Transfer XRP from eToro to eToro Money 1. Log into the main eToro trading app or web platform and go to the **Portfolio** tab. !\[eToro Portfolio — XRP position]\( =300x) 2. Click on **Ripple (XRP)** to view your open positions. 3. Click on the specific open XRP position you wish to move. In the **Edit Trade** window, select **Transfer to Wallet**. !\[Edit Trade — Transfer to Wallet]\( =300x) 4. Review the transfer details. eToro charges a transfer fee (typically 2% of the transaction, minimum $1, maximum $100). 5. Click **Transfer to eToro Crypto Wallet**. The position will show as **Pending Transfer** until eToro processes and approves the request. Processing times can range from a few hours up to several business days. !\[Transfer confirmation]\( =300x) > **Note:** Moving XRP from your eToro portfolio to eToro Money is generally irreversible as a trading position. The asset transitions into standard crypto ownership. eToro has rolled out wallet-to-portfolio returns for select assets, but this is not guaranteed for all. ### Phase 2: Send XRP from eToro Money to your XRPL account 1. Open the **eToro Money** app and log in. Go to the **Wallet** tab, find **XRP**, and tap **Send**. !\[eToro Money Wallet — XRP Send]\( =300x) 2. Enter the **amount** of XRP you wish to send. 3. Paste your external XRPL **r-address** into the **Address** field. 4. Enter a value in the **Destination Tag (dt)** field. If you are sending to a self-custody wallet (Xaman, Ledger, Trezor), enter **123456**. If you are sending to a centralized exchange, enter the destination tag provided by that exchange. !\[Address and Destination Tag]\( =300x) > **Why a Destination Tag?** eToro's address validation may reject a plain r-address with an *"Address does not match chain"* error. Entering a Destination Tag resolves this. For self-custody wallets the tag is not used by the receiving wallet, so any non-zero value (such as 123456) is safe. 5. Tap **Send**. 6. eToro will ask for more information. Select **Self hosted wallet** (if sending to Xaman, Ledger, Trezor, etc.) or **A centralized exchange** (if sending to Coinbase, Kraken, etc.), then tap **Continue**. !\[Self hosted wallet selection]\( =300x) 7. Under **Verify the recipient**, confirm the destination address is correct, then select **Self-Declaration** under the Wallet section. 8. Under **Recipient**, select **Myself** and tap **Continue**. 9. Enter the **SMS verification code** sent to your phone to authorise the transaction. !\[SMS verification]\( =300x) Your XRP will arrive in your XRPL account shortly. ### Things to keep in mind * **Fees:** eToro Money charges 0% wallet operator fee for XRP sends. The only cost is the network fee (typically 0.000045 XRP). The Phase 1 portfolio-to-wallet transfer carries a separate 2% eToro fee. * **Maximum per transaction:** Approximately $50,000 (33,297 XRP at current rates). Additional limits may apply. * **eToro's initial balance reserve:** eToro Money keeps a small amount of XRP in the wallet to maintain the XRPL account reserve. This amount is not available to send. * **Irreversible:** Once confirmed, the on-chain transfer cannot be reversed. Double-check the address before tapping Send. # How to Send XRP from Luno How to send XRP from Luno to Xaman (deposit) Sending XRP from Luno to your Xaman account is a single send flow, but it has one prerequisite that takes time. Luno disables the option to send crypto by default, and after you enable it, a waiting period applies. In some countries that period is up to 30 days. Start with the enablement step first, so the waiting period runs while you read the rest. #### Before you start * A Luno account that holds XRP * The **Send cryptocurrency** option enabled in Luno (see Step 1) * Your Xaman **r-address** (starts with `r...`) * New, unactivated XRPL accounts require an activation reserve of **1 XRP** to exist on-chain. That first 1 XRP is not spendable. See [How to activate a new XRP Ledger account](https://help.xaman.app/app/getting-started-with-xaman/how-to-activate-a-new-xrpl-account). #### Step 1: Enable sending on Luno (one time) For security, Luno disables crypto sends by default. 1. Open the Luno app and sign in. 2. Go to **Profile**, then **Security**. 3. Turn on **Send cryptocurrency**. Alternatively, tap **SEND** anywhere in the app and accept the terms when asked. 4. Luno starts a waiting period. It is usually 24 hours, but in some supported countries it is up to 30 days. The app shows you the date the option will activate, and you receive an email when it activates. > **Note:** Do this step first. The waiting period starts when you enable the option, not when you send. #### Step 2: Find your Xaman r-address 1. Open Xaman. 2. Your r-address is on the account card at the top of the home screen, under your account name. 3. Tap **Receive** to copy the address or share the QR code. > **No destination tag needed.** Your Xaman account is self custodial and does not use a destination tag. If the Luno send flow shows a tag or memo field, leave it empty. Luno's own help center confirms that Luno does not enforce a destination tag for sends to external wallets. (Uncertain: whether the Luno send flow shows a tag field at all for external XRP sends.) #### Step 3: Send the XRP from Luno 1. Sign in to the Luno app. 2. Select **Portfolio**. 3. Select your **Ripple (XRP)** wallet. 4. Tap **SEND**. 5. If Luno asks you to choose a network, choose **Ripple**. Do not choose any other network. (Verified: Luno's supported assets list names the XRP network "Ripple".) 6. Paste your Xaman r-address and tap **NEXT**. Alternative: tap the QR code icon at the top right and scan the QR code from your Xaman Receive screen. 7. If the Travel Rule applies in your country, answer the questions Luno asks. 8. Enter the amount and tap **NEXT**. 9. Review the amount and the network fee, then tap **CONFIRM**. Your XRP should appear in Xaman within a minute or two. The XRP Ledger itself confirms in about 4 seconds. Any delay beyond that is on Luno's side. See [Sending XRP to Xaman](https://help.xaman.app/app/getting-started-with-xaman/sending-xrp-to-xaman). #### Things to keep in mind * **Fees:** Luno charges a dynamic network fee based on network activity. It is displayed before you confirm. * **Limits:** Send limits depend on your country and your verification level. Check the limits screen in the Luno app for your region. * **Test send:** Luno recommends sending a small test amount first to confirm the transaction works. * **Irreversible:** Once confirmed, the transfer cannot be reversed. Double check the r-address character by character before you confirm. * **If it does not arrive:** Contact Luno support with the transaction ID. Xaman cannot see the funds until Luno submits the transaction to the XRP Ledger. # How to Send XRP from GateHub How to send XRP from GateHub to Xaman (deposit) 1\) Sign into your Gatehub account and click the **Send Payment** option.

2\) Select **XRP Ledger**.

3\) Enter your **Password** and **2-Factor Authentication code**.

4\) Enter **your r-address** for your XRPL account managed by Xaman, specify the amount to send, then press **Continue**.

Note: In Xaman, you can find your r-address here:

5\) Your XRP will arrive in your XRP Ledger account managed with Xaman shortly. 🎉 # How to Send XRP from Uphold How to send XRP from Uphold to Xaman (deposit) 1\) Sign into your Uphold account then press the **down arrow** in the **From** field.

2\) Choose your **XRP account**.

3\) Enter the amount of XRP to send.

4\) Press the **down arrow** in the **To** field.

5\) Choose **XRP (XRP Ledger network)**

6\) Press the **Preview Withdrawal** button.

7\) Enter **your** **r-address** from Xaman into the **XRP address** field then press the **Confirm** button.

Note: In Xaman, you can find your r-address here:

8\) Press the **Confirm withdrawal** button.

9\) Your XRP will arrive in your XRP Ledger account managed with Xaman shortly 🎉 # How to Send XRP from Kraken How to send XRP from Kraken to Xaman (deposit) 1. Sign into your account on the Kraken website. 2. Select the “**Funding**” menu.

3. Select the “**Withdraw**” button.

4. Select the “**Ripple XRP**”.

5. Press the “**Add Ripple address**” button.

6. Create a name for your Xaman account in the “**Address description**” field. (We called ours "Xaman Savings Account.) 7. Enter the r-address of your Xaman account to the “**Withdrawal address**” field.

**Note:** Your r-address in Xaman can be found on the main screen as indicated in this picture:

**Note 2:** A Destination Tag/memo is not required when sending **to** a self-custodial XRP Ledger account, like accounts managed with Xaman. 8. Press the “**Add withdrawal address**” button. 9. Press the “**OK**” button.

10. Check your Email account. Locate the most recent Email from Kraken and click on, “**Confirm withdrawal address**”

11. In the “Withdrawal amount” field, enter the amount of XRP you would like to send then press the “**Withdraw xx.xx XRP**” button.

Your XRP will arrive in your XRP Ledger account managed with Xaman shortly 🎉 # How to Send XRP from Crypto.Com How to send XRP from Crypto.com to Xaman (deposit) 1\) Launch the [Crypto.com](http://crypto.com) wallet.

2\) Select **XRP**.

3\) Press “**Transfer**”

4\) Press “**Withdraw**”

5\) Press “**Crypto**”

6\) Press “**External Wallet**”

7\) Press “**+ Add Wallet Address**”

8\) Press “**Ripple**”

9\) Enter **your** **r-address** managed by Xaman, select “**No destination tag required for my wallet**” and add a “**Wallet Name**” then press “**Continue**”.\ \ Note: You can find your r-address in Xaman here…

10\) Press the “**Withdraw XRP**” link, then enter the amount your would like to Withdraw and press the “**Withdraw**” button.

11\) Review the transaction and if correct, press the “**Confirm**” button.

12\) Enter your Crypto.Com **passcode** when prompted. Your XRP will arrive in your XRP Ledger account managed with Xaman shortly 🎉 # How to Send XRP from Coinbase How to send XRP from Coinbase to Xaman (deposit) 1. Open the Coinbase app, select the "**Send"** button.

2. **Enter the amount** you would like to send to your XRP Ledger account managed with Xaman then press, “**Continue**”.

⚠️ Please note: If you are trying to activate an account on the XRP Ledger, you will need to send at least **10 XRP** 3. Enter **your r-address** from Xaman, (No XRP Tag is needed.) then press “**Preview send**”.

Note: You can find your r-address in Xaman here…

3. Select “**Yes, I’m sure**”.

⚠️ Please note: When sending to your self-custodial XRP Ledger account managed by Xaman, a destination tag/ XRP Tag is not required. 5. Tap the **“Send now”** button and wait for Coinbase to process your transaction.

5. Press “**Done**”.

Your XRP will arrive in your XRP Ledger account managed with Xaman shortly 🎉 Note: For your you convenience, we have created this short video to guide you through the above steps. {% embed url="" %} # How to Send XRP from Kucoin How to send XRP from Kucoin to Xaman (deposit) 1\) Sign into your Kucoin account, then select the **Withdraw** option.

2\) Enter **your r-address** into the **Wallet Address** field.

Note: You can find your r-address in Xaman here…

3\) Click the **down arrow** in the **Network** field and select **XRP Ripple**.

4\) Enter the amount you would like to send in the **Amount** field. (Kucoin has a minimum withdraw amount of 20.5 XRP) then press the **Withdraw** button.

5\) Press the **Continue** button.\ \ Note: Self-custodial accounts, like the ones managed by Xaman do not require destination tags.

6\) Press the **Confirm** button.

7\) Press the **Confirm** button to complete the withdrawal.

# How to send XRP from Binance How to send XRP from Binance to Xaman (deposit) 1\) Go to the Binance website, sign into your Binance account and choose the **Wallet** menu then **Fiat and Spot**.

2\) In the search field, enter **XRP** and press Enter.

3\) From the results, choose **XRP** then select **Withdraw**.

4\) Make sure that you enter **your** **r-address** correctly, (the r-address of your account in Xaman.), then choose the correct network. (**XRP** Ripple). Note: You can find your r-address in Xaman here…

You should not need to enter anything into the MEMO field.

5\) Finally, **enter the amount of XRP** you would like to withdraw and press the **Withdraw** button. Your XRP will arrive in your XRP Ledger account managed with Xumm shortly 🎉 # How to Send XRP from Bitrue How to send XRP from Bitrue to Xaman (deposit) 1\) Go to the Bitrue website, sign into your Bitrue account and choose the **Assets** menu then **Spot**.

2\) Locate your XRP in the list and press the **Withdraw** link.

3\) In the *Network* field, press the down arrow and select **XRPL**. 4\) In the *XRP Withdraw Address* field enter **your account r-address from Xaman**.\ \ Note: You can find your r-address in Xaman here…

5\) Check the **No Tag** option. 6\) In the *Amount* field, enter the amount you would like to send. 7\) Press the **Withdraw XRP** button.

# How to Send XRP from Bitstamp How to send XRP from Bitstamp to Xaman (deposit) * Open your Xaman app, and tap and hold your account address (r…) and **Copy** your account address * Switch to the Bitstamp app, select **Wallet** * Tap the **XRP** wallet * Enter an **amount** to send to Xaman ⚠️ Please note: if your XRP Ledger account (managed with Xaman) has not been activated, send at **least 11 XRP** ([10 XRP reserve](https://support.xumm.app/hc/en-us/articles/360018166079) and 1 XRP extra in case there are withdrawal fees * **Paste** your XRP Ledger account (managed with XUMM) address copied in the first step in the **XRP withdrawal address** field. **Don’t enter a Destination tag**, this is [**not required**](https://support.xumm.app/hc/en-us/articles/360018135860) for XRP Ledger accounts managed with Xaman. * Confirm by tapping the **Withdraw** button * Optionally, if requested: enter your 2FA code and confirm your withdrawal with the e-mail Bitstamp may send you * Your XRP will arrive in your XRP Ledger account managed with Xaman shortly. 🎉 While this video does not specifically show how to send XRP to your XRPL account managed by Xaman, it does should how to send XRP in general. {% embed url="" %} # Importing your account (XRPL) About importing your existing XRP Ledger account You can import an XRP Ledger account in either of these two modes:\ \ **Full access** - Choose this option if you would like to be able to interact with your XRPL account. ie. if you would like to create a Trust Line or send XRP to another account. **Read only** access - Choose this option if you would like to simply follow the activity of an XRPL account. This option does not allow you to sign transactions on your account. Most people choose to import their accounts with **Full access** so they can interact with the XRP Ledger. As well, Xaman is compatible with all industry standard account secrets. Choose the appropriate one which applies to your account.


Secret Numbers	Secret numbers.png	How to import your Secret Numbers
Family Seed	Family Seed.png	How to import your Family Seed
Mnemonic	Mnemonic.png	How to import your Mnemonic

If you have a Xaman (Tangem) card, this article explains how to import it:


How to add a Xaman (Tangem) card			How to import your Xaman card	Image - X.png

#### If your account was created during the Casino Coin swap... If you have access to your old CasinoCoin wallet secret in the form of a code that starts with a lower case **s**, you can **import your CasinoCoin wallet secret** [**with this link (scan the QR with Xaman)**](https://xumm.app/detect/secret?type=alt-family-seed\&name=CasinoCoin\&alphabet=cpshnaf39wBUDNEGHJKLM4PQRST7VWXYZ2brdeCg65jkm8oFqi1tuvAxyz). If you do not have your CasinoCoin secret mentioned above, the CasinoCoin team has documented a process to access accounts created during the CSC swap. You can find the instructions here: [How to recover a CasinoCoin account](https://eminence.freshdesk.com/support/solutions/articles/80000965171-how-to-recover-a-swapped-casinocoin-xumm-account) If you run into any trouble with the recovery process, please contact the CasinoCoin support staff here: [CasinoCoin Support](https://eminence.freshdesk.com/support/tickets/new) # Should I import my XRP Ledger account into Xaman? Importing your account secret might not make sense Xaman (formerly Xumm) is an excellent application for making payments on the XRP Ledger (XRPL), interacting with the XRPL ecosystem and for safely storing your private keys. For many people, moving their existing XRPL accounts over to Xaman seems like a good idea. Xaman is convenient, easy to use, and very secure, so why not import your account into Xaman to take advantage of all its features...? ### Hardware wallets vs Xaman Hardware wallets are largely about **long term storage** of your assets. A hardware wallet stores the private keys for an XRP Ledger account on a device that is not directly connected to the internet. Transactions can only be signed on the XRPL account if the signer is in possession of the hardware device. Storing private keys 'offline' limits some potential attack vectors on an account. Xaman is largely about enabling interaction with the XRP Ledger ecosystem. Xaman stores the private keys for an XRP Ledger account on a mobile device. (Which is presumably connected to the internet at various times.) It allows a user to sign transactions on their XRPL account via their phone. By storing private keys on a device that is 'on line', it exposes an account to other types of potential attack vectors. ### Potential risks... Any time private keys are entered into any software there are potential risks. Spyware, malware, key-loggers, screen capture software, viruses, and many more attack vectors can come into play when entering your private keys. If you are planning on importing an existing XRPL account into Xaman, please take the time to consider some of the risks associated with doing this. {% hint style="warning" %} This section asks questions which are intended to make you think about the nature of your XRPL account, how it was created and how private keys are stored. If you are not sure what the answers are to some of them, contact your current wallet and ask them. You should have a general understanding of these concepts before you import your account into any software application. (or hardware device) {% endhint %} #### How were the private keys generated? * Do you trust the company/service that generated the keys? * What was the source of entropy that was used to generate your keys? * [Entropy is the randomness that makes private keys safe](https://en.wikipedia.org/wiki/Entropy) * Has that source been audited? #### How are your private keys stored? * Can your keys be viewed using your current wallet? * Was you account managed by a previous wallet? * Are your private keys stored online? (ie. in a "cloud backup"?) * Which encryption method was used to store your keys? #### Why are you importing your account? * Are you planning to participate in the XRP Ledger community? * Do you want to be able to access your hardware wallet account using Xaman? While importing private keys into Xaman is certainly easy to do, you should consider why you are taking the risk of importing them into Xaman when there is a much safer option...🤔 ### Our Recommendation The safest way to protect your funds is to [**create a** **new XRPL account**](/app/getting-started-with-xaman/your-first-xrp-ledger-account/how-to-create-an-xrpl-account) using Xaman, then move your assets to your new account. There are a number of benefits to doing this: * Accounts generated by Xaman use a world-class algorithm to generate a set of eight, six-digit Secret Numbers used to access the account. Our algorithm has been audited and tested hundreds of thousands of times. You can trust that your Secret Numbers will not be duplicated by any other software or service. * Xaman only displays the account secret once, when an account is generated. There is no way to access or view it after it is initially displayed. No one, other than you will ever see the account secret after the account is created. * After a new account is generated, the [**account secret is encrypted**](/app/security-and-xaman/all-about-security/upgrading-your-encryption) and immediately stored in Xaman. The algorithm we use to encrypt it is exceptionally secure. * If something were to ever go wrong, it is much easier to narrow down the source of the issue if the account was generated in Xaman.
### Frequently Asked Questions #### I want to import my hardware wallet account into Xaman. Consider the reason why you want to do this. For most hardware wallets, the main selling feature is that they generate and store the private keys for an account 'off line'. This means that an XRPL account managed by a hardware wallet is protected from some potential attack vectors. By importing your hardware wallet account into Xaman, you are bringing your private keys into a software wallet (Xaman) which is 'on line'. (ie. Xaman is installed on a mobile device which is most likely connected to the internet at various times throughout the day.) Doing this will negate the main selling feature of your hardware wallet. Are you sure this is what you want to do? If so, this article explains how to do this: {% content-ref url="/pages/S4nEQvzgbjW6XQ5pkzCD" %} [How to import your Mnemonic](/app/getting-started-with-xaman/importing-your-account/...with-a-mnemonic) {% endcontent-ref %} #### Instead of importing my hardware wallet, can I just configure a regular key to it? Rather than importing your private key for your hardware wallet account directly into Xaman, it is possible to create a second XRPL account, configure a regular key it, then import your hardware wallet account into Xaman in 'read only' mode. Doing this keeps your secret keys 'offline" but still allows signing access to your account. As long as you understand that doing this will allow you to **access your hardware wallet account directly using Xaman**, this is a better option than entering your private key into Xaman. A regular key will "link" your hardware wallet account to a second XRPL account that will be managed by Xaman. This second XRPL account will not contain any funds and does not need to be activated with 10 XRP, but it will allow you to sign transactions on your hardware wallet account using Xaman. {% hint style="warning" %} This means you will have full and direct access to your hardware wallet account with Xaman and you will not need your physical hardware wallet to access the account. {% endhint %} If this is what you would like to do, here are the instructions: {% content-ref url="/pages/5iD2zILKPUvaSSl7Tj2i" %} [How to import an XRP Ledger account from a hardware wallet](/app/getting-started-with-xaman/importing-your-account/how-to-import-an-xrp-ledger-account-from-a-hardware-wallet) {% endcontent-ref %} #### I created my account during the CasinoCoin swap. Should I consider creating a new XRPL account? The XRPL accounts that were created during the CasinoCoin swap used a process that some people might find a little difficult to understand. If you ever need to import one of those accounts, there is a special set of instructions to assist you: [How to recover a CasinoCoin account](https://eminence.freshdesk.com/support/solutions/articles/80000965171-how-to-recover-a-swapped-casinocoin-xumm-account) # How to import your Secret Numbers How to import your existing XRP Ledger account with Secret Numbers From the main screen of Xumm, press the ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-5c0d8d14eecbe8210f8184eb15c1ad24fa2ef984%2Fimage.png?alt=media)button then press

You should see this screen:

Press the **Import an existing account** button. You will see:

You can import an XRP Ledger account in either of these two modes: **Full access** - Choose this option if you would like to be able to interact with your XRPL account. ie. if you would like to create a Trust Line or send XRP to another account. **Read only** access - Choose this option if you would like to simply follow the activity of an XRPL account. This option does not allow you to sign transactions on your account. If you decide to import your account in Read only access mode, stop, and refer to this article: * [**Import an account in Read only mode**](/app/getting-started-with-xaman/importing-your-account/...in-read-only-mode) Otherwise, choose **Full access** and press the **Next** button. You should see this screen:

Xumm is compatible with all industry standard account secrets. In this case we will choose the Secret Numbers. When you created your XRP Ledger account using Xumm, you would have received a set of secret numbers consisting of 8 rows, (A-H), each with 6 digits. You will need to have those numbers in order to proceed. We are going to choose the **Secret numbers** option and press **Next**.

Enter the secret numbers for your account using the buttons and press the **Next** button when complete. Please ensure that r-address that is displayed is the one that you intend to import. If it is **not correct**, please press the

button, then double check and re-enter your secret numbers. When the correct r-address is displayed, press the **Confirm** button.

Next you should see the following screen:

You should see this screen:

Press the **Import an existing account** button. You will see:

Xaman is compatible with all industry standard account secrets but in this case we will choose **Family Seed** then press **Next**.

A Family seed is a string of numbers and letters that is 29 characters long that starts with the letter "s". For example: s4rj7hy5vdth65f4fy89hg4ffh77hg Enter your Family seed then press **Next**.

Please ensure that r-address that is displayed is the one that you intend to import. If it is **not correct**, please press the

button, then double check and re-enter your Family seed. When the correct r-address is displayed, press the **Confirm** button. You should see the following screen:


Should I import my Mnemonic into Xumm?			Pyramid - Image.png	Should I import my XRP Ledger account into Xaman?

If you decide to proceed, launch Xumm then press the ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-5c0d8d14eecbe8210f8184eb15c1ad24fa2ef984%2Fimage.png?alt=media)button then press

You should see this screen:

Press the **Import an existing account** button. You will see:

Xumm is compatible with all industry standard account secrets. In this case we will choose the **Mnemonic** the press **Next**.

Press **Next, I understand**

Here is where you can enter your 12, 16, or 24 words. When done, press the **Next** button.

Please ensure that r-address that is displayed is the one that you intend to import. If it is **not correct**, please press the

button, then double check and re-enter your Mnemonic words. When the correct r-address is displayed, press the **Confirm** button. You should see the following screen:

The following table should help you decide which option is best for you. | Option | | | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-38ec7270ff8c74b1b3475cf3150dd7fac1d923ae%2Fimage.png?alt=media) | Standard security is a great option your daily spending account. You can sign with your 6 digit passcode or enable biometrics and sign with your face/finger print. | | ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-37f896ec0f68dbe9a25b43008519033032290668%2Fimage.png?alt=media) | Extra security allows you to enter a separate signing password. This is the best option for your long term storage account. | Once you decide, select it and press **Next** then enter the account label and press **Next** to complete the import process. # How to import your Xaman card How to add a Xaman card Importing a Xaman card takes about two minutes. All you need is your phone with NFC enabled and the card itself, no seed phrase, no password, no paperwork. #### Before you begin You will need:
* A phone with **NFC** (most iPhones from the 7 and up, most Android phones from 2018 and up) * Your **Xaman card** (the credit-card-sized hardware security key) * The **Xaman app** installed and updated to the latest version If your phone does not support NFC, Xaman will show an error: \*"Using Tangem cards requires NFC capabilities. Your phone does not seem to support NFC."\* You will need a different device. ### ### ### Before you begin... If you are reading this article, you have probably just received your new Xaman Cards and are eager to get them setup and configured properly. Most people will want to configure one of the cards as a "backup" card. This is an excellent idea because it ensures that if something were to happen to one of the cards, the other card could be used to access the assets in the account. In order to configure a backup card, you **must** import **two** cards into Xaman. That means that you will need to go through the following steps **twice,** once for **each card**. If you decide to **not** import two cards into Xaman, you will **not** be able to run the Tangem Backup xApp or configure a backup card. ### Importing a the cards and generating new XRP Ledger accounts 1\) From the main screen of Xaman, press the **Settings** button, choose **Accounts**, then press the the **+ Add account** button. You should see this screen:

2\) Choose **Add Tangem card** then hold one of the cards up to the NFC reader on your phone. You should see this message:

3\) Tap **Generate account** then hold the card against the NFC reader on your phone again.

4\) Xaman will ask you test the card. Press the **Verify** button.

5\) After you have scanned the card, Xaman will display the r-address that the card belongs to. Press the **Confirm** button.

6\) Enter the account label for the card then press the **Next** button.

You have successfully imported one of your aman Cards into Xaman!🥳 {% hint style="danger" %} If you are planning to configure a backup card, you are going to need to **repeat** all of the steps above with a **second card**. If you do not import a second card, you will not be able to configure a backup card. {% endhint %} ### Activating your accounts If your plan is to configure a backup card, only **one** of the cards will need to be activated. The second card **does not** need to be activated with 10 XRP. This article explains how this works:


Xaman (Tangem) card backup			Rocky stream.png	How to configure a backup signing account

# How to import an account in Read Only mode How to import an XRP Ledger account in Read Only mode You can import an XRP Ledger account in either of these two modes:\ \ **Full access** - Choose this option if you would like to be able to interact with your XRPL account. ie. if you would like to create a Trust Line or send XRP to another account. **Read only** access - Choose this option if you would like to simply follow the activity of an XRPL account. This option does not allow you to sign transactions on your account. Most people choose to import their accounts with Full access but if you are interested in just monitoring an account's activity, you can import in **Read only** mode. 1\) Launch Xaman then press the **Settings** button, choose **Accounts** then press the **+ Add account** button. You should see this screen:

2\) Press the **Import an existing account** button.

3\) Select **Read only** then press **Next**.

4\) Enter the **r-address** of the account you would like to import then press **Next**.

5\) Enter the label of the account then press **Next**. # How to import an XRP Ledger account from a hardware wallet Importing an XRPL account created on a hardware wallet ### Bringing your hardware wallet online It is important to understand what this process does because it changes the access to the XRP Ledger (XRPL) account managed by a hardware wallet. Hardware wallets are largely about **long term storage** of assets. A hardware wallet stores the private keys for an XRPL account on a device that is not connected to the internet. The hardware wallet can only sign transactions on an XRPL account if the hardware device is physically present. Storing your private keys offline limits some potential attack vectors on your account. Xaman (formerly Xumm) is largely about enabling interaction with the XRP Ledger ecosystem. Xaman stores the private keys for an XRPL account on a mobile device, which is connected to the internet. It allows you to sign transactions on your XRPL account on your phone. By storing your private keys on a device that is 'online', it exposes your account to other types of potential attack vectors. {% hint style="warning" %} By following these instructions, you will be able to access **all of your XRPL assets** stored in your hardware wallet **using Xaman**. This means that you will not exclusively need your hardware wallet to access your XRP. You will be able to access it with Xaman in addition to being able to access it with your hardware wallet. {% endhint %} We strongly recommend you read this article before continuing: {% content-ref url="/pages/Xy9IKXqjvH1qEaMTw813" %} [Should I import my XRP Ledger account into Xaman?](/app/getting-started-with-xaman/importing-your-account/should-i-import-my-xrp-ledger-account-into-xaman) {% endcontent-ref %} ### Importing your XRP Ledger account created on your hardware device 1\) On your phone, create a new Full-Access XRP Ledger account in Xaman.
{% content-ref url="/pages/jOtNERbOWmCCjmAbPQKO" %} [How to create an XRP Ledger account](/app/getting-started-with-xaman/your-first-xrp-ledger-account/how-to-create-an-xrpl-account) {% endcontent-ref %}

The account will look like the image above when done.

1.1) It is not necessary to fund (activate) this account as all it will do is sign transactions. 2\) Press the **Show account QR** button. You should see a screen that looks like this:

3\) Get your **hardware wallet,** go to a computer and select this link to go to [**XRP Tool Kit**](https://www.xrptoolkit.com/)**.** 4\) Sign into XRPToolkit.com with your hardware wallet then choose the ***Account*** menu and select ***Signers***.

5\) In the ***Assign Regular Key*** section, press the QR code button in the *Regular Key* field, then scan the QR code from Xaman on your phone. (The one from Step 2 above.)
Alternatively, you can manually enter your Xaman r-address in the *Regular key* field.

7\) Sign the transaction with your hardware wallet. 8\) On your phone, import your XRPL account created on your hardware wallet into Xaman in **read only mode**. {% content-ref url="/pages/wK33oGskwmL6CUJJWMax" %} [How to import an account in Read Only mode](/app/getting-started-with-xaman/importing-your-account/...in-read-only-mode) {% endcontent-ref %}

{% hint style="info" %} Importing your hardware wallet account into Xaman in read only mode **does not** require entering your mnemonic (private key) into Xaman. It only requires that you enter your r-address (public key). {% endhint %} ### How it works If you successfully followed the above instructions, you are able to sign transactions on your hardware wallet account, using the new XRPL account created in Xaman.
This only works if both accounts are in Xaman.\ \ Xaman will see that the read-only account has a *Regular Key* assigned and offer the option to use the *Regular Key* to sign transactions for the read-only account if the *Regular Key* account is also in Xaman. Since you imported the hardware wallet account into Xaman in **read only** mode, the private key was not brought 'online' and still remains on your hardware wallet. If you are interested in learning more about how regular key pairs work on the XRP Ledger, please visit this site: {% embed url="" %} # Buying XRP How to buy XRP using Xaman We offer several easy ways to purchase XRP from the Xaman (formerly Xumm) platform. Take a minute to read through the following options and determine which one best meets your needs. ### **Option 1** We have partnered with several crypto exchanges including: Topper, Banxa, BTCDirect,, Guardarian and C14 which all offer the option to purchase XRP.

Exchange	Link to xApp
	Banxa xApp
	BTCDirect xApp
	Guardarian xApp
	Topper xApp
	C14 xApp

Our partners offer exchange services to most countries around the world. If you are interested in determining which exchange provides services in your country, simply tap the following link: [**Buy/Sell XRP**](https://xumm.app/detect/xapp:xumm.buysellxrp) then select your country or currency by pressing the down arrow.

Xaman will list the exchanges that you can purchase XRP from. ### Option 2 There are several crypto exchanges in the blockchain space which sell XRP. Some of the bigger players include:

Icon	How to transfer XRP from:	Link to open exchange website
	Gatehub	Open
	Bitstamp	Open
	Uphold	Open
	Kraken	Open
	Crypto.com	Open
	Coinbase	Open
	Kucoin	Open
	Binance	Open
	Wirex	Open

{% hint style="warning" %} **Please** make sure that you **thoroughly research** the crypto exchange that you decide to purchase from. Each exchange has their own rules and fee structures that you should fully understand before signing up. Furthermore, just because we have provided a list of exchanges, it does not mean that we support or endorse any of them in any way. It is entirely up to you to decide which crypto exchange you use. {% endhint %} ### Frequently Asked questions #### Didn't Xaman offer an On/Off Ramp solution at one point? Yes, but unfortunately it has been discontinued. # Banxa All about the Banxa serivce {% hint style="info" %} This article is currently under construction {% endhint %} ### What is Banxa? Banxa is a financial technology platform that provides On/Off ramp solutions for XRP. Banxa is not a bank / authorised deposit taking institution. Crypto Assets are not FDIC-insured products. ### What kind of partnership does Banxa have with Xumm? We have partnered with Banxa (among others) in order to provide On/Off-ramp services to our user around the world. ### Where are they located? Banxa has offices in: **Global Internet Ventures Pty Ltd**\ Level 2, 2/6 Gwynne Street\ Cremorne, Victoria 3121\ Australia **BNXA USA MTL Inc.** (NMLS ID: 2347615)\ 1 East Liberty Street\ Suite 600, Office 16\ Reno NV 89501\ United States of America **EU Internet Ventures B.V.**\ Piet Heinkade 95b, 1019GM\ Amsterdam\ The Netherlands Au ### How do I use their services via Xumm? ### How do I contact Banxa if I have questions about their services? Banxa can be reached via their site at: {% embed url="" %} ### # BTC Direct All about the BTC Direct service BTC Direct is a crypto on-ramp/off-ramp service provider which offers the ability to purchase XRP with EUR and sell XRP for EUR directly through an xApp in Xaman. {% embed url="" %} ### **How to find it in Xaman** BTC Direct can be found by pressing the **xApps** button at the bottom of the main screen, then scrolling through the list of xApps until you find BTC Direct.

or by going through out Buy/Sell xApp here: {% embed url="" %} ### **How do I to use the BTC Direct xApp** When you first launch the BTC Direct xApp, you have agree to the terms of service.

then you'll be presented with the main purchase screen:

### To purchase XRP Tap the **Buy** button and you should be presented with this screen:

Note: * There is a 30 Euro minimum purchase limit. * Any purchase over 50 Euros will require you to go through a verification process. There are several payment methods:

### Purchases over 50 Euro Any purchase over 50 EUR will require that you create an account with BTC Direct and go through the KYC process. This is normal and is part of the EU regulations for crypto sales.

# Guardarian All about the Guardarian service Guardarian is an on-ramp service for people located in the EU. It allows you to purchase XRP using credit or debit cards. #### How to Access Guardarian in Xaman Guardarian can be found on our on-ramp launchpad here: [buy-sell-xrp.xumm.app](https://buy-sell-xrp.xumm.app/) and our on-ramp xApp at: [xumm.app/detect/app:xumm.buysellxrp](https://xumm.app/detect/xapp:xumm.buysellxrp).

# Topper All about the Topper service Topper is an on-ramp service provided by the crypto exchange Uphold that allows you to purchase XRP using credit or debit cards. ### How to Access Topper on Xumm Wallet Topper can be found on our on-ramp launchpad here: [buy-sell-xrp.xumm.app](https://buy-sell-xrp.xumm.app/) and our on-ramp xApp at: [xumm.app/detect/app:xumm.buysellxrp](https://xumm.app/detect/xapp:xumm.buysellxrp).

### How to contact Topper Support While we have partnered with Uphold to offer services to purchase XRP via the Topper xApp in Xumm, unfortunately we not do have access to their internal systems. To contact Topper Support, press the **FAQ** button.

Scroll down and press the **Contact Us** button.

Enter your question in the form.

# C14 All about the C14 service ### What is C14? C14 is an on-ramp service provider based out of New York that allows you to purchase XRP using funds from your credit or debit cards or directly from your bank account. You can learn all about it on our blog: ### What kind of partnership does C14 have with Xaman? We have partnered with C14 in order to provide On-ramp services to our users around the world. ### Where are they located? **C14** Laisves pr. 60 Vilnius, LT, 05120 ### What is C14's website? ### How do I contact C14 if I have questions about their services? **Customer Service:** +1 (845) 366-6902 or via email: # Using the Flare xApp ### # Overview Overview of the Flare xApp ### Introduction Historically, XRP has been a "passive" asset for investors. You could hold XRP in your account or spend it, but you couldn’t easily earn a yield on it. Most investors just used a "buy and hold" strategy, waiting for the value of XRP to increase before selling for a profit. While that strategy has worked for many, new options are emerging that let you earn yield on your XRP while you wait for the price to rise. The **Flare XRPFi Yield xApp** allows you to put your XRP to work on the Flare Network to earn rewards through a straightforward, two-step process right inside Xaman. ### What does the Flare XRPFi Yield xApp actually do? The xApp acts as a bridge and a portal to the Flare network. Here is the breakdown of what happens when you use it: **Step 1: Bridging your XRP** The xApp allows you to select an amount of XRP to send to a Flare-secured XRP Ledger account ([`rGWGTbxqmpLJ3TYGjoCFDqY9mPQ4T1GTGb`](https://xrplwin.com/account/rGWGTbxqmpLJ3TYGjoCFDqY9mPQ4T1GTGb)). This "locks" your native XRP so it can be used in the next phase. **Step 2: Minting on Flare** Once the XRP is received, a smart contract on the Flare network automatically maps your wallet to a Flare Smart Account and mints FXRP —a 1:1 representation of your XRP— on your behalf. **Step 3: Moving into the Vault** The system then moves your newly minted FXRP into the earnXRP Vault (managed by Upshift infrastructure) on the Flare network. This is where your assets are officially "put to work." **Step 4: Yield Generation** Upshift manages the vault's strategies, deploying the FXRP into various decentralized lending and liquidity protocols. The goal is to generate yield, which is then automatically compounded back into your vault balance. For more technical details on the underlying infrastructure, you can visit: [flare.network/products/flare-smart-accounts](https://flare.network/products/flare-smart-accounts) *** ### **Important Disclaimer** ### **Important Disclaimer** **Flare Smart Accounts, FAssets, and any associated vault products are developed, operated, and managed by Flare and their respective third-party partners. They are not developed, operated, or controlled by XRPL Labs or Xaman.** Xaman serves solely as a signing interface for XRPL transactions. While the Flare Smart Accounts architecture is designed to maintain user custody through XRPL key governance, interacting with DeFi protocols and vault strategies still carries inherent risks including but not limited to: smart contract vulnerabilities, cross-chain execution failures, counterparty exposure at the protocol level, liquidity constraints, and market volatility. Self-custody of keys does not eliminate protocol-level risk. Estimated returns are not guarantees of future results. **Do your own research.** Before interacting with any third-party product through an xApp, understand how it works, what the risks are, where your assets go, and what you are agreeing to. Xaman does not endorse, guarantee, or take responsibility for the performance, security, or outcomes of any third-party xApp, protocol, or platform. # Fees Fees involved in the Flare xApp ### What fees are involved in this process? Since we are dealing with a bridge between two different blockchains (XRPL and Flare), the fees are split between network costs, service fees, and management. **Xaman Service Fee -** Xaman charges a **0.5%** service fee (in XRP) for deposits. ie. If you deposit 10 XRP into the yield program, our fee would be **0.05 XRP**. Note: We do not charge service fees on withdraws.
\ **Flare Minting Fee -** Flare charge a **0.11%** minting fee when FXRP is minted. ie. If you deposit 10 XRP into the yield program, the minting fee would be **0.010945 XRP** The actual Flare fee is calculated on the amount *after* the initial Xaman fee is deducted. (9.95 XRP x 0.0011 = **0.010945 XRP)** **Flare Smart Contract Fee -** Flare charges a **2 XRP** flat fee for the Smart Contract operator.\ \ This is a one-time fee to deploy your Flare Smart Account. **Flare Redemption Fee -** Flare charges a **0.2%** redemption fee. When you withdraw your FXRP to XRP, you will automatically be charged this fee. \ **Upshift Management Fee -** Upshift charges a **1%** management fee per year. This fee is calculated and deducted from the vault on a **daily** basis. \ **Upshift Performance Fee -** Upshift charges a **10%** "performance" fee. On any yield that is earned by the vault, Upshift automatically takes 10%\ . **Summary**


Provider	Fee Type	Amount	Timing	Notes
Xaman	Service Fee	0.5%	Deposit	Calculated on the total deposit amount.
Flare	Smart Contract Fee	2 XRP	One-time	Flat fee to deploy your Flare Smart Account (FSA).
Flare	Minting Fee	0.11%	Deposit	Calculated after the Xaman Service Fee is deducted.
Upshift	Management Fee	1% (Annual)	Ongoing	Deducted from the vault on a daily basis.
Upshift	Performance Fee	10%	Ongoing	Only taken from the yield earned by the vault.
Flare	Redemption Fee	0.2%	Withdrawal	Automatically charged when converting FXRP back to XRP.

*** ### **Important Disclaimer** ### **Important Disclaimer** **Flare Smart Accounts, FAssets, and any associated vault products are developed, operated, and managed by Flare and their respective third-party partners. They are not developed, operated, or controlled by XRPL Labs or Xaman.** Xaman serves solely as a signing interface for XRPL transactions. While the Flare Smart Accounts architecture is designed to maintain user custody through XRPL key governance, interacting with DeFi protocols and vault strategies still carries inherent risks including but not limited to: smart contract vulnerabilities, cross-chain execution failures, counterparty exposure at the protocol level, liquidity constraints, and market volatility. Self-custody of keys does not eliminate protocol-level risk. Estimated returns are not guarantees of future results. **Do your own research.** Before interacting with any third-party product through an xApp, understand how it works, what the risks are, where your assets go, and what you are agreeing to. Xaman does not endorse, guarantee, or take responsibility for the performance, security, or outcomes of any third-party xApp, protocol, or platform. # How to Deposit XRP using the Flare xApp How to deposit XRP using the Flare xApp This flow converts your XRP into **FXRP** on the Flare network, where it earns yield. You will sign **two** transactions during the process. **Step 1 — Open the Flare xApp** Launch Xaman, tap the **xApp** button at the bottom of the screen, then tap **Flare XRPFi Yield**.

**Step 2 — Enter your deposit amount** Decide how much XRP you would like to deposit, enter the amount, and press **Request deposit**.

**Step 3 — Sign twice** You will be asked to sign **two** transactions in sequence:
1. **First signature** — sends your XRP to Flare and mints FXRP on the Flare network. 2. **Press Deposit Now**, then **second signature** — deposits your FXRP into the Flare vault where it begins earning yield.

**Step 4 — Done** You will see a short loading screen while the deposit completes. Your FXRP is now in the vault earning yield. You can view your balance anytime in the Flare xApp. #### What happens next? * Your FXRP accrues yield on the Flare network. * To withdraw, open the Flare xApp and use the **Redeem** flow (sends FXRP back to XRP in your Xaman wallet). * Withdrawals are subject to network conditions and may take a few minutes. #### Frequently Asked Questions **"Why can't I deposit XRP into the fund?"** Common causes: * You entered an amount below the minimum (check the field for the minimum). * Your XRP balance is insufficient after network fees. * The Flare vault is temporarily full (rare). If none of those apply, [create a support ticket](https://xumm.app/detect/xapp:xumm.support) with a screenshot of the error.\
# The "BreakEven" Calculation The "BreakEven" Calculation ### The "BreakEven" Calculation To help you understand the real-world return on your investments we have put together a couple of **possible** return rates and break even times. This allows you to see approximately how much yield you need to earn to "break even" and start seeing actual profit on your XRP. (This for informational purposes only. These are not guaranteed rates.) **Scenario 1** \ \ **2.5%** Gross APY | **Deposit Amount** | **Total Entry Fees** | **Gross APY** | **Net APY** | **Time to Break Even** | | ------------------ | -------------------- | ------------- | ----------- | ---------------------- | | 100 XRP | \~2.61 XRP | 2.5% | 1.35% | \~25.6 Months | | 500 XRP | \~5.05 XRP | 2.5% | 1.35% | \~10.9 Months | | 1,000 XRP | \~8.09 XRP | 2.5% | 1.35% | \~9.0 Months | | 5,000 XRP | \~32.47 XRP | 2.5% | 1.35% | \~7.6 Months | | 10,000 XRP | \~62.94 XRP | 2.5% | 1.35% | \~7.4 Months | *Note: At this conservative rate, your Net APY is 1.35%.*
**Scenario 2** \ \ **3.5%** Gross APY | **Deposit Amount** | **Total Entry Fees** | **Gross APY** | **Net APY** | **Time to Break Even** | | ------------------ | -------------------- | ------------- | ----------- | ---------------------- | | 100 XRP | \~2.61 XRP | 3.5% | 2.25% | \~15.4 Months | | 500 XRP | \~5.05 XRP | 3.5% | 2.25% | \~6.5 Months | | 1,000 XRP | \~8.09 XRP | 3.5% | 2.25% | \~5.4 Months | | 5,000 XRP | \~32.47 XRP | 3.5% | 2.25% | \~4.6 Months | | 10,000 XRP | \~62.94 XRP | 3.5% | 2.25% | \~4.5 Months | *Note: At this rate, your Net APY is 2.25%.* **Scenario 3** \ \ **6.5%** Gross APY | **Deposit Amount** | **Total Entry Fees** | **Gross APY** | **Net APY** | **Time to Break Even** | | ------------------ | -------------------- | ------------- | ----------- | ---------------------- | | 100 XRP | \~2.61 XRP | 6.5% | 4.95% | \~7.1 Months | | 500 XRP | \~5.05 XRP | 6.5% | 4.95% | \~3.0 Months | | 1,000 XRP | \~8.09 XRP | 6.5% | 4.95% | \~2.5 Months | | 5,000 XRP | \~32.47 XRP | 6.5% | 4.95% | \~2.1 Months | | 10,000 XRP | \~62.94 XRP | 6.5% | 4.95% | \~2.1 Months | *Note: At this rate, your Net APY is 4.95%.* #### Yield & Break-Even Analysis These calculations account for the 0.5% Xaman fee, the 2 XRP fixed setup fee, and the 0.11% Flare minting fee upon entry, as well as the 0.2% redemption fee upon exit. The Net APY is the actual rate your balance grows at after Upshift deducts its 1% management fee and 10% performance fee. *** ### **Important Disclaimer** **Flare Smart Accounts, FAssets, and any associated vault products are developed, operated, and managed by Flare and their respective third-party partners. They are not developed, operated, or controlled by XRPL Labs or Xaman.** Xaman serves solely as a signing interface for XRPL transactions. While the Flare Smart Accounts architecture is designed to maintain user custody through XRPL key governance, interacting with DeFi protocols and vault strategies still carries inherent risks including but not limited to: smart contract vulnerabilities, cross-chain execution failures, counterparty exposure at the protocol level, liquidity constraints, and market volatility. Self-custody of keys does not eliminate protocol-level risk. Estimated returns are not guarantees of future results. **Do your own research.** Before interacting with any third-party product through an xApp, understand how it works, what the risks are, where your assets go, and what you are agreeing to. Xaman does not endorse, guarantee, or take responsibility for the performance, security, or outcomes of any third-party xApp, protocol, or platform. # Frequently Asked Questions FAQ for the Flare xApp Here are some of the most frequently asked questions our users are asking about. **Which companies are involved in this program?** * **Xaman**: We provide the self-custody wallet interface and the "xApp" environment where you manage the investment. * **Flare Network**: The underlying blockchain that enables smart contracts and the FAsset system (specifically FXRP). * **Upshift**: The company that operates and manages the "earnXRP" vaults and execute the yield-generating strategies. **How are these companies working together?** Xaman acts as your "remote control". We send instructions to Flare via Flare Smart Accounts (FSA). Flare provides the "bridge" to turn your XRP into FXRP, and Upshift provides the "engine" (the vault) where that FXRP is actually deployed to earn rewards. This collaboration allows you to access Flare’s yield program without ever leaving Xaman. **Where does the yield come from?** Yield is generated from three sources within the Flare ecosystem: * **Lending Markets**: Your FXRP is lent to traders or other participants who pay interest. * **Liquidity Provision**: Your assets help facilitate trades on decentralized exchanges (DEXs), earning a portion of the trading fees. * **FAsset Incentives**: The Flare Network provides rewards to users who bridge their XRP, as it increases the network's total value and utility. **How safe is the program?** Safety is our core focus. * **Self-Custody**: You never give your private keys to a third party. You are the only one who can authorize a deposit or a withdraw. * **Audited Contracts**: The FAsset system and Upshift vaults have undergone rigorous security audits. * **Over-collateralization**: FXRP is backed by agents who lock up more value (in FLR or stablecoins) than the XRP they are bridging, providing a safety buffer. **Why should I be using Xaman and this xApp to participate in this?** Historically, earning yield on XRP meant using a **centralized exchange** (where you lose control of your funds) or **manually bridging** your assets (which is technically difficult).Our xApp allows you to easily participate in this program without worrying to about managing a second seed phrase, about buying FLR for gas, —the xApp handles the "plumbing" for you. **What is the worst case scenario?** The primary risks are **Smart Contract Risk** (a bug in the code) or a massive, unprecedented "Black Swan" event on the Flare Network that causes the FAsset collateral system to fail. **I've noticed that my balance of FXRP is slowing declining. Why is that happening?** Upshift Management fees are taken from the vault **daily**. These fees are reflected in the value of your investment. # Sending tokens to Xaman How to send tokens to your XRP Ledger account managed by Xaman ### **Introduction** If you are new to Xaman, it can be a little bit confusing to understand what all the buttons and features do. Trust us when we say, **it does get easier** after a little bit of practice! 😉 This article talks about how to send tokens to Xaman. ### **First things first...** All tokens issued on the XRP Ledger should be sent to your r-address. For example, if someone wants to send XRP to your account, they would send it to your r-address. which you can find here:

{% hint style="info" %} Of course, your r-address will be different than our r-address. Our account is a [Vanity r-address](/app/xaman-pro/features-of-pro/vanity-addresses). {% endhint %} Similarly, if you want to send a token to your account, your would send it **to your r-address**. The second thing to know as that you **can not receive tokens** unless you have configured a Trust Line for those tokens. In our case, if you look at the picture above, we have several Trust Lines configured in our account: * XAH (Xahau) * USDC * Euros (issued by GateHub) * RLUSD This means that we can receive and hold these tokens in our account. ### Putting it together Let's go through an example of how it works. Our friend wants to send us tokens. (In this case, to this account: **rstargateUoNLmD6837twth...**) We can receive XAH, USDC, Euros (issued by GateHub) or RLUSD tokens because we have Trust Lines configured for those tokens. Our friend has their own XRP Ledger account.

We can see that they have XAH tokens (issued by GateHub) just like we do, and they have Euro tokens (issued by GateHub) like us. They are going to send us 10 Euro tokens. First, our friend taps the '**Send**' button.

then they press the **down arrow** in the 'Token' arrow section and select **Euro** (issued by GateHub), then they enter '10' in the 'Amount' field, then press the '**Next**' button.

Now it's time for our friend to enter **our r-address** since we will be the recipient of the tokens. After our complete r-address has been entered, they will press the '**Next**' button.

Finally, we have the Summary screen. Our friend will review the transaction, then slide the '**Slide to send**' button to complete the transaction.

### Frequently Asked Questions **I receive this message when I try to send tokens:**

The person who you are sending tokens to must have a Trust Line setup for the same token. If you are getting that message, the recipient does not have a Trust Line setup for the token you are trying to send. **How to I setup a Trust Line for a token?** This article explains how to do this: {% content-ref url="/pages/Udx6x9jcV2DOMzt8yoCq" %} [How to create a Trust Line](/app/learning-more-about-xaman/how-to-create-a-trust-line) {% endcontent-ref %} **Does each token have a different issuing r-address?** Yes. There are over 50,000 tokens on the XRP Ledger and each one has its own, unique issuing r-address. For more information about Trust Lines and how they work, check out this link: * [All about Trust Lines](https://xrpl.org/trust-lines-and-issuing.html#trust-lines-and-issuing) {% hint style="danger" %} One final note, you should never send tokens back to an issuing account. Doing this will destroy them. If you are unsure about this, please contact us to discuss. {% endhint %} # Sending tokens from Xaman How to send tokens from your XRP Ledger account managed by Xaman Sending tokens from Xaman (formerly Xumm) is a very easy process. In fact, sending tokens is one of its primary functions! Here is how it's done... ### **Step 1** From the main screen in Xaman, press the **Send** button.

On the next screen, you will see the option to enter the **amount** you would like to send. (You can also change the account you would like to send the tokens **from** and you can change the **type** of token you would like to send.)

In our case, we are going to send 1 XRP from our account. Press the **Next** button to continue. ### **Step 2** In this screen you can enter the **recipient's** account that you are sending your tokens to.

Keep in mind, there are two types of accounts on the XRPL. * **Self custodial** accounts - You are solely responsible for managing your private keys. * **Custodial** accounts - A company is responsible for managing the private keys to their account. (Usually a crypto exchange.) You are assigned an account number with the exchange called a destination tag. Both types of accounts will have an r-address but a custodial account will also require a destination tag. (More about destination tags later.) Press **Next** after you have entered/selected the correct destination r-address. ### **Step 3** Finally we reach the **Summary** screen. Here you can review your transaction to make sure it is correct.

If you are sending to a self-custodial account, you can simply **Slide to send** and your transaction will be sent to the XRP Ledger to process. However, if you are sending to a **custodial** account, (ie. an exchange account) this where you would enter your **destination tag**.

{% hint style="success" %} Remember, self-custodial accounts, like the ones managed with Xaman **do not** require destination tags. Only **custodial** accounts require them. {% endhint %} #### **A little bit more about destination tags** You may have noticed that most crypto exchanges have **one** receiving r-address for **all** of their XRP customers? Have you ever wondered how thousands of customers can use just one XRP account? When you create an account with a crypto exchange, they issue you a customer account on their internal database. They also create a destination tag which points to your new customer account and they provide you with **their** XRP Ledger account which you can send and receive XRP. You do not own their XRPL account. They have complete control over it. Since thousands of customers are sending funds to and from the same XRPL account, the only way they can tell which funds belong to which customer is by the destination tag included in each transaction. If you would like to learn a bit more about destination tags, check out this video: {% embed url="" %} ### Frequently Asked Questions #### I noticed that there is a 'Memo' field on the Summary screen before I sign the transaction. What is that for?

The Memo field is a location where you can add additional information to a transaction. For example, you might be paying an invoice and you would like to include an invoice number in your transaction. You could add the invoice number in the Memo field. There are cases where you might want to prove that you own your XRPL account. (ie. Perhaps a crypto exchange or a bank is asking for proof that it is your account.) You could agree to send them a transaction and include a word or phrase that you and the bank agree on in the transaction. You would put the word or phrase in the Memo field. There are also cases where you might have sent funds to a wrong account and you would like to try to contact the account owner and ask them to return your funds. You could write a short message in the Memo field and explain that the funds were sent by mistake and you would be very happy if they returned your funds to you. But, please note, the Memo field is **not for a destination tag**. There is a separate field for destination tags. (As explained above.) # Sending XRP to Xaman How to send XRP to your XRP Ledger account managed by Xaman **Introduction** If you are new to Xaman (formerly Xumm), it can be a little bit confusing to understand what all the buttons and features do. Trust us when we say, **it does get easier** after a little bit of practice! 😉 This article talks about how to send XRP from another XRP Ledger (XRPL) account to your XRPL account managed by Xaman. ### **Background** The first thing to know is that your XRPL account is identified by an "r-address'. Here is where you can find you r-address in Xaman.

{% hint style="info" %} Of course, your r-address will be different than our r-address. Our account is a [Vanity r-address](/app/xaman-pro/features-of-pro/vanity-addresses). {% endhint %} Your r-address basically is your account number on the XRP Ledger. It is the address that you will send your XRP to. You should also know that there are two types of accounts on the XRPL. * **Self custodial** accounts - All accounts managed by Xaman are self custodial accounts. (After all, Xaman is a self custodial wallet.) With a self custodial account, you are solely responsible for managing your private keys. * **Custodial** accounts - A company is responsible for managing the private keys to their account. (Usually a crypto exchange.) You are provided an account address from the exchange and a (unique to your exchange) destination tag. {% hint style="info" %} Destination Tags are usually required when using exchanges. Some exchanges give a different Destination Tag for each transaction. Some exchanges re-use the same Destination Tag for all transactions for your account. make sure you know how your exchange works. {% endhint %} Since this article talks about how to send XRP to your XRPL account managed by Xaman, you will not need a destination tag. See this article for more details about Destination Tags: {% content-ref url="/pages/dFOWBK3Ph8NJqXff0Lde" %} [Destination tags](/app/learning-more-about-xaman/destination-tags) {% endcontent-ref %} ## The '**Send Flow**' Obviously we can not provide step-by-step instructions for every crypto wallet and crypto exchange. (There are just too many of them and they continually change their applications. We can't keep up with all of them!) You goal is to find the "**Send**" option or the "**Withdraw**" option. In Xaman it looks like this:

In GateHub it looks like this:

In Kraken, it looks like this:

In Coinbase, it looks like this:

From there, you often have to choose the **amount** you would like to send. Here is how it looks in Xaman.

You will also need to know the **r-address** that you are sending to. Your r-address basically is your account number on the XRP Ledger. It is the address that you will send your XRP to. See above on how to get your r-address in Xaman. In Xaman, you would enter would enter the **recipient's** account that you are sending your tokens to here.

At this point, you might be asked to choose a "**Network type**". Many exchanges still refer to the XRP Ledger as the "Ripple" network, or simply the "XRP" network. You will have to contact your exchange if they call the XRP Ledger something else and it is not obvious. Finally, many exchanges as for a **destination tag**. XRP Ledger accounts do not require a Destination Tag/Memo ID/XRP tag unless they have been specifically configured to require one. If you exchange or wallet demands that you enter one, you can make up any number you like and try using it. For example, most people use this one: **1234** . In some cases, the exchange requires a 5 or 6 digit number, in which case, you could try: 12345 or 123456. If you are interested, this video provides some additional information on how Destination Tags work... [Destination tags](https://help.xumm.app/learning-more-about-xaman/destination-tags) In Xaman, the **Summary** screen is where you can review your transaction to make sure it is correct and where you would enter a destination tag if you needed to.

### Sending XRP from a crypto exchange account Each crypto exchange will have their own instructions for sending XRP. In the table below, you can find instructions for some of the more popular exchanges.

How to transfer XRP from:	Link to open exchange website
Gatehub	Open
Uphold	Open
Kraken	Open
Crypto.com	Open
Coinbase	Open
Kucoin	Open
Binance	Open
Bitrue	Open
Bitstamp	Open

### Frequently asked questions #### How long does it take for me to get my funds? Transactions on the XRP Ledger take about 4 seconds to complete, so after your exchange submits the transaction to the XRPL, you should see your XRP in your account almost immediately. ...unless your exchange does not submit your transaction to the XRP Ledger right away. In many cases, the exchange will say, "Your transaction has been submitted for processing", or "Your transaction is complete, we will submit it shortly." Remember, crypto exchange control your funds. They can decide if they want to send them, when they want to send them and where they want to send them. We've seen cases where an exchange waited 18 hours before submitting a transaction to the XRP Ledger. You are at their mercy when it comes to accessing your funds with them. If your funds do not arrive in your account within a minute or two, you should be contacting your exchange and find out what the delay is all about. # How to create a RLUSD Trust Line How to create a RLUSD Trust LIne The RLUSD token is a stable coin issued on the XRP Ledger by Ripple. To create a Trust Line for Ripple's RLUSD token, press the '**+ Add a token**' button on the main screen of Xaman:

then choose '**RLUSD**'

Tap the '**Setup TrustLine**' button.

Slide the '**Slide to accept' button**' and sign the transaction.

Press the '**X**' to exit.

You should now see the RLUSD token (Trust Line) on the main screen of Xaman:

# How to remove an account from Xaman How to remove an account from Xaman Removing an account from Xaman deletes it from the device only. Your account still exists on the XRP Ledger with your funds, tokens, and transaction history intact. You can always access it again by importing your account secret back into Xaman. {% hint style="info" %} Before you remove an account, make sure you have its **account secret** (Secret Numbers, Family Seed, or Mnemonic) written down somewhere safe. It's also a good idea to check that it is the correct one for your account. See: [How to test your Account Secret](/app/learning-more-about-xaman/how-to-test-your-account-secret) {% endhint %} *** ### Steps 1. Open Xaman and tap **Settings**. 2. Tap **Accounts**. 3. Tap **Edit** on the account you want to remove.

4. Scroll to the bottom and tap **Remove from Xaman** (red button).

5. A warning appears: > **Warning** Your account will be deleted permanently from Xaman. Are you sure? 6. **Full-access accounts** (imported with a secret or a Tangem card): you'll be asked to enter your 6-digit passcode. Biometrics are not offered at this step. **Read-only accounts:** no passcode is needed. 7. Tap **Yes, I'm sure**. The account is removed and you are returned to the Accounts list. *** ### How to get the account back Open Xaman, tap **Settings** → **Accounts** → **+ Add account** → **Import an existing account** → **Full access**, then choose your account secret (Secret Numbers, Family Seed, or Mnemonic) and follow the instructions on the screen. You'll be logged back into the **same** r-address with the same balance and history. It's not a new account — it's the same one. For Xaman card accounts, open Xaman, tap **Settings** → **Accounts** → **+ Add account** → **Add a Tangem card,** then scan your card. (See [Importing your account](https://help.xaman.app/app/getting-started-with-xaman/importing-your-account)). *** ### Removing an account vs. uninstalling the app | | Remove an account | Uninstall the app | | ---------------------- | ----------------------------------- | ------------------------------------ | | Scope | One XRPL account managed with Xaman | All XRPL accounts managed with Xaman | | Funds on the ledger | Unaffected | Unaffected | | Address Book | Unaffected | Wiped | | Support tickets in-app | Unaffected | No longer accessible | | Re-import needed | Only the removed account | Every account | | Passcode | Unchanged | Reset on reinstall | *** ### Frequently Asked Questions **Will I lose my funds?** \ No. Removing an account from Xaman is a local operation. Your XRP and tokens stay in your account on the XRP Ledger. The account, balance, and history are all still there, you just can't see them from Xaman until you re-import your account secret. **Can I undo the removal?**\ No. There's no "undo" option or trash bin. You can re-import your account secret if you would like to access your account again. **Do I need my passcode to remove an account?**\ If your account was imported with full-access, (imported with an account secret or a Xaman card), then yes, you need to know your passcode. If your account was imported in read-only mode, then no, you do not need to know your passcode. **What happens to my transaction history?**\ Transaction history lives on the XRP Ledger, not in the app. It's not deleted from the XRPL when you remove your account from Xaman. If you re-import the account secret for your account, the full history will be visible again. **Does removing a Xaman card account affect the card?**\ No. Neither the card itself nor the account is affected. You can re-import it into Xaman at any time. **I removed an account and now I can't find its address. Is it gone?**\ The address is gone from your Xaman app, but the account still exists on the XRP Ledger. If you have the account secret for the account, you can re-import it into Xaman and you will see it again. # How to create a USDC Trust Line How to create a USDC Trust Line The USDC token is a stable coin issued on the XRP Ledger by Circle. To create a Trust Line for Circle's Ripple's USDC token, press the '**+ Add a token**' button on the main screen of Xaman:

then choose '**USDC**'

Tap the '**Setup TrustLine**' button.

Slide the '**Slide to accept' button**' and sign the transaction.

Press the '**X**' to exit.

You should now see the USDC token (Trust Line) on the main screen of Xaman:

# Got a new phone? Here is how to setup Xaman on your new device. ### Three things to get you started... Congratulations! Getting a new phone can be exciting, but before you get started migrating everything over from your old phone, here are a couple of suggestions to make the process a little smoother... * Do not get rid of your old phone until your new phone has been properly setup and is working as expected. * Ensure that you have the account secret (Secret numbers / Family seed / Mnemonic) for your XRP Ledger account. * If you are unsure how to proceed or need clarification on any of the steps in this article, contact us via the [Xaman Support xApp](https://xumm.app/detect/xapp:xumm.support). ### Configuring Xaman on your new phone The first thing you need to know about getting Xaman (formerly Xumm) working on your new device is that **you can not restore or copy** Xaman from one device to another. Xaman needs to be **installed fresh** on your new phone otherwise you will see this when you launch the app:

If you are already at this error screen, **uninstall** Xaman then continue reading... To install Xaman on your new phone, you can download it from one of 2 places:


Xaman for iOS	Apple store big.png	https://apps.apple.com/us/app/xumm/id1492302343
Xaman for Google Play	Google store big.png	https://play.google.com/store/apps/details?id=com.xrpllabs.xumm

Just select one of the above links and press the **Install** button to begin the download. Although the installation of Xaman is quite straight-forward and user-friendly , you can always refer to our step by step instructions...


How to install Xaman			vault van gogh style.png	Installing Xaman

When you get to the end of the installation, you will be presented with this screen:

Simply press the **+ Add account** button then choose **Import an existing account**.

{% hint style="info" %} Note: If you have a Xaman card, you will want to press the "Add Tangem card" button and follow the instructions on the screen. {% endhint %} Next you can choose the appropriate account secret for your XRP Ledger account then enter it into Xaman to complete the process. If you need assistance on how to do this, select one of these three articles for instructions:


Secret Numbers	Secret numbers.png	How to import your Secret Numbers
Family Seed	Family Seed.png	How to import your Family Seed
Mnemonic	Mnemonic.png	How to import your Mnemonic

### Frequently asked questions ### Why did you ask me to keep my old phone? We have seen cases where people have forgotten their account secret or recorded their account secret incorrectly. Your old phone should still be able to access your XRP Ledger account(s) in case you run into any trouble configuring your new phone. Once you are able to access and sign transactions on your new device, you can uninstall Xaman from your old device or keep it around as a "backup" just in case something happens to your new phone. ### Why can't I restore Xaman from backup? If Xaman were to store sensitive data, (like your account secrets) in a Google / Apple iCloud backup, an attacker gaining access to your Google / Apple account(s) would be able to restore a backup of your device to their own device, resulting in the loss of your cryptocurrency funds. This is why it's really important to keep your account secret stored offline, in a secure place. ### What about my Xaman (Tangem) card accounts? If you have Xaman cards, you will need to re-import them into Xaman on your new phone. This article explains how to do this:


How to add a Xaman (Tangem) card			How to import your Xaman card	Image - X.png

### My account was created during the Casino Coin swap. How do I access it? If you have access to your old CasinoCoin wallet secret in the form of a code that starts with a lower case '**s'**, you can **import your CasinoCoin wallet secret** [**with this link (scan the QR with Xaman)**](https://xumm.app/detect/secret?type=alt-family-seed\&name=CasinoCoin\&alphabet=cpshnaf39wBUDNEGHJKLM4PQRST7VWXYZ2brdeCg65jkm8oFqi1tuvAxyz). If you do not have your CasinoCoin secret mentioned above, the CasinoCoin team has documented a process to access accounts created during the CSC swap. You can find the instructions here: [How to recover a CasinoCoin account](https://eminence.freshdesk.com/support/solutions/articles/80000965171-how-to-recover-a-swapped-casinocoin-xumm-account) If you run into any trouble with the recovery process, please contact the CasinoCoin support staff here: [CasinoCoin Support](https://eminence.freshdesk.com/support/tickets/new) ### I imported my account secret but it did not access my account. My account secret accessed an un-activated account. Do I need to activate it access my original account? No. In order to access an XRP Ledger account, you need to know the **correct** account secret for it. (Secret Numbers / Family Seed / Mnemonic). As long as you have the correct one, importing the account secret into Xaman **will always** result in the same r-address, with the balance and tokens in place. If you import an account secret into Xaman and you get a different r-address, there are three possibilities: * it was originally written down incorrectly when you created your account * it was entered into Xaman incorrectly * there is another account secret for your XRP Ledger account The account secret that you entered into Xaman belongs to the XRPL account that is being accessed. Please refer to this article for more information: {% content-ref url="/pages/yHYOD2T5rFuG7XJpiDhQ" %} [I've lost my account secret!](/app/learning-more-about-xaman/ive-lost-my-account-secret) {% endcontent-ref %} # Supported tokens Which tokens does Xaman support? Xaman (formerly known as Xumm) supports both the XRP Ledger and the Xahau blockchain. Any token issued on either network is supported by Xaman. ### **Why doesn’t Xaman support other blockchains?** The XRPL protocol is our passion and our specialty and while there are other blockchain technologies that might show promise or potential, we are committed to developing the XRPL ecosystem. Splitting our focus between various blockchains or becoming a “jack of all trades” wallet is just not in line with our desire to support the XRPL community. ### **Do you plan to support other blockchains?** No. Our focus is the XRP Ledger and the Xahau network. ### **… But I see BTC, ETH, SGB, FLR, etc. tokens on the XRPL. How does that make sense if you don't support those networks?** Those tokens are all issued currencies. They were created on the XRPL/Xahau network to represent specific assets. Anyone can create a token on the XRP Ledger. (Xaman actually contains an xApp called [***Token Creator***](https://xumm.app/detect/xapp:nixer.tokencreate) to walk you through the process of doing this.) The BTC/ETH/SGB/FLR tokens that were issued on the XRPL are not the same as the native BTC/ETH/SGB/FLR tokens on their respective blockchains. For example, you can not send BTC issued on the XRPL directly to the Bitcoin network because the Bitcoin network and the XRP Ledger are separate and incompatible networks. People/companies issue tokens on XRPL to enjoy all the benefits of the XRPL but who don't want the limitations or issues associated with other blockchains. If your are interested in learning more about this, check out this article: * [How do Gatehub’s issued tokens work](https://support.xumm.app/hc/en-us/articles/4619198806802) ### **So can I send ETH coins directly to the XRPL?** No. ETH is the native token on the Ethereum blockchain. The Ethereum blockchain and the XRPL are separate and incompatible networks. ### **What about XLM?** No. XLM is the native token on the Stellar blockchain. The Stellar blockchain and the XRPL are separate and incompatible networks. ### Can I send XRP using my Lobstr wallet to my XRPL account managed by Xaman? No. Tokens on the Stellar network can not be directly sent to an XRP Ledger account. As well, Xaman does not support the Stellar network. It only supports the XRP Ledger and Xahau networks. ### **SGB?** No. SGB is the native token on the Songbird blockchain. The Songbird blockchain and the XRPL are separate and incompatible networks. ### **How about XDC?** No. XDC is the native token on the XinFin blockchain. The XinFin blockchain and the XRPL are separate and incompatible networks. ### **.and USDT?** No. USDT (aka Tether) has been issued on fourteen protocols and blockchains, but not on the XRP Ledger or Xahau yet. They might decide to issue on the XRPL/Xahau, but as of November 2024, there are no reports of this . ### **Where can I see a list of the tokens that you support?** There is not a definitive and updated list of tokens on the XRP Ledger, but you can do a search for most of them here: {% embed url="" %} XRPL Services Tokens page {% endembed %}

### **Which XRPL tokens are you affiliated with and which ones do you endorse?** *Xaman is **not** affiliated with any token on the XRPL or the Xahau network and we **do not** endorse any of them.* # Adding an Icon/Logo to a Trust Line in Xaman How to can a token issuer add a custom Logo/Icon to their Trust Line so it is displayed in Xaman ### **Background** Trust Lines are a fundamental part of the XRP Ledger in that they allow an account to hold non-XRP assets (tokens) issued on the XRPL. Each Trust Line has a unique r-address which helps to identify it but it can be confusing for new users and sometimes people mix up the various tokens and issuing accounts. Here at Xaman (formerly Xumm) we are constantly trying to make things safer and easier for our users so we are excited to introduce **Trust Line icons** for all token issuers on the XRPL. It is our hope that by adding icons to Trust Lines, it will help our people quickly and accurately identity which projects they are dealing with. ### **How do I get my icon/logo to show on the Trust Line list in Xaman?** When we talk about the Trust Line icons in Xaman, we are talking about the little logo beside the Trust Line name. Here are some examples:

You can find the setup instructions here: [**xrplmeta.org**](http://xrplmeta.org) If you need assistance with the instructions, xrplmeta.org can be reached here: {% hint style="info" %} It is important to know that Xaman fetches all token information (including icons/logos) from the [**xrplmeta.org**](http://xrplmeta.org) project. {% endhint %} ### **What exactly are the requirements to get an icon/logo added in Xaman?** [Xrplmeta.org](http://xrplmeta.org) is an external data feed that Xaman references for token attributes. Your project must also feature these traits as reflected by the data we retrieve from them. * At least *“trust level 1”* on [**xrplmeta.org**](http://xrplmeta.org) * Token name * Token issuers name * Token issuer domain name * Have a non-trivial number of incoming Trust Lines for your asset * Have a non-trivial amount of asset holders for your asset Once you have completed all of the above, your icon is *eligible* to be displayed in Xaman. ### **Is there anything else I need to know?** Yes, here are a couple of other things you should be aware of: 1. Adding a Trust Line icon **does not** mean that Xaman endorses the asset in question. Xaman will still show users the **appropriate warnings** when **adding Trust Lines.** 2. We do not endorse or support ANY token issued on the XRPL. Xaman is simply displaying your icon information that is publicly available by 3rd party data feeds. 3. Adding an icon to a Trust Line icon **DOES NOT** add the asset to the Xaman [short list](/app/learning-more-about-xaman/how-to-create-a-trust-line). 4. We only *publish* token icons from the XRPL Meta API. Xamam does not sync the information. ### **How often does Xaman refresh / update the icon information?** Once every 24 hours Xaman will fetch the feeds and update the information in the app based on meeting the above requirements. (We can’t speak for the feed refresh policies for the XRPL Foundation or [Xrplmeta.org](http://xrplmeta.org) though.) For new, valid assets, Xaman users may need to restart Xaman before they can see them. As well, issuer icons (add Trust Line, remove Trust Line, Sign Request, Event List) have a 24h cache policy *on a per device, client side* basis, so depending on the user it may show instantly or after 24h. # What do "Full" and "Read Only" mean in Xaman? How much control each access level gives you, and where your account secret lives. **The access level of an account decides what Xaman can do with it. This article explains the two levels, where your account secret is stored, and why an account that says Full may still not be able to sign.** #### The two access levels When you add an account to Xaman, you choose an access level. There are two: * **Full** : Xaman can sign transactions from this account. You can send from it. * **Read Only** : Xaman can view this account but cannot sign from it. You can receive into it, but you cannot send from it unless a regular key gives it a way to sign (see below). You see this label next to each account in the **Accounts** list. #### Where is your account secret? Where the account secret is stored depends on how you added the account. **Your account is on an Xaman card (Tangem)** The account secret is created and stored on the card. It never enters the app. When you sign, you tap the card to your phone and the card signs. This is why a card account is always shown as **Full** : it can sign, as long as you have the card. **You imported your account secret (secret numbers, family seed, mnemonic, or hex)** If you chose **Full**, Xaman stores your account secret in the app, encrypted. When you sign, Xaman uses that stored account secret to sign on your mobile device. You do not need anything else. If you chose **Read Only**, Xaman does not store an account secret for this account. It can show your balance and activity, but it cannot sign from it. #### Why might an account that says "Full" not be able to send? There is one important case. Every XRP Ledger account has a master key. You can switch the master key off. When you do, the account shows a **Master Disabled** state, and the master key can no longer sign for the account. When the master key is off, the account signs with its regular key (or its multisig list) instead. The XRP Ledger keeps at least one signing method on every account, so a **Master Disabled** account always has a regular key or a multisig list set. In Xaman, a **Full** account that is **Master Disabled** can only sign through its regular key, and only if that regular key account is also added to Xaman as **Full**. If the regular key is not added, or is added as **Read Only**, Xaman cannot sign for it, even though the account says Full. #### What is a regular key? A regular key is a second signing key you can set on an XRP Ledger account. * If your account is **Master Disabled**, a regular key is the only way it can still sign. * Xaman can use a regular key to sign for another account, but only if the regular key account is also added to Xaman as **Full**. * A **Read Only** account can also sign this way, if its regular key is added to Xaman as **Full**. Setting a regular key is a transaction on the XRP Ledger. If you are not sure how to set one, or you need help working out which account holds the regular key for your account, contact support via the [**Xaman Support xApp**](https://xaman.app/detect/xapp:xumm.support-md) and we will walk you through it. #### What to check if you cannot send from an account 1. Open the **Accounts** list and look at the access level. Is it **Full** or **Read Only**? 2. If it is **Read Only**, you cannot send from it unless a regular key is added to Xaman as **Full**. 3. If it is **Full** but you get a signing error, check whether the account is **Master Disabled**. 4. If it is **Master Disabled**, find the regular key for the account and add that account to Xaman as **Full**. 5. If you do not have the regular key, or you did not make the **Master Disabled** change yourself, contact support. Do not try to move funds from a device or app you do not trust. #### Frequently asked questions **Can I change an account from Read Only to Full?** You can upgrade an account if you have its account secret. If you do not have the account secret for that account, you cannot upgrade it to Full access. You can add the account again as Full by importing its account secret. **My Xaman card account says Full. Can I lose access to it?** You can lose the ability to sign from it if you lose the card and do not have a backup card. If the account is also **Master Disabled** and there is no regular key added to Xaman, then losing the card means the account can no longer sign. Keep a backup card and keep a regular key set if the account holds a large balance. #### See also * [I've lost my account secret!](/app/learning-more-about-xaman/ive-lost-my-account-secret) * [How to import your Xaman card](/app/getting-started-with-xaman/importing-your-account/...a-xumm-tangem-card)
# Cashing out your XRP How can I convert my XRP into fiat? This guide explains how to convert the XRP in your Xaman wallet into fiat currency (USD, EUR, GBP, and more) and get it back out as real money. Where it lands — your bank account, a card, or another method — depends on the partner or exchange you choose. There are **two ways** to do it:
* **Route 1 — Off-ramp inside Xaman:** use a partnered off-ramp xApp. It runs in the app and pays the proceeds out to a method the partner supports. Fewest steps. * **Route 2 — Convert on a crypto exchange:** move your XRP to an exchange, sell it for fiat, and withdraw. More control, a few more steps. Pick Route 1 if you want the fastest, most hands-off path. Pick Route 2 if you'd rather manage the sale on an exchange you already use. *** ### Route 1 — Off-ramp inside Xaman We have partnered with several off-ramp providers, and you reach all of them from one place — the [**Buy/Sell XRP**](https://xaman.app/detect/xapp:xumm.buysellxrp) xApp. The xApp is where you start. You pick your country or currency, choose a partner, and then you follow that partner's own off-ramp process. For most of our partners this means creating an account, completing identity verification (KYC), and going through a few more steps. Once it is done, the partner sends your money out to the method you chose. **How to sell using the Buy/Sell XRP xApp**
1. Open Xaman and launch the **Buy/Sell XRP** xApp.\ \ ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2FkaHcbuAqEFLMfUVzMFPG%2Fimage.png?alt=media\&token=2bf982c1-00cd-4b62-9115-40d6cd9d8052) 2. **Select your country or currency.** The xApp shows the partners available to you. 3. Under **Supported providers**, tap **Open XAPP** on the partner you want. Partners that aren't available in your country are listed under **Unsupported providers** and are greyed out.\ \ ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2F9QFIWTqeNsj4wFoAGang%2Fimage.png?alt=media\&token=20e6978d-f984-4aa0-998c-8ec31a0e86ce) 4. **Follow the partner's own process.** This usually means creating an account, completing identity verification (KYC, one-time and required to receive fiat), entering the amount of XRP to sell, and confirming. The exact steps differ by partner. 5. The partner pays the fiat out to the method you chose (a bank account, a card, or in some regions PayPal or Venmo). Depending on the partner and your region, this takes from a few minutes to a few business days. For the **United States**, the supported partners are **MoonPay**, **Topper (by Uphold)**, **Banxa**, and **Exolix**. Each runs its own sell flow. You enter the amount and verify your identity, and the partner pays you out. **How you get paid varies by partner.** Each partner decides how the fiat reaches you, and the options differ from one partner to the next — a bank account, a Visa or Mastercard, a debit card, and in some regions PayPal or Venmo. Not every partner supports every method: some pay to a card, some only to a bank account, and the exact choices also depend on your region. The partner shows you the payout options available to you during its flow, so you select the one you want there. Depending on the partner and the method you choose, the funds arrive anywhere from a few minutes to a few business days. The partners also differ from each other. Each one competes on its fees, its exchange rate, the regions it supports, and its customer service. The exact fee and rate are shown to you during the partner's own process. {% hint style="info" %} **Region availability** The partners you see depend on your country and each provider's local licensing — the xApp sorts them into **Supported** and **Unsupported** for you. If a partner is grayed out, or tells you it isn't available in your region, choose another supported partner, or continue to Route 2 below. {% endhint %} *** ### Route 2 — Convert on a crypto exchange If you'd rather sell on an exchange you already use, move your XRP there, sell it for fiat, and withdraw. You manage the account, the sale, and the withdrawal yourself. 1. **Pick an exchange and sign up.** Choose an exchange that supports XRP, create an account, and complete its identity verification (KYC). 2. **Deposit XRP.** In the exchange, choose to deposit XRP. It will give you an XRP Ledger **r-address** and a **destination tag**. Send your XRP from your Xaman account to that r-address, and enter the destination tag exactly as the exchange shows it. 3. **Sell XRP for fiat.** Once the deposit arrives, sell your XRP for the fiat currency you want (USD, EUR, GBP, etc.). 4. **Withdraw the fiat.** Transfer it from the exchange to your bank account or another method the exchange supports. {% hint style="info" %} **Important**\ \ Xaman does **not** support, endorse, or take responsibility for any exchange, and using one is entirely your choice. Each exchange has its own rules, fees, and withdrawal limits. **Research the exchange carefully** before you sign up or move funds. {% endhint %} *** ### What happens next? * **Route 1:** the fiat is paid out to the method you chose (a bank account, a card, or another method). You'll get a confirmation from the provider; delivery time depends on the provider and your region. * **Route 2:** you've moved the XRP to the exchange and withdrawn the fiat. Once the withdrawal clears, your XRP Ledger account no longer holds that XRP. * In both cases, any XRP you did **not** sell stays in your Xaman wallet. *** ### Frequently Asked Questions **Which route should I use?**\ Use **Route 1** if you want it done quickly inside Xaman with the least setup. Use **Route 2** if you already have an exchange account, want a specific fiat currency, or prefer to control the sale yourself. **How long does it take?**\ Route 1 is usually fastest — often a few minutes to a few business days, depending on the provider and your region. Route 2 usually takes longer because of the deposit, sale, and bank withdrawal steps. **Why is a partner greyed out, or unavailable in my country?**\ Partners operate only where they're licensed, and the **Buy/Sell XRP** xApp sorts them into **Supported** and **Unsupported** for your selected country. If a partner is greyed out, choose another supported partner in Route 1, or use Route 2 with an exchange that serves your region. **Which partner should I choose? Which one has the best rates?**\ We cannot tell you which is best. Each partner sets its own fees and its own exchange rates, and they differ from partner to partner. They also compete on more than price, such as the regions they support and their customer service. The partner shows you its exact fee and rate during its off-ramp process. If those do not work for you, you can stop at any time before you confirm, then choose a different supported partner. **What about other XRP Ledger tokens? How do I cash them out?**\ Some exchanges support tokens in addition to XRP. Check whether your exchange supports the specific token before you attempt to move it. If it doesn't, contact the exchange to ask whether they plan to add it. # Sending XRP to Moonpay How to send XRP to Moopay Note: This article assumes: * you have already installed the Moonpay app on your phone * you have created an account with Moonpay * you have gone through the Moonpay verification process. 1\) Launch the Moonpay phone application and sign into your Moonpay account.

2\) Press this button -> ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-1a97512de9101c982d5643ed0afe383143ffbc74%2Fimage.png?alt=media)

3\) Press the '**Wallets**' button.

4\) Press the **XRPL card**.

5\) Press the **three dots**.

6\) Press '**Copy address**'.

7\) Switch screens to Xaman. 8\) Sign into Xaman. 9\) Press the '**Send**' button.

10\) Enter the amount of XRP you would like to send then press the **Next** button.

11\) Tap and hold in the 'Enter a name of an address' field, press '**Paste**' then press the **Next** button.

12\) Review the Summary screen. Confirm the amount you are going to send and confirm the destination r-address is correct. 13\) Slide to send. # Cashing out with GateHub Converting your tokens into fiat ### Expanding our partnership with GateHub For years, GateHub has been a strong member of the XRP Ledger (XRPL) community and has worked with us (and many others) to help expand the ecosystem and make it a great place to do business. Recently we have added a feature to make off-ramping crypto a truly quick and easy process by integrating their platform directly through Xaman (formerly Xumm). This integration makes both on and off-ramping simple and efficient via the GateHub site. ### GateHub's issued stable coins GateHub is a payment gateway platform that allows you to buy, sell, trade and store digital currency. They have also issued over a dozen different tokens on the XRPL, including XAH, USDT, USDC, GALA, Flare, SGB, EUR, USD and GBP. All of their issued currencies will be honored by them as the actual asset they represent. The on/off-ramp feature requires the use of GateHub's issued coins. Check out this article for more information: {% embed url="" %} ### Getting started - Open an account with GateHub 1\) Open an account at GateHub and activate it with 10 XRP. {% embed url="" %} {% hint style="info" %} Part of the process of opening an account includes going through the KYC process. You must successfully complete this process via the GateHub registration in order for our service to work. {% endhint %} ### Sending fiat to your bank account 1\) Launch Xaman and tap the GateHub issued currency you would like to send to your bank account. (In this example, we are sending GH-EUR.)

2\) Tap the **Withdraw Euro** button.

3\) Enter your contact information and the appropriate information about your bank, then press the **Continue** button.

Note: The information you enter into this screen will be saved for future use. The Contact Name is the name you are going to give this information. Most people would call it, "Bank of America Account" or "Deutsche Bank Account" or "Whatever bank you are going to send your fiat to account". 4\) Enter the amount you would like to send to your bank. Press **Continue** when done. (In our example, we are sending 10 Euro.)

5\) Review your transaction to make sure it is correct. Press **Continue** when done.

6\) Review the transaction again and sign it with Xaman.

### Frequently Asked Questions #### How long does it take for me to get my money? It could take anywhere from 1 to 3 business days for your funds to arrive in your bank account. {% hint style="info" %} Ultimately this depends on how long GateHub takes to process the transaction, and how long your bank takes to process it on their end. {% endhint %} #### Is there anyway I can track the progress of the transfer? Unfortunately there is no way to do this. Xaman does not receive any information about the transfer after it has been initiated. #### Who do I contact if there are delays in getting my money? GateHub support can be reached [here](https://support.gatehub.net/hc/en-us/requests/new) if you have any questions about your transfer or: {% embed url="" %} # Adding Euro tokens via GateHub How to add Euro tokens via GateHub ### Expanding our partnership with GateHub For years, GateHub has been a strong member of the XRP Ledger (XRPL) community and has worked with us (and many others) to help expand the ecosystem and make it a great place to do business. Recently we have added a feature to make on-ramping Euros a truly quick and easy process by integrating their platform directly through Xaman (formerly Xumm). This integration makes on-ramping Euros simple and efficient via the GateHub site. ### GateHub's issued stable coins GateHub is a payment gateway platform that allows you to buy, sell, trade and store digital currency. They have also issued over a dozen different tokens on the XRPL, including XAH, USDT, USDC, GALA, Flare, SGB, EUR, USD and GBP. All of their issued currencies will be honored by them as the actual asset they represent. The Euro on-ramp feature involves purchasing EUR tokens using Euros (fiat). Check out this article for more information: {% embed url="" %} ### Getting started - Open an account with GateHub 1\) Open an account at GateHub and activate it with 10 XRP. {% embed url="" %} {% hint style="info" %} Part of the process of opening an account includes going through the KYC process. You must successfully complete this process via the GateHub registration in order for our service to work. {% endhint %} ### Sending fiat to your bank account 1\) Launch Xaman and tap the Euro Trust line.

If you do not have a Euro Trust line configured for the GateHub EUR token, you can create one by following the instructions in this article: {% content-ref url="/pages/Udx6x9jcV2DOMzt8yoCq" %} [How to create a Trust Line](/app/learning-more-about-xaman/how-to-create-a-trust-line) {% endcontent-ref %} 2\) Tap the **Add Euro** button.

3\) Press the **Connect GateHub Account** button.

4\) Sign into your GateHub account.

5\) After you sign into your GateHub account, press the **Open xApp in Xumm** button.

6\) You will see the following screen:

# Xaman & the Flare network Interested in the Flare airdrop, Fassets or holding the Spark token? ### **What is the Flare network?** The Flare Network is a new network which hopes to position themselves as a universal bridging blockchain. For more information and to keep up to date on Flare’s progress, check out their home page. [Flare News Page](https://flare.network/news/) ### **Is Xaman involved in Flare Networks?** No. Flare Networks Limited is a separate company from XRPL Labs (the creators of Xaman). Xaman does not support the Spark token, fassets, the Flare airdrop or the Flare network. ### **I claimed my Flare tokens using Xaman. You must be involved in some capacity.** In order to claim the Flare tokens, you would have had to modify your XRP Ledger account with a message key pointing to your Flare address. The Xaman team created a tool that simplified that process. That is the extent of our involvement in the Flare project. ### **Why did Xaman do that?** Xaman supports all transaction types on the XRP Ledger and is committed to supporting the XRPL community. We created the tool to assist the community with modifying their XRPL accounts. ### **Will my Flare tokens be delivered to my Xaman account?** No. They will be delivered to your Flare account.\ \ The Flare network is not compatible with the XRP Ledger, so there is no way to move Flare tokens directly back and forth between from them. For more information, please contact Flare Support. They can be reached at: [Contact Flare](https://flare.network/contact/) ### **Can I still claim my Flare tokens?** The Flare/Songbird claim period ended on June 11, 2021. On September 17, 2021, the SGB network was launched and the SGB tokens were distributed. For more information, please contact Flare Support. They can be reached at: [Contact Flare](https://flare.network/contact/) ### **Is Xaman compatible with the Flare network?** No. Xaman is exclusively an XRP Ledger protocol wallet. This means that we support the XRP Ledger and Xahau networks and all of the 8200+ tokens on the XRPL and Xahau. You can not access or interact with the Flare network with Xaman. ### **Does Xaman allow FTSO delegation?** No. Xaman is exclusively an XRP Ledger wallet. We support XRP and all of the 8200+ tokens on the XRPL. You can not access the Flare network with Xaman. ### **… But why can I create a Trust Line to “Flare Spark” then?** GateHub has issued both Songbird and Flare tokens on the XRP Ledger. You can create a Trust Line to either of these assets, but they were issued on the XRPL, not the Songbird or Flare networks. For more information about this, please refer to this article:\ \ [All about Gatehub's issued tokens](/app/learning-more-about-xaman/gatehubs-issued-tokens) ### **Can you recommend a Flare compatible wallet?** No. We don’t know enough about the SGB/Flare network or the various wallets to give an honest recommendation. You can contact Flare Support for their recommendation. They can be reached at: [Contact Flare](https://flare.network/contact/) ### **How do I tell if my XRP account is eligible and is registered?** Go here: {% embed url="" %} XRPScan {% endembed %} then enter your r-address then click on the **Search** button, then select the **Flare** tab.

You may find the your account is listed as, “**Not eligible**” or “**Not registered**”, in both cases, you need to contact Flare support for assistance in resolving this. Flare Networks Support can be reached at: [Contact Flare](https://flare.network/contact/) ### **Does Xaman provide technical support for Flare Networks?** No. We provide support for our own products and applications. For support on anything to do with Flare, please visit their website here: [Contact Flare](https://flare.network/contact/) ### **Can I send Flare tokens (Spark) to my XRPL account managed by Xaman?** No. FLR is the native token on the Flare blockchain. The Flare blockchain and the XRPL are separate and incompatible networks. You can not access the Flare network with Xaman. # Xaman & AMM All about Xaman and the AMM amendment On March 22, 2024, the AMM amendment was implemented on the XRP Ledger mainnet. On the same day, Xaman v2.8 was released to support it. This article answers some frequently asked questions about AMM. ### **What is AMM?** Put simply, Automated Market Makers (AMMs) work by pooling two tokens together to form a liquidity pool. Each AMM holds a pool of two assets which enables users to swap between them at an exchange rate set by a formula. For more information, here are a couple of good resources: {% embed url="" %} {% embed url="" %} ### What role does Xaman play in AMMs? Beginning with version 2.8, Xaman fully supports AMM transaction signing on the XRP Ledger. ### That sounds just like the way you support other XRPL amendments such as NFTs. Exactly. When the NFT amendment was implemented on the XRPL, Xaman (formerly Xumm) supported transaction signing for NFT transactions. Shortly after implementation, several NFT platforms appeared in the community providing NFT marketplaces, NFT minting, exchanges, sales, marketing, technical support, etc. These NFT platforms specialized in NFTs and many of them worked with us to create various xApps in Xaman. In the case of the AMM amendment, there are already several companies who have created AMM user interfaces. Those interfaces will allow you to interact with the various liquidity pools on the XRPL. while we continue to focus on our area of expertise.... namely keeping your account secrets safe and secure. ### Are there any AMM user interfaces that you recommend? AMM is still very new and while there are a few companies offering AMM user interfaces, we are going to wait and see how they manage their pools (and their users) before we offer any recommendations. In the meantime, here's a list of companies that offer AMM interfaces: * (link to xApp -> ) * * * ### Can I use another AMM interface? You are free to use whichever AMM interface you like, but please be vigilant when deciding. There are bound to be ***scam sites*** out there so make sure you do your research before choosing. ### How do I provide liquidity to an AMM pool? Once you have selected an AMM interface, you should work with them to learn how to use it. They will have instructions on how to participate in the various liquidity pools, what . Try reaching out to their customer service team for specific instructions on how to do that. ### How much passive income can I expect to receive by participating in an AMM pool? Liquidity pools are not a guaranteed path to consistent income and should not be viewed as a 'get rich quick" investment. AMM's are complicated and often volatile investment instruments that can sometimes lead to passive income but other times, can lead to a complete loss of invested assets. We strongly recommend that you seek financial advice before investing in an AMM liquidity pool. Any AMM provider that guarantees consistent passive income should be avoided. ### How do I report AMM earnings/losses on my taxes? Each country will have their own rules when calculating gains/losses related to funds invested in AMMs. It is up to you to contact a tax professional in your country to determine the necessary reporting requirements. ### Is there a step by step guide to getting started with AMM on the XRPL? No, not really. The first thing to do is to install the latest version of Xaman. Doing this will give you the ability to sign AMM transaction types on the XRPL. Next you should do some research and investigate some of the AMM user interfaces in the community. This list above is a good starting place. Once you have decided on one, they should have a "Getting started" guide explaining how to use their services. ### I created my own token. How do I get my token added to an AMM pool? You can find instructions on how create an AMM for a given asset pair: {% embed url="" %} # Xaman & Fractal ID Going through KYC with Fractal ID ### Who is Fractal ID? Fractal ID is an identity provider who offers KYC services to various blockchains. ### What do they offer? Fractal had a reward campaign with Ripple, in which Fractal ID users who met the following criteria would be rewarded with 11 XRP tokens: * Have an approved Plus level KYC in Fractal ID * Have an XRPL wallet (Our KYC process allows users to onboard directly with Xaman) ### Is the program still active? As of October 20, 2023, the program is no longer active. For more information about Fractal ID and their programs please contact directly at: {% embed url="" %} ### What is the relationship between Fractal ID and Xaman? Fractal ID's program required an XRP Ledger wallet in order to participate. Xaman is the premier wallet on the XRPL so many people chose to go through the KYC and direct the funds to their XRPL accounts managed by Xaman. There is currently no partnership or business relationship between Fractal ID and Xaman. ### What if I encountered problems with the Fractal ID process? Fractal ID have their own Customer Service team dedicated to providing support for their products and services. They can be reached here: {% embed url="" %} ### My 11 XRP never arrived in my XRPL account. Should I contact Fractal ID about this? Yes. Fractal ID have their own Customer Service team dedicated to providing support for their products and services. They can be reached here: {% embed url="" %} ### I contacted Fractal ID Customer Service and they told me to contact Xaman Support. Unfortunately we were not involved in the partnership between Ripple and Fractal ID and have no information about their KYC processes. If you were directed to contact Xaman Support, please try reaching out to Fractal ID Customer Service and request that they can contact us directly regarding the issue you are encountering. Fractal ID Customer Service can be reached here: {% embed url="" %} # How to set the currency How to set the currency in Xaman Xaman (formerly Xumm) supports hundreds of different currencies including the most popular ones such as USD, EUR, GBP, AUD and CDN, but also some of the more exotic currencies like LSL, MNT and SAR. Switching between currencies in Xaman is very easy. Just follow the steps below. ### Setting/Changing the currency 1\) Launch Xaman and tap the **Settings** button.

2\) Tap the **General** category.

3\) Select the **Currency** option.

4\) Choose which currency you would like to use.

# How to change your Email Address ## Background In the Xaman application itself, we **do not** gather or store any personal information about you or your XRP Ledger account. (This includes email). If you are interested, you can view our Privacy policy here: [XRPL Labs Privacy Statement](https://xrpl-labs.com/static/documents/XRPL-Labs-Privacy-Statement-V1.pdf) Having said this, there are a couple of places where email can be stored: ### Xaman (Tangem) card orders When you place an order for Xaman (Tangem) cards, you are asked for your email address during the order process. (We use it to send you your "Track-and-Trace" information from our shipping company.) Since we usually ship our orders on the same day, there is a very small window where we could actually change your email information. If you contact us in time, we can change it for your order. 🤞 As above, open a ticket using the [**Xaman Support xApp**](https://xumm.app/detect/xapp:xumm.support?ref=helpcenter) and ask to have your email address for your Xaman (Tangem) order updated. (Don't forget to include your new email address in the message.) Per our Privacy policy, your email address (along with any other information you provide us in your order) gets **automatically purged** from our systems shortly after your order is sent. ### **3rd Party xApps** As we continue to expand the XRPL ecosystem, you will notice we more partnerships with 3rd party companies such as Banxa, BTC Direct, Gatehub, etc. {% hint style="warning" %} Please note: We have absolutely **no control** over what information a 3rd party vendor gathers, stores and/or maintains. {% endhint %} These companies have their own privacy and disclosure policies and each one collects and maintains their own records. In order to change your email address with them, you are going to need to contact them directly. * [Banxa Support](https://support.banxa.com/en/support/tickets/new) * [BTC Support](https://support.btcdirect.eu/hc/en-gb/requests/new) * [Gatehub Support](https://support.gatehub.net/hc/en-us/requests/new) ### **Xaman Developer Portal** If you have signed up for our developer portal, you would have entered your email address. To get this changed, open a ticket using the [**Xaman Support xApp**](https://xumm.app/detect/xapp:xumm.support?ref=helpcenter) and ask to have your email address for your developer portal account updated. # KYC ### **What is KYC?** KYC is short for **Know Your Customer**. It is a requirement in the heavily regulated financial sector (such as banks, payment institutions, securities and also for virtual assets) to identify a client and then to verify the identity of the client. Many governments have already imposed KYC on the crypto industry and are requiring that crypto exchanges and other service providers enforce the KYC process for their clients. ## Frequently asked questions #### **Do I have to go through the KYC process to use Xaman?** No. It is entirely optional. Xaman is a self-custodial wallet and self custody wallets are not yet regulated. However, countries and their national supervisors are working together in the Financial Action Task Force on Money Laundering (FATF) to introduce more obligations around virtual assets and virtual asset service providers in order to identify bad actors/people that use crypto for illegal purposes. Therefore, in time, KYC is expected to become more common/required. #### **Why would I want to go through the KYC process if it's optional?** Many people feel that going through the KYC process is a way of adding legitimacy to their XRP Ledger account. At Xaman, we work together with professional partners to be able to properly identify and verify the identity of a person. In many countries, people prefer to know who they are dealing with when it comes to financial transactions. #### **Which documents can I use to go through the KYC process?** The KYC process requires that you have an official government issued document to help identify who you are. For most countries, this means: * A valid passport * A valid driver's license * A valid ID card * A valid residence permit For a current list of supported documents, please refer to this link: * [**List of supported documents and counties**](https://www.veriff.com/supported-countries) #### **Will Xaman disclose my identity if I go through the KYC process?** Xaman does not disclose personal information to third parties, unless it is necessary due to legal obligations. We work together with industry experts to fulfil our commitment in building and maintaining a safe XRP ecosystem. In our [privacy statement](/app/about-xaman-and-xrpl-labs/where-can-i-find-your-privacy-statement), you will find the personal data we process and the grounds for processing. #### **Can I go through the KYC process using a "read only" account in Xaman?** Since anyone can import an XRPL account into Xaman as "read only", there is no way for us to verify that you own the account unless your have full signing access to it. (This is also why you can not go through the KYC process on an account that has been blackholed.) The idea behind KYC is to verify your identity **and associate this verification with an XRP Ledger account that you own.** In order to do that, you need to have "full access" to your XRPL account. This means that you know the secret keys for your account and you have imported them into Xaman. # xApp Publishing Guidelines and Review Process for publishing an xApp in Xaman ### **What is an xApp?** An xApp within Xaman Wallet is a third-party application integrated directly into the Xaman ecosystem, allowing users to seamlessly interact with various tools and services on the XRP Ledger without leaving the Xaman wallet interface. xApps enhance functionality by providing features such as access to the DEX, access to many XRPL features, cryptocurrency swaps, NFT management, and more, all while maintaining the security and user-friendliness that Xaman Wallet is known for. ### **History** In January 2022, we opened the xApp development process up to the XRP community. Anyone who would like to create their own xApp is now able to do so, but the created xApps will be 'sandboxed' ie. they can only be accessed by the developer. This article is designed to assist you with this process and outline the steps required to get your completed xApp published in Xaman, so other users can open & use your xApp. In August 2023, we published a tool called xAppBuilder, lowering the barrier of entry to the xApp ecosystem: ### **Steps** 1. Review the guidelines to estimate your chance for success before coding or submitting your xApp for review. 2. Review initial questions that will be asked to determine if you can continue to finish the xApp before submitting the xApp for a final review. 3. Submit your code with a detailed explanation as to what your xApp does. 4. Our development team will; 1. review your code 2. test your xApp 3. if approved, the xApp will be made available through a direct, public URL available to all Xaman users. Please Note: This **does not** imply that your app will be listed in the Xumm "more xApps" section. ### **Requirements for an xApp** * xApps need to: * add value to a significant share of the Xaman user base * have clear instructions for end users * be designed in a way that protects users from dangerous mistakes * say what it does and do what it says * have publicly available source code * ***Keep it updated***
* xApp developers need to: * have gone through the KYC process * provide both customer and technical support for their xApp * have an easy and clear way to be contacted ### **XRPL Labs reserves the right to:** * revoke any xApp from the Xaman platform without prior notice if it is deemed necessary to protect our users Reasons for doing so may include (but not limited to): * potential harm for users * lack of customer support * lack of updates * promotes speculation (e.g. pushing users towards buying tokens is not allowed) * involvement in any criminal activity or behavior detrimental to the XRP community * Licensing issues/infringements ### I**nitial Review** Make sure you review each question and thoroughly understand the purpose of your xApp. 1. What use case will the app have? 2. Who are you targeting with your xApp? 3. Is it using your own or someone else’s issued currency? 1. If so, which one(s)? 4. Are you planning to make a profit from this xApp? 1. If so, in what way will this xApp support you or your company? 5. Is this xApp released on a personal title? 1. If so, please provide us with your personal details. 6. Is this xApp released on a company title? 1. If so, please provide us with details of the company. 7. Have you gone through the KYC process? 1. Did you go through the KYC process in Xaman Pro? 2. If so, please share your information including your XRP address and the XRP addresses related to the xApp. 8. Do you understand and agree that we can revoke the access to your xApp at any time, even if the xApp successfully makes it through the review process? 9. Can you provide a (working) title and description of your xApp? ### **Review Process** If you have made it this far and are ready to submit your xApp for review, please ensure you have considered the following: 1. Have you thoroughly tested the xApp for obvious bugs? 2. Is the UI easy to use and intuitive? 3. Is it self explanatory and with instructions, including expectation management? 4. Does is have in app support? ie. A direct link to your own designated support channel? 5. Does it respect dark/light mode and alternative styling in Xaman? 6. Are font types consistent? 7. If applicable, does scrolling work as expected? (Prevent page scrolling/zooming if applicable.) 8. Does this xApp use a backend? 1. How secure is the back end? 2. How will it be hosted and where? 9. Could this xApp result in dangerous transactions? 10. How long has this been tested and with how many users? 11. Is it clear to users that you are not in anyway affiliated with XRPL Labs or Xaman? 12. Have you made sure you are reachable via social media for support? 13. You are known, transparent and not anonymous. 14. Have you provided a public GitHub link to your xApp, your backend if applicable, an app icon, title and description? ### **Once the app passes the review process...** * Your xApp will get an assigned public URL that you can share with your users. * All future modifications/updates to your xApp will trigger the review process again. * All xApps get reviewed after each release of Xaman. # How to Get a Token Added to the Xaman Short List Getting added to the short list in Xaman **What is the Xaman short list?** The "short list" is the list of tokens that is presented when you press the ***+Add*** button on the main screen of Xaman.

This is what the short list looks like:

### **How do I get a token on the Xaman short list** We will **not be adding projects** to the Xaman short list until the XRPL Foundation releases their token vetting program. When the XRPLF's vetting program does become available, tokens wishing to be added to the short list in Xaman will be required to complete a two part process: 1. The issuer must complete the **Self Assessment** portion of the XRP Ledger Foundation's Token Assessment Framework. 2. The issuer must complete and pass a **validation**, **verification** and **compliance vetting** process via the XRPLF's third party auditor. Once both of these have been successfully completed, your token will automatically be brought to our attention as a candidate for inclusion into Xaman. ### **How to learn more about the XRP Ledger Foundation and their Token Assessment Framework** Details about the XRPL Foundation assessment process can be found here: * [XRPL Foundation Assessment Framework](https://foundation.xrpl.org/token-assessment-framework/) As well, you can stay up to date on events involving the XRPL Foundation on Twitter here: * [XRPL Foundation - Twitter](https://twitter.com/XRPLF) ### **More questions?** Make sure that you visit the XRPL Foundation assessment site and thoroughly review it first. It should able to answer most of your questions. If you can't find your answer there, the best way to contact the XRPLF is via email at: * **Additional reading** {% content-ref url="/pages/sPzOnR8CyocGO6wnnJqf" %} [Adding an Icon/Logo to a Trust Line in Xaman](/app/learning-more-about-xaman/adding-an-icon-logo-to-a-trust-line-in-xumm) {% endcontent-ref %} # Destination tags Destination tags - Video {% embed url="" %} 5 of 5 {% endembed %} Also available in this video series:

Video	Description
What is Xumm?	Explaining the Xumm app
Where are your funds stored?	XRP is on the XRPL, not in Xumm
Protecting your account secret	Tips on protecting your secret numbers
Reserves and Fees	Base reserve and XRPL Fees

# How to recover a Casinocoin (CSC) account Recovering an XRPL account created during the CasinoCoin swap ### If you have your s... Secret If you have access to your old CasinoCoin wallet secret in the form of a code that starts with a lower case **s**, you can **import your CasinoCoin wallet secret** [**with this link (scan the QR with Xumm)**](https://xumm.app/detect/secret?type=alt-family-seed\&name=CasinoCoin\&alphabet=cpshnaf39wBUDNEGHJKLM4PQRST7VWXYZ2brdeCg65jkm8oFqi1tuvAxyz). ### My account was created during the Casino Coin swap. How do I access it? The CasinoCoin team has documented a process to access accounts created during the CSC swap. You can find the instructions here: [How to recover a CasinoCoin account](https://eminence.freshdesk.com/support/solutions/articles/80000965171-how-to-recover-a-swapped-casinocoin-xumm-account) ### Frequently asked questions #### What if I run into trouble during the recovery process? If you run into any trouble with the recovery process, you can contact the CasinoCoin support staff here: [CasinoCoin Support](https://eminence.freshdesk.com/support/tickets/new) Or via email here: #### **Is there a video explaining how to convert my CasinoCoin mnemonic into a family seed?** CasinoCoin has not released an official video, but one of the XRPL community members created this video which many people find helpful: * [CSC Swap Account Recovery](https://www.youtube.com/watch?v=fVeOKCOsKpM) #### # GateHub’s issued tokens GateHub has issued several tokens. How do they work? ### **What is GateHub?** GateHub is a payment gateway platform that allows you to buy, sell, trade and store digital currency. For a complete list of their services, you can visit their site here => [GateHub](https://gatehub.net/) ### **What tokens has GateHub issued?** GateHub has currently issued 16 different tokens on the XRP Ledger (XRPL), including XAH, USDT, USDC, GALA, WXRP, Flare and SGB, along with stable coins such as EUR, USD, GBP and others. ### **Do these tokens have any value?** Yes. Here's a good example of how a token's value works. On October 29-2023, GateHub issued 500,000 XAH tokens (GH-XAH) on the XRP Ledger. At the same time, they moved 500,000 XAH coins into their reserves to back their issued tokens with XAH on the Xahau network. By doing this, each one of the GH-XAU tokens has a XAH coin on the Xahau network to back it up. It might help to think of the GH-XAH tokens as if they are 'IOUs' for the XAH coins which exist on the Xahau network. **GateHub** will exchange the GH-XAH tokens issued on the XRPL for XAH coins on the Xahau network. ### **Why would I want any of these tokens?** The tokens that GateHub has issued on the XRPL are directly linked to the actual asset. For example, if you hold a GateHub issued SGB token (GH-SGB) on the XRPL, you can exchange it 1:1 into “real” SGB on the GateHub platform. By owning GH-SGB the XRPL you can take advantage of all of the great features on the XRPL has to offer. (Low fees, fast settlement, secure platform, eco-friendly, etc.) The same applies to Flare, USDC, USDT, GALA and all the other tokens GateHub has issued. By owning the Gatehub token, you basically own the asset on the XRPL. Perhaps the best part, is that all of these tokens can be traded on the XRPL DEX so you can take advantage of the XRPL’s speed and super cheap fees. Imagine being able to make trades on the Ethereum network that can complete in under 5 seconds at the cost of under 1 penny per trade. With these issued tokens, you can do this on the XRPL, even though the native asset is on a different blockchain. You get all the advantages of the XRP Ledger with these tokens. Speed, reliability, the DEX, the low fees and of course, you can manage them all with Xaman! ### **What is a stable coin?** Stable coins are cryptocurrencies whose value is tied to that of another currency, commodity, or financial instrument. Let's look at the EUR stable coin. The EUR token that Gatehub issued is “pegged” to the Euro fiat currency. This means that 1 EUR stable coin will always hold a value near 1 EUR. The value is kept stable by the trust that Gatehub holds sufficient assets and that it is acting in a transparent way. You can read more about how this works here: {% embed url="" %} ### **How do I "cash out" a stable coin?** This feature has been integrated into Xaman (formerly Xumm). This article explains how it works: {% content-ref url="/pages/MzwRuPA2jlFkYWl9YNdx" %} [Cashing out with GateHub](/app/learning-more-about-xaman/cashing-out-with-gatehub) {% endcontent-ref %} ### **What about the SGB token?** In September 2021, Flare Networks launched a proprietary canary network called Songbird. They issued 15 Billion SGB tokens on the Songbird network. On October 11-2021, Gatehub issued 1,594,2003 SGB tokens on the XRP Ledger. While both tokens have the same symbol, SGB, they exist on different networks. You can not send a GH-SGB token directly to the Songbird network and you can not send a Songbird coin directly to the XRP Ledger. They are different assets issued on different blockchains. **Gatehub** will allow you to exchange your GH-SGB tokens issued on the XRPL for SGB issued on the Songbird network and vice versa. ### **How about the USDT and USDC tokens?** USD Tether and USD Coin are stable coins issued on the Ethereum network using the ERC-20 standard and are back by USD fiat currency. On February 12-2022, Gatehub issued 500,000 USDC tokens and 499,998 USDT tokens on the XRP Ledger. Just like the SGB token discussed above, both the USDC and USDT tokens issued on the Ethereum blockchain are **not** **compatible** with the XRPL. While they share the same symbols as their XRPL counterparts, they exist on different and incompatible networks. You can not send an XRPL token directly to the Ethereum network and you can not send an Ethereum token directly to the XRP Ledger. They are different tokens issued on different blockchains. **Gatehub** will allow you to exchange USDT and USDC tokens issued on the XRPL for USDC and USDT tokens issued on the Ethereum network and vice versa. ### **…and the Gala and WXRP tokens?** As you might have guessed by now, the same applies to GALA and WXRP. WXRP is wrapped XRP that can be used on the Ethereum network and the GALA token is the main cryptocurrency used in the Gala Games Ecosystem. Both were issued on the Ethereum network using the ERC-20 standard On February 12-2022, Gatehub issued 1,000,000 GALA tokens and 500,000 WXRP tokens on the XRP Ledger. Both the GALA and WXRP tokens issued on the Ethereum blockchain are **not compatible** with the XRPL. While they share the same symbols as their XRPL counterparts, they exist on different and incompatible networks. You can not send an XRPL token directly to the Ethereum network and you can not send an Ethereum token directly to the XRP Ledger. They are different tokens issued on different blockchains. **Gatehub** will allow you to exchange GALA and WXRP tokens issued on the XRPL for GALA and WXRP tokens issued on the Ethereum network and vice versa. ### **How do I bring my** **USDC, USDT, GALA, WXRP from Ethereum to the XRPL?** You need to visit [Gatehub](https://gatehub.net/) and create an account on their platform. Once you have done that, you can send your coins to your account with them and convert the coins to their XRPL equivalent. If you have any questions about this process, you can contact Gatehub support at: * [Gatehub Support](https://support.gatehub.net/hc/en-us) ### **How do I convert my Gatehub issued USDC, USDT, GALA or WXRP back to Ethereum based tokens?** If you have purchased any of the tokens issued by Gatehub on the XRP Ledger and you are interested in “cashing out” or converting them to their counter part on another network, you need to visit Gatehub and create an account on their platform. Once you have done that, you can send your tokens from Xaman (formerly Xumm) to your account with them and Gatehub will convert them for you. For more information about this process, you can contact Gatehub support at: * [Gatehub Support](https://support.gatehub.net/hc/en-us) ### **What about other exchanges (Uphold, Coinbase, Binance, etc.) Will they accept any of Gatehub's 16 issued tokens?** There are three questions that need to be answered: 1. Does your exchange support the XRP Ledger? 2. If the answer is yes, which tokens on the XRPL does your exchange support? 3. What criteria did your exchange use to determine which tokens to support? When it comes to any token issued on the XRP Ledger, it all comes down to trust. Any exchange can easily honor Gatehub’s issued tokens and Gatehub can easily honor any other tokens issued on the XRPL. It comes down to who Gatehub trusts and who trusts Gatehub. Unfortunately we do not keep track of which exchanges support which tokens. You can reach out to your exchange and ask them. # How to send SGB to BiFrost How to send SGB to BiFrost ### **Background** * In September 2021, **Flare Networks** launched a proprietary canary network called Songbird. They issued 15 Billion SGB tokens on the Songbird network. * On October 11-2021, **Gatehub** issued 1,594,2003 SGB tokens on the XRP Ledger. While both companies issued a token with the same symbol, **SGB**, they issued them on different and incompatible networks. (Songbird vs. the XRP Ledger)
### **Can I send SGB issued on the XRPL to the Songbird network?** Unfortunately this is not possible. You **can not** send a token that was issued on the XRP Ledger directly to another blockchain. In this case, you can not send SGB issued on the XRPL to the Songbird network. The Songbird network is not compatible with the XRP Ledger. ### **Can I send SGB issued on the XRPL to my Bifrost wallet?** No. You **can not** send a token that was issued on the XRP Ledger directly to another blockchain. While Bifrost may support various different blockchains, the Songbird network is not compatible with the XRP Ledger. ### **When I try to send my SGB tokens to my Bifrost wallet is saying "invalid address" Why?** The Songbird network does not use **r-addresses** like the XRP Ledger does. The Songbird network uses **Ethereum style** addresses which are not compatible with the XRPL. While Bifrost may support various different blockchains, the Songbird network is not compatible with the XRP Ledger. ### **Can I send SGB issued on Songbird network to my account on the XRP Ledger?** No. You **can not** send a token that was issued on the Songbird network to the XRP Ledger The Songbird network is not compatible with the XRP Ledger. ### **What can I do with my SGB issued on XRPL?** **Gatehub** will allow you to redeem SGB tokens issued on the XRPL for SGB issued on the Songbird network and vice versa. This article explains how to do this: * ### What if I run into problems with Gatehub? Gatehub has their own support department which should be able to answer any questions related to their issued tokens. You can contact them here: # Taxes and your XRPL/Xahau accounts Exporting your XRP Ledger or Xahau account for tax purposes ### **Introduction** Xaman is a [self-custodial wallet](/app/getting-started-with-xaman/what-is-xumm/understanding-self-custody) which allows you to interact with the XRP Ledger and the Xahau network. It is important to understand that depending on your jurisdiction, your XRPL activity may have tax implications and it is your responsibility to ensure compliance with local tax laws and reporting requirements. ### **How do I get a list of transactions on the XRPL so I can file my taxes?** Here are several ways you can export your XRP Ledger account transactions into .CSV format. 1\) This website allows you to export the transactions on your PC:\ \ [https://transaction-exporter.xrpl-labs.com](https://transaction-exporter.xrpl-labs.com/) \ 2\) So does this one: Enter your r-address, select the **Transactions** option, then **Export CSV**.

3\) and this one: (Enter your r-address then press Enter. Select Export.) 4\) and this one: (Enter your r-address then press Enter. Select Transactions. Select CSV.)
### **How do I get a list of transactions on Xahau so I can file my taxes?** All of the above sites also support the Xahau network. Simply switch from the XRP Ledger to the Xahau network and repeat the same steps you would go through on the XRPL. ### **What if my tax software does not support .CSV files?** Try reaching out to your **tax software** provider and explain the issue you are encountering. Some companies offer alternative import options or manual mapping. If they can not offer a solution, consider switching to a tax software that supports the XRP Ledger and the Xahau network. ### **Which tax software do you recommend?** Unfortunately, we do not recommend any specific tax software. There are too many companies and applications related to tax preparation for us to stay current with them all. ### **Last resort** Your transaction history is available to view on both the XRP Ledger and Xahau. You can always check your account via a blockchain explorer such as Bithomp or XRPscan and manually transcribe your transactions. ### **Do you send my tax information to my government?** No. We do not gather or store information about our users, nor do we keep track of XRP Ledger accounts. Even if a governmental agency were to contact us, we have no way of identifying which XRPL accounts you own. # How to reset the 6 digit passcode How to reset your 6 digit passcode/pin #### **Background** When you install Xaman, the first thing it asks you to do is to enter a 6 digit passcode/pin. This 6 digit code is one of the primary ways to access the Xaman application. (The other way is via Biometrics.) If, during the installation of Xaman, you did not select "Extra Security", the 6 digit passcode is also one of the ways to sign a transaction in the application. #### **My 6 digit passcode works fine, I just want to change it** To change your passcode, launch Xaman, press **Settings** then **Security** then **Change passcode**.

Enter in your current passcode, then enter in your new passcode. You have 1 million possible combinations to choose from. This is one of the primary security measures for protecting your funds, so do not choose 123456, 000000, 111111 or something similar. Your passcode should be difficult to guess. #### **My 6 digit passcode is not working** If the passcode does not work, the only way to reset it is to **uninstall Xaman and reinstall it.** {% hint style="info" %} We strongly recommend that you test your account secret before continuing.\ \ [**How to test your account secret**](/app/learning-more-about-xaman/how-to-test-your-account-secret) {% endhint %} **Before you uninstall, make sure you have your account secret(s) for all of your accounts.** You'll need each account's secret — its Secret Numbers, Family Seed, or Mnemonic — to access them again after the re-installation. 1. Uninstall Xaman, then install it again. (See: [**Installing Xaman**](/app/getting-started-with-xaman/installing-xumm)) 2. When Xaman asks you to set a passcode, enter your new 6 digit code. 3. Bring each account back: press **+ Add account**, then **Import an existing account**, and enter its **account secret**. (See: [**How to import your account**](/app/getting-started-with-xaman/importing-your-account)) Because the app data is wiped when you remove Xaman from your phone, a couple of things do not come back on their own: * **Your Address Book** is cleared. * **Xaman Support tickets** you created are no longer reachable from the app. What *does* come back: each account's r-address, balance and tokens are on the ledger and never leave it — re-importing with the same secret logs you back into the *same* account, not a new one. #### **Which route for which situation?** | Your situation | Route | | ----------------------------------------------- | ------------------------------------- | | You know your passcode and want a different one | Settings → Security → Change passcode | | Passcode not working or lost | Uninstall and reinstall | #### **Frequently asked questions** **Where can find the account secret in Xaman?** If you created your account using Xaman, you would have received a set of ‘secret numbers’. (8 rows of numbers, A to H, each with 6 digits.) The app does not have the ability to display or recover your secret numbers. They are only displayed once, when an account is created. After that, there is no way to see them again. You can read more about this here: [**Can I view/export my account secret?**](/app/learning-more-about-xaman/can-i-view-export-my-account-secret) \ **I've lost my account secret, what should I do?** Xaman does not have an account secret recovery mechanism — no cloud backup, no "email me my seed," no support reset. If you lose your account secret, your funds remain safe on the XRPL ledger but become **permanently inaccessible** without it. If your account secret is truly lost, you only have a couple of options. See this article for the full picture: [**I've lost my account secret!**](https://help.xaman.app/app/learning-more-about-xaman/ive-lost-my-account-secret)\ \ **How can my passcode work one minute, then completely stop working the next?**\ \ Xaman can be very sensitive to changes made to a phone, an operating system or to Xaman itself. Anything that might compromise the security of your XRP Ledger account is viewed as suspicious and may require that you prove account ownership. (Although this security feature may be a bit annoying, it helps ensure the safety of your account.) # Resetting the (account) signing password How to reset the signing password on your account {% hint style="danger" %} This article assumes that you have the account secret for your XRP Ledger account. You **must** know the account secret in order to proceed. You will not be able to access your XRPL account without it. {% endhint %} ### **Background** When Xumm is installed, you are presented with the option to select Standard security or Extra security.

The following table explains the differences. | Option | Explanation | | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-38ec7270ff8c74b1b3475cf3150dd7fac1d923ae%2Fimage.png?alt=media) | Standard security is a great option your daily spending account. You can sign with your 6 digit passcode or enable biometrics and sign with your face/finger print. | | ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-37f896ec0f68dbe9a25b43008519033032290668%2Fimage.png?alt=media) | Extra security allows you to enter a separate signing password. This is the best option for your long term storage account. | If you selected **Extra security** you would have created a separate signing password. If you have forgotten that signing password, if it is not working, or you would like to change it, here are the instructions on how to do this. ### Step 1 - Remove the account from Xumm 1. Launch Xumm and press **Settings** -> **Accounts** -> then press the **Edit** button beside the account to be removed. (Note: This does not delete your account from the XRP Ledger, it simply removes your account from Xumm. ) 2. Select **Remove from Xumm** then **Yes, I’m Sure**’ on the warning screen. {% hint style="warning" %} Note: This assumes that you have the passcode to remove the account. If you do not have the passcode (or your passcode does not work), you are going to need **uninstall** Xumm, then **reinstall** in Xumm then move on to Step 2 below. {% endhint %} ### Step 2 - Import your account secret back into Xumm 1. Your account secret will come in the the form of a set of secret numbers / Family seed /Mnemonic. This article will guide you through importing your account with which ever one you have:\ \ [**Importing your account into Xumm**](/app/getting-started-with-xaman/importing-your-account) # How to convert a Read only account to Full access Change a Read only account to Full access by entering the correct account secret for that account. In Xaman, you can import an XRP Ledger account in Full access mode or Read only mode. The mode tells you whether Xaman has a working path to get a signature for the account. * **Full access:** Xaman has a working path to get a signature. You can send XRP, sign requests, and receive XRP. * **Read only:** Xaman does not hold the account secret. You can view the balance and activity, and receive XRP. You cannot send or sign. If you have set up a regular key that Xaman can use, you can still sign. ### Before you start: you need the correct account secret When you convert an account, you must enter the correct account secret for that account. Xaman checks the account secret against the account. If they do not match, the conversion stops. This is the most common reason a conversion fails. Many people are sure they have the right account secret, but the secret they enter points to a different r-address. When that happens, the account secret belongs to another account, not the one you are converting. * If you enter an account secret and Xaman shows a different r-address, that secret is not for this account. The correct secret always produces the same r-address. * If you are not sure you have the correct account secret, read the section at the end of this article before you start. ### Steps to convert 1. Launch Xaman. Press the **Settings** button. Choose **Accounts**. Press the **Edit** button beside the account you want to convert.

2\) Tap the **Access level** option...

then choose **Full access**.

3\) Press **Yes, I'm sure**.

4\) Choose the account secret type for your account.

Xaman supports all industry-standard account secret types. When you created your account, you received one of them. Choose the type that matches your account, then follow that article to finish the import. * **Secret Numbers:** [How to import your Secret Numbers](https://help.xaman.app/app/getting-started-with-xaman/importing-your-account/...with-secret-numbers.md) * **Family Seed:** [How to import your Family Seed](https://help.xaman.app/app/getting-started-with-xaman/importing-your-account/...with-a-family-seed.md) * **Mnemonic:** [How to import your Mnemonic](https://help.xaman.app/app/getting-started-with-xaman/importing-your-account/...with-a-mnemonic.md) ### What if you do not have your account secret? An account secret is the private key to your account. It is the only way to get full control of the account. The XRP Ledger has no administrator function and no back door. No one can open the account without the correct account secret. Two facts matter here: * **Xaman cannot display or recover an account secret.** Xaman is built so that it never shows them. If you lose the account secret, Xaman cannot give it back to you. * **You cannot convert to Full access without it.** The conversion needs the correct account secret. If you do not have it, you cannot complete the conversion. If you do not have your account secret, read [I've lost my account secret!](https://help.xaman.app/app/learning-more-about-xaman/ive-lost-my-account-secret). That article covers all of your options. The short list: * **You still have signing access on a device:** create a new account in Xaman, activate it with 1 XRP, and move your assets over with the **Send** feature. * **Your account is on a Xaman card (Tangem):** the card is the key. Tap it to your phone and sign. There are no secret numbers to lose. * **You configured a regular key:** you can still sign with the regular key even without the original account secret. * **Someone else has a copy:** if you shared the account secret with a family member or a trusted person, you can use their copy. #### Be careful of "recovery" scammers If you post online that you lost your account secret, people will message you and claim they can recover it for a fee. **They cannot.** No tool, no service, and no person can derive your private key from your r-address. Anyone who claims otherwise is trying to scam you. Do not send them XRP, do not give them your address, and do not download any tool they send you. ### *Frequently asked questions* ***I am sure my account secret is correct. Why does Xaman show a different account?*** When you enter an account secret, Xaman opens the account that the secret belongs to. If Xaman shows a different r-address, the secret you entered belongs to a different account, not the one you want to convert. The correct account secret always produces the same r-address, with your balance and tokens in place. If you get a different r-address, consider the possibility that you have the wrong account secret, or that the one you have is for a different account. ***I went through KYC and I can prove I own the account. Does that help?*** No. The XRP Ledger has no central authority and no way to link your identity to your private keys. The KYC process does not give anyone access to your account. The only way to access an XRP Ledger account is with the correct account secret. ***Can Xaman give me my account secret back?*** No. Xaman cannot display or recover an account secret. See [Can I view/export my account secret?](https://help.xaman.app/app/learning-more-about-xaman/can-i-view-export-my-account-secret.md). ### See also * [I've lost my account secret!](https://help.xaman.app/app/learning-more-about-xaman/ive-lost-my-account-secret) * [Can I view/export my account secret?](https://help.xaman.app/app/learning-more-about-xaman/can-i-view-export-my-account-secret) # Deleting an XRPL account How to delete an XRP Ledger account from the XRPL. ### The instructions.. 1\) Go to [**XRPL Services**](https://xrpl.services) 2\) Sign in with Xaman using the account you would like to delete. 3\) Select the **Account delete** option.

4\) Enter the r-address where you would like your funds delivered to. 5\) Sign the transaction. ### Important things to consider * If you plan to send your remaining funds to a crypto exchange or to another wallet, please make sure that they support the [*accountdelete*](https://xrpl.org/accounts.html#deletion-of-accounts) transaction on the XRPL. An exchange such as [GateHub](https://gatehub.net/) supports it, but many **do not**. * The XRP Ledger has a 0.2 XRP fee to delete an account. (In addition to the regular transaction fee.) This means that after you delete your account you should receive about 0.79999 XRP from your 1 XRP base reserve. * A new account on the XRP Ledger **can not** be activated by the [*accountdelete*](https://xrpl.org/accounts.html#deletion-of-accounts) transaction. If you try to do this, it will be rejected and you will still be charged the 0.2 XRP fee. * Even after you delete your account, you should **not throw away your account secret**. Someone may send funds to your account in the future and you will need your account secret to access them. ### Frequently asked questions #### **I removed my account from Xaman. Why didn't I get the base reserve?** Removing an account from Xaman... (Settings -> Accounts -> Edit -> Remove from Xaman)

...is not the same as deleting an account from the XRP Ledger. When an account is removed from Xaman, the account secret (Secret numbers / Family seed / Mnemonic) is deleted from Xaman, but the XRPL account still exists on the XRP Ledger. To delete an XRPL account, you need to follow the instructions above. {% hint style="warning" %} If your XRPL account was removed from Xaman in error, it can be imported back into Xaman using the account secret (Secret numbers / Family Seed / Mnemonic) by following the instructions here:\ \ [**Importing your account into Xaman**](/app/getting-started-with-xaman/importing-your-account) {% endhint %} #### **I deleted my XRPL account and sent the funds to my exchange account** If you already deleted your account and sent the remaining funds to a crypto exchange or wallet that does not support the [accountdelete](https://xrpl.org/accounts.html#deletion-of-accounts) transaction, you will need to **contact your exchange/wallet** and explain what happened. They will need to locate your funds in their system and deliver them to your exchange account. Unfortunately there is **nothing Xaman Support can do** to help you recover your funds in this case. Only your exchange is capable of delivering your funds to your account. #### **I still have NFTs in my account. Can I still delete it?** You can not own **any objects** in your XRP Ledger account, including NFTs, if you plan to delete it. This means that you need to either sell your NFTs or delete them. For instructions on how to do this, contact the site where you acquired the NFTs from and they should be able to assist you. #### **I removed all the NFTs in my account but I still can not delete it. What should I do?** If you have ever minted an NFT and it still exists on the XRP Ledger, you will not be able to delete your account until the NFT(s) that you minted have been burned. (This is a requirement of the the NFT implementation on the XRP Ledger (See the [XLS-20 amendment](https://github.com/XRPLF/XRPL-Standards/discussions/46)), and as a XRPL requirement, cannot be by-passed) You will need to track down the NFT you minted and make arrangements for it to be deleted. Once you have done that you should be able to delete your XRPL account. # What is the Third Party Apps section? What is the Third Party Apps section? ## What is the Third Party Apps section? I opened Settings in Xaman and I see a row called "Third party apps." I want to understand what it does and what those apps can actually see. **The Third Party Apps section is your authorization list. It shows every xApp that has been granted permission to see your public address and send notifications through Xaman, and when that permission expires. You can revoke any app at any time.** #### What is an xApp? An xApp is a web application that runs inside Xaman. Both Xaman and independent developers build xApps. They can provide extra features like token management, NFT tools, or account utilities. The first time an xApp wants to display your public address, Xaman shows an authorization prompt. You can approve or deny. If you approve, the app appears in the Third Party Apps list. #### What permissions does an xApp get? When you authorize an xApp, you are granting exactly two permissions: * **See your public r-address.** Your address is already public on the XRPL. Authorizing an xApp does not expose it to anyone new. * **Send push notifications through Xaman.** The xApp can send you notifications, but only through Xaman's notification system. An xApp **cannot**: * Sign transactions on your behalf * Access your account secret or recovery phrase * Send code, files, or anything to your phone * Access your camera, microphone, location, or any other device sensor * Spy on you or monitor your activity inside Xaman, on your phone, or anywhere else Your keys never leave your device. An xApp is a web page running inside Xaman's WebView. It cannot install software, modify your device, or reach outside of Xaman. **What an xApp can do:** It can create a transaction and send you a push notification asking you to review and sign it. You will see the full transaction details before you sign. You can decline. Nothing is signed or sent without your explicit approval and vault authentication (passcode, biometrics, or Tangem). #### Why would I want to grant this access? Because knowing your r-address (a public value) makes the xApp useful to you without you having to paste your address every time. Two examples: * **An NFT marketplace xApp.** Once you grant access, the marketplace can look up your r-address on the public ledger, find the NFTs it holds, and display your collection in its interface. You can browse, list, or buy NFTs without re-entering your address on every screen. It can also send you a push notification when one of your NFTs is listed or when a marketplace event happens. * **An XRPL transaction tool (such as XRPL.Services).** Once you grant access, the tool can pre-fill your r-address into transaction forms. You build a trust line, an offer, or an NFT operation without retyping your address. It can send you a push notification when a transaction you created is ready for you to review and sign. In both cases, the xApp is reading public ledger data that anyone with your r-address can already see. The only difference is convenience: the app already has your address, so you do not have to type it in. #### Where to find it 1. Open Xaman and tap **Settings** (gear icon, bottom-right). 2. Tap **Third party apps** (between Security and Help Center). If you have not authorized any xApps yet, you will see: > **No authorized third party app!** > > Once you authorize access to a third party app you'll see them here. This is normal. The list stays empty until an xApp asks for permission and you approve it. #### What you see in the list Each authorized app shows its **icon** and **name**. Tap an app to see its details. #### App details When you tap an app in the list, you see four sections: **Details** The app's icon, name, and a short description of what it does. **Grants** Xaman shows a fixed set of capabilities. The check and cross icons are not configurable. They are set by the Xaman backend: | Capability | Status | | --------------------------------------- | ----------- | | See r-address | Allowed | | Send push notifications (through Xaman) | Allowed | | Access balances | Not allowed | | Sign on your behalf | Not allowed | In short: an authorized xApp can see your public address and send you notifications. It **cannot** see how much XRP or tokens you hold, and it **cannot** sign or send transactions. Your keys never leave your device. **Permission** Three dates for each authorization: | Field | Meaning | | ------------------- | --------------------------------------------- | | **Access granted** | The date you approved the permission. | | **Access expires** | The date the permission automatically lapses. | | **Access duration** | How many days the permission is valid. | When the expiration date passes, the app's access is automatically removed. It will no longer appear in your list. **Developer information** If the app's developer provided links, you will see them here: Website, Support, Privacy policy, and/or Terms & conditions. Tap any link to open it in your browser. Not all apps provide these. #### Revoking access You can remove an app's permission at any time. 1. In the Third Party Apps list, tap the app you want to revoke. 2. Scroll down and tap **Revoke access** (red button at the bottom). 3. A **Warning** dialog appears: "Are you sure you want to revoke access to {app name}?" 4. Tap **Yes, I'm sure** to confirm, or **Cancel** to go back. The app is immediately removed from your list. It can no longer see your address or send notifications. If you use that xApp again in the future, it will ask for permission again from the start. **What revoking does not do:** It does not delete data the app already collected. The app already received your r-address during your session and can store it in their own database. If the app's website asked you for a name, email address, or other personal information and you provided it, that data remains on their side. If you no longer trust the app, contact the developer directly to request deletion of your data. #### What you cannot do from this section This section is **list and revoke only**. You cannot: * Add or authorize a new xApp from here. Authorization happens when an xApp requests it through the Xaman app itself. * Enable or disable individual permissions (like "allow notifications" but not "allow address"). The permission set is fixed by Xaman. * Extend an expiration date. When it lapses, it lapses. Re-authorize if you still want access. #### When do apps get access? An xApp requests permission the first time you use a feature that needs it. For example, if you open an xApp that wants to display your address in its UI, Xaman shows an authorization prompt. You can approve or deny. If you approve, the app appears in the Third Party Apps list with the dates and capabilities described above. You will not see an app in this list unless you explicitly approved its request. #### What if I see an app I do not recognize? If you see an app in the list and you do not remember authorizing it: 1. Check the **Access granted** date. If it is recent, you may have approved it and forgotten. 2. Check the **Developer information** section for a website or support link. Verify it is a legitimate developer. 3. If you are unsure, **revoke the access**. It takes ten seconds. The worst case is that you re-authorize later if you actually use that app. If you believe the app was added without your knowledge, contact [**Xaman Support**](https://xaman.app/detect/xapp:xumm.support-md) from within the app and include a screenshot of the app details screen. #### FAQ **Does revoking an app delete my data?** No. Revoking removes the app's ability to see your r-address and send you push notifications through Xaman. It does not delete any transactions, tokens, or ledger data. The xApp website itself (the developer's own site) is not affected. **Can an xApp see my transaction history?** Your r-address is public on the XRPL. Anyone, including an xApp, can look up your transaction history on a public ledger explorer. The difference with an xApp is convenience: it already has your address, so it does not need you to type it in. #### Need help? Contact [**Xaman Support**](https://xaman.app/detect/xapp:xumm.support-md) from within the app. Include a screenshot of the Third Party Apps screen and the app details if you have a question about a specific app. # Official communication channels Official communication channels for Xaman {% hint style="danger" %} Important!\ \ We **no longer** provide customer support for Xaman (formerly Xumm) via **Twitter (X).** We **do not** have a Telegram account. We **do not** offer support via Telegram. Please **do not** fill out forms on social media. Do not reply to DM's from people claiming to be "Xaman Support" or "Xumm Support". The **only 100% trustworthy** way to reach us is via the Xaman Support xApp from within Xaman. {% endhint %} ### Xaman customer support For all customer support and technical questions related to the Xaman application, please contact us via the [**Xaman Support xApp**](https://xumm.app/detect/xapp:xumm.support?ref=helpcenter)**.** You can also find it in Xaman buy pressing

at the bottom of Xaman then selecting [**Xaman Support**](https://xumm.app/detect/xapp:xumm.support?ref=helpcenter)**.**

### Xaman blog * [**https://blog.xaman.app/**](https://blog.xumm.app/) ### Follow us on X (formerly Twitter) * * * ### Suggestions and Feedback * Please create a ticket in [**Xaman Support**](https://xumm.app/detect/xapp:xumm.support?ref=helpcenter)**.** ### Xaman Domain names #### **Primary** * [**https://xumm.app**](https://xumm.app/) and subdomains #### **Alternatively** * [**https://docs.xaman.dev/** ](https://docs.xumm.dev/)and subdomains (for Developers & Developer docs) ### **Xaman - Latest versions of the app** * [**Apple App Store**](https://apps.apple.com/us/app/xumm/id1492302343?l=nl\&ls=1) * [**Google Play Store**](https://play.google.com/store/apps/details?id=com.xrpllabs.xumm) ### XRPL Labs (creators of Xaman) * XRPL Labs [**website**](https://xaman.app/) * Source code at [**Github**](https://github.com/XRPL-Labs/) # NFTs All about NFTs ### **What is an NFT exactly?** Technically an NFT (non-fungible token) is an object on the XRP Ledger that can be uniquely identified, but in practice, an NFT can be used to **represent** almost anything imaginable. For example, an NFT can be a concert ticket, a picture, a song, proof of ownership, a license or a lease. In simple terms, an NFT is a unique identifier **on** the XRPL that points to an item **off** the XRPL. For more information, this link provides an excellent conceptual view of NFTs: * **XRPL Foundation:** [**An overview of NFTs on the XRP Ledger**](https://xrpl.org/non-fungible-tokens.html) ### **Viewing NFTs in Xumm** There are a couple of options for viewing NFTs in Xumm. 1\) From the main screen, press the **Tokens** button,

then select **NFT**,

You should see a list of all of your NFT's. 2\) If you would like to view one of the NFT's in a larger format or view more information about a particular NFT, select it, and it should display a screen similar to this:

{% hint style="info" %} While the XRP Ledger has an NFT standard (XLS-20), the **metadata** standards for NFTs are still being developed. This means that not all NFTs may be displayed in all NFT viewers since they may have been minted using different metadata information. {% endhint %} Until the XRPL community can agree on a set of metadata standards for NFTs, Xumm will rely on NFT minters to publish their own standards. You can try opening your NFT using one of the NFT viewer xApps in the list. In this case, we used Peerkat NFT viewer to view this one.

You'll notice that you have three additional options: | Option | Explanation | | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------- | | ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-ac9ff3d6f542996834f634aab3f5aaf6a6662367%2Fimage.png?alt=media) | Displays any offers you have made or received for this NFT | | ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-3d586390ba863f72b86564968a2c9e7ce810f995%2Fimage.png?alt=media) | Copies a link to your NFT. | | ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-4fcd824c475d1a723bc9bb538a5c64af6f1db27d%2Fimage.png?alt=media) | Open a blockchain explore where you can view additional details about your NFT including the history of your NFT. | ### Frequently Asked questions #### **Can I mint an NFT in Xumm?** No. Xumm does not have a way to **compose** an NFT minting transaction, but it will allow you to **sign** a minting transaction created by a third party. We feel that issuing an NFT should (and probably will) involve different steps and a different workflow based on **what the NFT will represent**, thus issuing NFTs is best left to people with the specific knowledge of their project. The good news is that there are already many 3rd party projects working in the NFT minting space, so we should see more new and exciting xApps arrive for all kinds of different NFTs! #### **Can I sell an NFT in Xumm?** No. In order to sell an NFT you will have to go through an NFT marketplace. Xumm will allow you to **sign** a sell transaction crafted by an NFT marketplace but it will not allow you to sell an NFT directly. Just like minting a transaction, the sell transaction will have to be composed by those projects in the NFT space. If those projects allow you to provide the required info, persist the info, craft an identifier pointing towards that info, then compose a transaction to sell the NFT, Xumm will allow you to review and sign that transaction. This link provides an great conceptual view of NFT transfers: * **XRPL Foundation:** [**Trading NFTs on the XRPL**](https://xrpl.org/non-fungible-token-transfers.html) #### **Can I transfer an NFT from another network to Xumm?** No. An NFT is an asset like any other from the perspective of the XRP Ledger Protocol (the rules all XRPL wallets must follow). Xumm only transacts in XRPL assets. An NFT created on another blockchain cannot be sent to the XRP Ledger. (Similarly, an NFT that was created on the XRPL can not be sent to another blockchain.) It is possible that an NFT minter or NFT market place will offer an exchange service allowing NFTs to be shared between various networks but that will be a feature that they offer and will not be related to Xumm. #### **I own an NFT that was created before XLS-20 was adopted. What should I do?** Prior to the adoption of the XLS-20 amendment, several projects created "NFTs" using various proprietary methods. Those companies decided to implement their own standards, so it is unclear if their 'NFT's' will be compatible with the new standard. Since we have no way of knowing how their 'NFTs' were created, which specifications they adhered to or if they cut any corners in their minting process, we recommend that you contact the people who minted your NFT and see if they have a plan to ensure compatibility with the XLS-20 standard. It will be up to the NFT minter to provide support for their products. **Do I need to configure a Trust Line for an NFTs?** No. Native NFTs on the XRPL do not require Trust Lines. Some of the older, proprietary "NFTs" used Trust Lines though. If you have an "NFT" that requires a Trust Line, reach out to the company that created the NFT and see if they offer assistance on how to proceed. #### **Is there a video which might help me understand NFTs a little better?** There is actually! Here is our founder, Wietse Wind talking a bit about NFT's. * [**How do NFTs work on the XRPL?**](https://www.youtube.com/watch?v=vpmXgguMP8Q) # How to Burn an NFT Burn (permanently delete) an NFT from the XRP Ledger The following process **permanently deletes** an NFT and **cannot be undone!** ### Who can burn an NFT * The current **owner** (holder) of the NFT * If the NFT was created with the `flagBurnable` flag enabled: * The **issuer**, or * The issuer's authorized [`NFTokenMinter`](https://xrpl.org/nftoken-authorized-minting.html) account ### Method 1: Bithomp (easiest) If you already use Bithomp or don't mind connecting your wallet to a third-party site, this is the quickest option. 1. Go to [Bithomp](https://bithomp.com/) and connect your Xaman wallet.

2. Find the NFT you want to burn in your collection. It will show the image, name, and Token ID.\
3. Tap the red **Burn** button. 4. Review ad sign the transaction in Xaman. \[Bithomp screenshot showing NFT card with Burn button] That's it. The NFT is gone. ### Method 2: NFT Burn xApp A community xApp that lets you burn an NFT directly inside Xaman. You'll need the NFTokenID (64 hex characters). {% hint style="info" %} This is a community xApp (made by XRPLWin). It is not operated by Xaman. {% endhint %} 1. Open the [NFT Burn xApp](https://xumm.app/detect/xapp:xrplwin.nftburn) in Xaman. 2. Paste the NFTokenID. 3. Tap Burn and confirm in Xaman. To find your NFTokenID, check the NFT details in Xaman or ask support. ### Method 3: Manual (XRPL.Services Raw JSON) If the above options don't work for you, you can submit the burn transaction manually using XRPL.Services.
1. Sign in to XRPL.Services with the account that owns the NFT. \[XRPL.Services sign-in screenshot] Navigate to *XRPL Tools > Raw JSON Transactions > NFTokenBurn Template*. Update the field values as follows: | Field | Description | | ----------- | ----------------------------------------------------------------------------------------- | | `Account` | *(Required)* The address of the account initiating the transaction. | | `Owner` | *(Optional)* The owner of the NFToken. Only needed if different from the sending account. | | `NFTokenID` | *(Required)* The 64-character NFTokenID to burn. | N.B. The "Sequence" and "Fee" fields are not present since Xaman handles those. `{ "TransactionType": "NFTokenBurn", "Account": "rNCFjv8Ek5oDrNiMJ3pw6eLLFtMjZLJnf2", "Owner": "rvYAfWj5gh67oV6fW32ZzP3Aw4Eubs59B", "NFTokenID": "000B013A95F14B0044F78A264E41713C64B5F89242540EE208C3098E00000D65" }` Remove the `Owner` line if the sender is the owner. Submit the transaction via the button under the code block. \[Submit button screenshot] Update the Memo if necessary, then select **Confirm**. \[Confirm screenshot] A QR Code screen appears. In Xaman, respond to the notification or scan the QR code. \[QR code screenshot] Slide to Accept. Sign the transaction. *** ### Error Cases Besides errors that can occur for all transactions, NFTokenBurn can result in: | Error Code | Description | | ------------------ | ---------------------------------------------------------------- | | `temDISABLED` | The NonFungibleTokensV1 amendment is not enabled on the network. | | `tecNO_ENTRY` | The specified TokenID was not found (already burned or invalid). | | `tecNO_PERMISSION` | The account does not have permission to burn this token. | Requirements: * Must be NFT Owner Or * if the `NFToken` has the `flagBurnable` flag enabled * can be the issuer * or the issuer's authorized [`NFTokenMinter` ](https://xrpl.org/nftoken-authorized-minting.html)account instead 1. Sign in to XRPL.Services with the account that owns the NFT ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-5dc10d5ce99263b054705cf59f259cac35b1ce29%2Fimage.png?alt=media) Navigate to *XRPL Tools > Raw JSON Transactions > NFTokenBurn Template* Update the field values to match the requirements of your transaction as follows:


Field	Description
`Account`	(Required) The unique address of the account initiating the transaction.
Owner	(Optional) The owner of the NFToken to burn. Only used if that owner is different than the account sending this transaction.
NFTokenID	(Required) The NFToken to be removed by this transaction.

N.B. The "Sequence" and "Fee" fields are not present since Xaman will take care of this! ```json { "TransactionType": "NFTokenBurn", "Account": "rNCFjv8Ek5oDrNiMJ3pw6eLLFtMjZLJnf2", "Owner": "rvYAfWj5gh67oV6fW32ZzP3Aw4Eubs59B", //Optional "NFTokenID": "000B013A95F14B0044F78A264E41713C64B5F89242540EE208C3098E00000D65" } ``` Submit the transaction to Xaman via the button under the code ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-c56a005b5cdf926c36eaa8daf634680e178d8ddb%2Fimage.png?alt=media) Update the Memo if necessary and select Confirm ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-841c37099f2c3629fa4a4131316f0581637e7697%2Fimage.png?alt=media) A QR Code screen appears ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-7beeea7547557255d94e20c04015473212c1bca0%2Fimage.png?alt=media) In Xaman, either respond to the notification or scan the QR code to bring up the transaction Slide to Accept Sign the transaction Success or: ### Error Cases Besides errors that can occur for all transactions, NFTokenBurn transactions can result in the following [transaction result codes](https://xrpl.org/transaction-results.html): | Error Code | Description | | ------------------ | --------------------------------------------------------------------------------------------------------------- | | `temDISABLED` | The [NonFungibleTokensV1 amendment](https://xrpl.org/known-amendments.html#nonfungibletokensv1) is not enabled. | | `tecNO_ENTRY` | The specified `TokenID` was not found. | | `tecNO_PERMISSION` | The account does not have permission to burn the token. | # Does Xaman offer Staking? How can I earn money with Xaman? ### **What is staking?** Generally, there are two types of staking in the blockchain space. 1\) Some crypto exchanges will allow you to lock up your tokens with them and pay you rewards for doing this. 2\) Proof of Stake networks (Ethereum 2.0, Cardano, Tezos, etc.) allow you to lock up your tokens for the opportunity to validate a new block on the network for which you would receive a reward. ### **How does staking work?** Staking varies depending on which exchange you are dealing with, but generally it is similar to how a bank might give you interest on funds you "invest" with them. In many cases, the bank will use your funds to make money for themselves, then pay you a small amount from their profits. With an exchange, you deposit your tokens into an account and they use your funds to earn tokens from the blockchain. They keep the majority of the tokens that they "earn" and give you "rewards" for letting them use your tokens. On a Proof of Stake (PoS) network it works a bit differently. Basically, a validator "locks up" a bunch of coins to prove that they are committed to the blockchain. The PoS consensus mechanism randomly selects from the pool of validators to see who will get the opportunity to produce and validate the next block on the blockchain. The larger the staked amount, the higher the chance of been chosen to create the new block on the network. The validator that is chosen to create a new block, receives a reward so there is an incentive to stake more coins. ### **Can I earn rewards by staking on the XRPL?** No. The XRP Ledger is not a Proof-of-Stake blockchain. The XRPL uses the XRPL Consensus Protocol to validate transactions and does not rely on staking like a PoS blockchain does. The XRPL validation process is not a competitive based system, it is a cooperative based system. ### **Can I earn rewards using Xaman?** Xaman does **not** offer a reward program but there are a couple of ways to earn crypto in the XRP Ledger /Xahau community. #### Automated Money Maker (AMM) The XRP Ledger does offer AMM pools which have the potential to generate returns on invested assets. This article explains how it works: {% content-ref url="/pages/OFAqlbGJyEpLQvWUxgpp" %} [Xaman & AMM](/app/learning-more-about-xaman/xaman-and-amm) {% endcontent-ref %} #### Balance Adjustments The Xahau network offers a balance adjustment feature which allows you to collect 4% of your XAH holdings over the period of a year. See this article for more information: {% content-ref url="/pages/Qs9uXwZucpdIlJNcreJs" %} [Balance Adjustment](/app/all-about-xapps/xahau-xapps/balance-adjustment) {% endcontent-ref %} ### How do other wallets/projects offer staking? There are projects that have created various "staking" schemes on the XRPL. Almost all of them offer rewards in the form of issued tokens. If you wish to participate in any of these schemes, please contact them directly for details on how they work and instructions on how you can enroll. {% hint style="warning" %} **Please** make sure that you fully understand how they plan to generate returns and only risk funds you are prepared to lose. Xaman does not endorse or support any staking programs. {% endhint %} # General Terms and definitions Some common terms and definitions related to the XRP Ledger and Xumm **XRPL** - Stands for the XRP Ledger. **Account Secret** - The Secret Numbers, Family Seed or Mnemonic for your account. **XRPL Labs** - The company that created and developed the Xumm application. **Secret Numbers** - The set of numbers that are displayed when an XRPL account is created using Xumm. **The DEX** XRP Ledger has a native decentralized exchange (DEX) that lets anyone buy or sell any asset that exists on the XRPL. Since anyone can issue assets on the XRPL, the DEX is an incredibly useful and powerful tool. It is basically a global market place where buying and selling takes place at any time. **The Spread** The spread is the difference between the bid and the ask prices of a token on the DEX. For example, if you place an order for 100 tokens for 100 XRP, but the current orders are for 100 tokens for 105 XRP, the spread is 5 XRP. You are bidding 100 XRP, people are asking for 105 XRP. The difference is 5 XRP. **Slippage** Slippage is a crypto trading term that describes the difference between what was expected and what actually occurred. Slippage is the amount of money lost or gained as a result of market fluctuations while executing an order. **Liquidity** Liquidity is the measure of how easily you can convert an asset into another asset. It refers to the ease and speed with which tokens can be bought or sold without significant impact on its value. When a token has good liquidity, there are lots of buyers and sellers. If a token is illiquid, there are not many buyers and sellers and it can be very difficult to execute trades without having a significant impact on the price. **Market Order** A market order is a transaction that tries to buy or sell tokens at the best available price on the DEX. If you are going to place a market order, you should review the charts and the order book depth before placing an order. Make sure that there is a market on both sides of the order book. This means lots of sellers and lots of buyers. If there is only a large number of sell orders, it means that you are trading in an illiquid asset. # I've lost my account secret! I cannot find my Secret numbers / Family seed / Mnemonic **Your account is not gone. Your assets are still on the XRP Ledger. But you need the right key to get back in, and this article walks you through every option you have.** #### What is an account secret? Have you ever heard the saying, \*"Not your keys, not your crypto"\* On the XRP Ledger, an account secret is the private key to your XRPL account. It is how you get full control of your XRPL account. An account secret comes in a few forms: * **Secret numbers** - If you created your XRP Ledger account using Xaman (formerly Xumm) on your phone, you would have received 8 rows (A-H) of 6 digits each. The first 5 digits in each row are data; the 6th is a checksum. If you mistype even one digit when entering them, Xaman immediately tells you which row is wrong. * **Family Seed** - A 29 character string of numbers and letters starting with the letter "s". A typical family seed looks something like this: sn3e4r5t6ygtfr5tgy6tr4edse3wq
* **Mnemonic** - A set of 12, 16 or 24 words chosen from the [BIP 39 list](https://github.com/bitcoin/bips/blob/master/bip-0039/english.txt). * **Xaman card (Tangem)** - If your account lives on a Tangem card, the key is generated and stored on the card's EAL6+ Secure Element chip. There are no secret numbers to write down. The card itself is the key. Xaman is fully compatible with all of these. The phone app uses 128-bit security, which is more than enough for a hot wallet used for daily transactions. The Tangem card uses 256-bit entropy generated by a hardware True Random Number Generator on the chip, for users who want cold, air-gapped storage. #### Why is an account secret important? The XRP Ledger is a decentralized network. It does not have any administrator functions. It does not have any 'back doors' which allow access to an account. There is no 'secret way' to access an XRPL account. The **only** way to get full control of an XRPL account is with the **correct** account secret. An account secret is important because it is the only thing that will allow you to get full control of an XRPL account. #### Can I view an account secret in Xaman? No. Xaman does not have the ability to display or recover an account secret. It was designed specifically to **not** display them, just in case your phone was ever stolen or compromised. You can read more about this here: [Can I view/export my account secret?](/app/learning-more-about-xaman/can-i-view-export-my-account-secret) #### I cannot find my account secret. What are my options? **Option 1 - You still have signing access on your device** Are you able to access your XRPL account on your mobile device **and** can you still sign transactions on your account? If so, you can create a new XRP Ledger account using Xaman, then move your assets over to the new account. Here's how to do this: 1. Press **Settings** then **Accounts**. 2. Choose **Add account** then **Create a new account**. 3. Once you have completed the steps (and written down your new secret numbers), you can activate it with 1 XRP, then start moving your assets over to your new account using the **Send** feature on the main page of Xaman. Note: You will need to create Trust Lines for any tokens you might have and arrange to move any NFTs with your NFT platform. By creating a new account, you will get a new set of secret numbers which you can use to access your account on your phone. **Option 2 - You have signing access on another device** Do you have an old phone or mobile device which still has signing access to your account? Does anyone else have signing access to your account (a family member, for example)? If so, you can run through the steps in Option 1 to create a new account from that device. **Option 3 - You have a Xaman card** If your account is on a Xaman card, the card **is** the key. There are no secret numbers to lose. Unlike hardware wallets such as Ledger or Trezor, a Xaman card has no screen, no buttons, no battery, no USB port, and no moving parts. The only interface is NFC. You just tap the card to your phone. No cable to lose, no battery to degrade, no screen to crack, no firmware to brick. If it can be tapped, it works. * **You still have the card:** Tap it to your phone and sign a transaction. Your "secret" is the card itself. Make sure you store it safely. * **You configured a backup card:** A properly configured backup card allows you to access your Primary card's account. See: [How to configure a backup card](/app/xaman-tangem-cards/how-to-configure-a-backup-signing-account) * **You have lost or damaged your primary card and did not configure a backup card:** This is a serious situation. Without the physical card, you cannot sign transactions from that account. Your assets remain on the XRP Ledger, but you cannot move them without the card. **Option 4 - You created your account using another wallet or platform** If you used another wallet to create your XRP Ledger account, it is possible that they might have a recovery option or utility to recover your account secret. You can try contacting them and see if they have any options for recovering your account secret. **Option 5 - Your account was created during the Casino Coin swap** If your account was created during the Casino Coin swap, there is a special set of instructions for recovering an account. Contact the Casino Coin team (now called Lucky Hash) via email:\ \ **Option 6 - Someone else knows your account secret** Have you shared your account secret with anyone (a family member, for example)? Was anyone else with you when you created your XRPL account? If so, do they have a copy of your account secret? If they do, you can use it to get back into your account. **Option 7 - You have configured a regular key** One of the features on the XRP Ledger is the ability to configure a "regular key" on an account.\ \ See: [How to configure a regular key](/app/learning-more-about-xaman/how-to-rekey-your-account) The XRP Ledger allows an account to authorize a secondary key pair, called a [regular key pair](https://xrpl.org/docs/concepts/accounts/cryptographic-keys/), to sign future transactions on an account. If you have previously configured a regular key on your account, you can still sign transactions using the regular key, even without the original account secret. #### Be careful of "recovery" scammers If you have posted online that you lost your account secret, you will receive messages from people claiming they can recover it for a fee. **They cannot.** No one can recover an account secret. No tool, no service, no person can derive your private key from your r-address. Anyone who claims otherwise is trying to scam you. Do not send them XRP, do not give them your address, and do not download any tool they send you. ### *Frequently asked questions* **I can prove that I own the account. I went through the KYC process. I can provide ID that I own it. Doesn't that make a difference?** The XRP Ledger is a decentralized network. There is no central authority for you to prove your identity to. The KYC process has nothing to do with the private keys to your XRP Ledger account. When you go through the KYC process it does not link your personal information to your private keys, nor does it grant you access to your XRPL account. The only way to access an XRP Ledger account is if you know the private keys (account secret) for it. **If I have a bank account or an account with a crypto exchange, they can access my funds. Why can't Xaman access my funds for me?** Banks and crypto exchanges offer 'custodial' accounts. For example, if you were to open an account with a crypto exchange, you would go through the KYC process and they would create a record in their **internal database** containing all of your personal information. They would then create an account on their internal systems and assign you a password to access it. If you ever lost your password for your account with them, they would go into their company database and simply change it for you. They can do that because they created your account. They control your account. They control your personal information. They have full custody of your funds and have complete control over them. Self-custody accounts on the XRP Ledger do not work that way. When you create an XRPL account, you do not have to go through KYC. You do not have to provide personal information about yourself. You are interacting directly with the XRP Ledger. There are no internal databases. No records of your personal information. No centralized authority. No middlemen. It is just you and the XRP Ledger. Xaman is an application which allows you to interact with the XRP Ledger by managing your account secret. It does not have access to your account. **I already have my account secret but when I enter it into Xaman, it gives me a different account!** If you import your account secret into Xaman and you get a **different r-address**, you actually imported another XRPL account that has not been activated and does not contain your balance and tokens. The only way to get full control of your account is by importing the **correct** account secret. Importing the correct account secret into Xaman will always result in the same r-address, with your balance and tokens in place. **...but I'm sure my account secret is correct...** Xaman is just an interface to the XRP Ledger. When you enter an account secret into Xaman, it provides you access to the XRPL account that the account secret belongs to. Xaman can only access the account that the account secret belongs to. Imagine a big apartment building with about 340 undecillion apartments in it. Each apartment has a lock on the door and there is only one key that opens that lock. When you create an XRP Ledger account, you basically get the one and only key to one of those apartments. There are many other keys that fit other apartments, but your key is the only one that fits your apartment. When you enter your account secret into Xaman, it searches through all 340 undecillion apartments and finds the only apartment which your key opens. Your key will not open any other apartments. It will only open one apartment. Xaman cannot open another apartment with your key. It can only open the apartment that the key belongs to. Consider the possibility that there is another account secret for your account, or that the one you have is for a different account entirely. #### See also * [Can I view/export my account secret?](/app/learning-more-about-xaman/can-i-view-export-my-account-secret) * [How to import your Xaman card](/app/getting-started-with-xaman/importing-your-account/...a-xumm-tangem-card) # Accessing your XRP Ledger account Explainer video 3 of 5 {% embed url="" %} 3 of 5 {% endembed %} Also available in this video series:

Video	Description
What is Xumm?	Explaining the Xumm app
Where are your funds stored?	XRP is on the XRPL, not in Xumm
Reserves and Fees	Base reserve and XRPL Fees
Destination Tags	About Destination Tags/XRP Tags

# How to take a screenshot How to take a screenshot in Xumm One of the many security features in Xumm is not being able to take screenshots. Here is how to temporarily disable this security feature. From the main page in Xumm, press **Settings** then **Security**.

Toggle the switch beside **Block taking screenshots**. Note: This setting will automatically re-enable when Xumm is restarted. ### How is this a security feature? All devices have various attack vectors and in the event that your phone was ever comprised, preventing screenshots from being taken in Xumm would prevent an app from sniffing your account secret, your r-address, your balance, etc. # Can I view/export my account secret? ### Overview On the XRP Ledger, a private key is called an **account secret**. An account secret comes in three main forms: #### *Secret Numbers* If your XRP Ledger account was created using Xumm, you would have received a set of secret numbers. (8 rows, A-H, each with 6 digits)

#### *Family Seed* A 29 character string of numbers and letters starting with the letter "s". A typical family seed looks something like this: sn3e4r5t6ygtfr5tgy6tr4edse3wq #### *Mnemonic* A set of 12, 16 or 24 words chosen from the [BIP 39 list](https://github.com/bitcoin/bips/blob/master/bip-0039/english.txt). Each account on the XRPL will have its own account secret and in order to access that account, you need to know the correct account secret. ### **Can I see my account secret in Xumm?** Xumm does **not** display account secrets. Once your account secret has been imported into Xumm, it is immediately encrypted and there is no way to access, view or export it. In the case of the secret numbers, they were only displayed once so if they are lost or destroyed, there is no way to access the account they belong to. If your XRPL account was created in an application other than Xumm, (e.g. - website, application, wallet), it is possible that there is a way to view or access the account secrets, but it would depend on if they have some kind of backup or recovery method. ## Frequently asked Questions #### **Can I see my account secret on my Xumm (Tangem) card?** When you first activate a Xumm (Tangem) card, an account secret is generated **on the card.** There is no opportunity to view the account secret and it is not displayed. It is encrypted on the card and can not be viewed. #### **Some wallets display their account secrets, why doesn't Xumm?** Once you enter your account secret into Xumm, it is encrypted so you can trust that no one, not you, not us, not anyone can view it. We choose not to display your account secret because there are several scenarios where displaying your account secret could be dangerous (think compromised phone, malware, viruses, malicious apps, spyware, etc.) Our main focus is protecting your assets and one of the ways we do this is by **not** displaying your account secret under any circumstances. #### **What if I created my XRPL account outside of Xumm?** Depending on how you created your XRPL account, it is possible that the website or application that you used might have kept a copy of your account secret or has the ability to recover it. You can try to contact them and see if they have a recovery option. #### **I created my XRPL account during the CasinoCoin swap...** Accounts that were created during the CasinoCoin swap used a slightly different method of generating an account secret. You can read all about this here:


How to Recover a CasinoCoin account			How to recover a Casinocoin (CSC) account	Castle.png

#### **I have lost my account secret, what can I do?** We have an article that explains your options. You can review it here: * [I lost my secret numbers! What can I do?](https://support.xumm.app/hc/en-us/articles/360018166319) # Moving your XRPL account to another wallet How to convert the Secret numbers into a Family seed Not all crypto wallets support the XRP Ledger or the secret numbers generated by Xumm. Before you proceed, please ensure that your wallet supports the XRP Ledger, along with the Family Seed standard. As long as it does, the following tool will convert your secret numbers into the Family Seed format: [Download a tool to convert Secret Numbers to Family Seed](https://secret-numbers-to-family-seed.xumm.dev/) #### Risks associated with importing account secrets Whenever you import an account secret (secret numbers/family seed/mnemonic) into a wallet, website or mobile device, there is a risk of exposing your account secret to third parties. We strongly recommend you consider reviewing this article so you better understand the risks associated with this process: [**Should I import my XRPL account in Xumm?**](/app/getting-started-with-xaman/importing-your-account/should-i-import-my-xrp-ledger-account-into-xaman) #### Additional information Secret Numbers are a [proposed standard](https://github.com/xrp-community/standards-drafts/issues/15), and the source code to generate, read & convert them is [open source & publicly available](https://github.com/WietseWind/xrpl-secret-numbers). # Deposit to Exchange Didn’t Arrive You sent XRP to your exchange account and it did not arrive {% hint style="info" %} TL;DR\ \ Contact your crypto exchange. They will be able to resolve this for you. {% endhint %} ### **General information** In order to send XRP into an exchange account, you need to know **two** pieces of information: 1. the correct exchange r-address to send the funds to 2. the destination tag for your exchange account Both of these are provided by **your crypto exchange**. For more information about destination tags, check out this video: {% content-ref url="/pages/dFOWBK3Ph8NJqXff0Lde" %} [Destination tags](/app/learning-more-about-xaman/destination-tags) {% endcontent-ref %} ### **Why a deposit might not arrive** The main reasons why funds do not arrive are: * There was **no destination tag** entered in the transaction * There was an **incorrect destination tag** entered in the transaction You can check this in Xumm under the **Events** section.

When you review the transaction, make sure the destination tag was entered **correctly**.

If both the destination r-address and destination tag are both correct and the funds still have not arrived in your exchange account, it is most likely related to one of the following situations: * your exchange has not processed that transaction on their side * possible technical issues or a processing backlog at the exchange * the exchange are withholding your funds. ### **What you can do to retrieve your funds** They only way to recover your funds is to contact your crypto exchange. They will have process for you to follow and should provide you with the step by step instructions. ### Frequently asked questions #### I contacted my exchange and they want me to send them a screenshot of the transaction Some exchanges require proof of a transaction which includes a screenshot showing: * the destination address * the destination amount * the date * the transaction ID/Hash If you are required to provide this information, here is how to get it in Xumm. 1\) Launch Xumm, press **Settings** -> **Security** -> **Block taking screenshots**

2\) Exit the Settings screen and press the **Events** button on the main screen of Xumm.

3\) The Event list is a live view of the transactions on the XRP Ledger. Search through the list and choose the transaction where you sent the funds to your crypto exchange. It might look something like this:

You can clearly see the date, destination address, Transaction ID, and destination tag in the above image. 4\) At this point you can take a screenshot of the transaction as it will contain all of the information your exchange requires. #### Can't Xumm just reverse the transaction for me? Once Xumm submits a transaction to the XRP Ledger for processing, there is nothing that can be done to change or reverse it. For more information about this, check out this article: * [**Can Xumm reverse, freeze or undo a transaction?**](/app/all-about-scams/can-xumm-reverse-freeze-or-undo-a-transaction) # How to create a Trust Line How to create a Trust Line on the XRP Ledger 1\) Launch Xaman. 2\) Tap the ***+ Add a token*** button.

3\) Chose one of the token categories.\ \ **Stable** - Stable coins **Popular** - Popular coins from within the community **Ecosystem** - A complete list of tokens in the community.

3\) You can manually search for a token here.

4\) When you find the token you wish to create a Trust line for, tap it.

5\) Tap the ***Setup TrustLine*** button then sign the transaction.

# Feeling Generous? Learn about our Charity program. Here at XRPL Labs, we spend a lot of time talking about the XRP community and our role in actively building and developing the XRP ecosystem. First and foremost, the XRP community is about relationships and building a trusted and safe place where people can come to share ideas, invest in the future of digital commerce and learn about all the great features of the XRP Ledger. Our flagship product, Xaman (formerlly Xumm), is a big part of our contribution to the community and we continue to work to make it safer, easier to use and more accessible to everyone.\ \ To that end, we provide free technical support and spend a considerable amount of time and effort in the community to educate and assist its members.\ \ **We often receive email and messages of appreciation for our product and for the outstanding service our support staff provides. Many people ask if there is a place where they can make a small donation for the service that we deliver. These requests encouraged us to sit down and try to figure out a method that would allow our members to express their gratitude and to help us to continue our building efforts. So, after many discussions, we decided it was time to roll out a new initiative.**\ \ As a team, we all agreed that the generosity of our users should be paid forward to make the world a better place. For those who would like to express their gratitude, we now accept gratuities. Here is how it works:\ \ All donations will be deposited into an XRP account and once a year, the funds will be divided equally between the following three charities: 1. **The Terry Fox Foundation**\ To maintain the vision and principles of Terry Fox while raising money for cancer research through the annual Terry Fox Run, Terry Fox School Run, as well as via memoriam donations and planned giving.\ \&#xNAN;*Learn more at:* [*https://terryfox.org*](https://terryfox.org/) 2. **Make a wish Foundation**\ Make-A-Wish creates life-changing wishes for children with critical illnesses.\ \&#xNAN;*Learn more at:* [*https://wish.org*](https://wish.org/) 3. **Ocean Conservancy**\ Ocean Conservancy is working with you to protect the ocean from today’s greatest global challenges. Together, we create science-based solutions for a healthy ocean and the wildlife and communities that depend on it.\ \&#xNAN;*Learn more at:* [*https://oceanconservancy.org*](https://oceanconservancy.org/) ## There are two ways that you can donate: 1. By manually sending XRP (or supported tokens) to this account address:\ **rxUMmcHjebM2cEXWrnvwHWn5NU9tZTxb8**
2. By opening this link or scanning this QR code to pay with XUMM\ [**Open the XUMM Payment Request page**](https://xumm.app/detect/request:rxUMmcHjebM2cEXWrnvwHWn5NU9tZTxb8)\ \ ![mceclip0.png](https://drtc9zr.dlvr.cloud/hc/article_attachments/4414871176082/mceclip0.png)
## Frequently Asked Questions **I know a great charity that would benefit from this initiative. How do I recommend a charity?** We periodically review the charities we support so if you would like to submit one for consideration, please feel free to create a ticket using the [**Xumm Support xApp**](https://xumm.app/detect/xapp:xumm.support?ref=helpcenter) and let us know. **Do I have to donate in order to keep using XUMM or to continue to receive free support?** No, this initiative is completely voluntary. You are under no obligation to participate. Xumm customer service will continue to be free of charge. **What type of funds can I donate?** Currently, you can only donate in **XRP**, Gatehub **USD**, Gatehub **EUR**, Bitstamp **USD** and CasinoCoin **CSC**. Liquidity is required (on the Decentralized Exchange) as we must be able to liquidate to USD/EUR if a selected charity doesn't accept crypto donations (in which case we will liquidate and donate in fiat). **Do you provide tax receipts?** No. As Xumm is not a charity itself, we do not provide receipts. We are simply accepting donations and forwarding them in bulk to selected charities. **What is the minimum/maximum amount that I must donate?** There is no minimum, even the smallest amount helps. Give whatever amount you like up to $250 USD (fiat equivalent at the time of the donation). Any amount over that will be sent back to you. While we absolutely love this kind of generosity, we feel amounts over $250 are best sent directly to the charity (instead of through XRPL Labs). **What percentage does XRPL Labs / XUMM take of my donation?** Zero. All funds donated will be distributed to one of the charities listed above. Note: if tax applies, XRPL Labs will have to comply with tax laws. # How to test your Account Secret How to test/verify your Account Secret Do you have multiple XRP Ledger accounts? What would happen if you mixed up your account secrets (Secret numbers / Mnemonics / Family Seeds) and didn't know which one belonged to which account? Xumm has a way for you to check! ### Getting started 1\) Launch Xumm and press the ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-5c0d8d14eecbe8210f8184eb15c1ad24fa2ef984%2Fimage.png?alt=media)button at the top right hand corner of the screen, then press

You should see this screen:

2\) Press the **Import an existing account** button. You will see:

3\) Press the **Next** button. You should see this screen:

4\) Choose the Account Secret type matching the account secret that you have. (Secret numbers / Family Seed / Mnemonic) then press the **Next** button. 5\) Enter your Account Secret then press the **Next** button.\ \ For example, secret numbers would look like this:\ \ ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-969b04173a6d5d0dce14c2ceb75b28c1b8af8ea4%2Fimage.png?alt=media)\ \ If your account is already imported into Xumm, you will receive the follow message:

If your account is not already imported into Xumm, you will receive a screen that displays the r-address that the account secret belongs to. # How to access Testnet on XRP Ledger \ How to access Testnet on XRP Ledger ----------------------------------- It’s always important to fully understand how you’re interacting with the XRP Ledger. With complex features on XRPL, we strongly recommend users try them out on the testnet first.\ In this article, we'll guide you through the process of setting up your account on Testnet. ### Why we recommend Using the testnet before the mainnet comes with several benefits. It lets you safely test applications without risking real assets since **tokens on the testnet don't have any real value.** You can also experiment with changing settings for your account without affecting your actual account on the mainnet. ### Instructions 1. Open Xaman, go to Settings > Advanced > (scroll down a little) then enable "Developer mode" then go back to the previous screen.

2. Tap **Home** button at the bottom of the screen, then press the network switch button at the top right.

3. Select XRPL Testnet under the Testnet category.

4. Go back to the home screen, then select **Activate your account**

5. On the next screen, press **Activate account** button.

6. Once your account is funded, select **Close xApp**

7. You should see your account on Testnet is funded with 1,000 XRP.\ Again, **these tokens have no real value.**

Now you're all set to try out all the features without affecting the real accounts on mainnet! Open any xApp you’d like to test, and you can explore and experiment as much as you want until you're comfortable. # All about Checks #### **What is a Check?** A Check is a deferred payment on the XRP Ledger. One person writes you a Check for a set amount. No money moves at this point. The money only moves when you **cash** the Check. Think of it like a paper check from a bank. The sender is promising to pay you up to a certain amount. You decide when to cash it. A Check is different from a normal payment. With a normal payment, the money leaves the sender immediately. With a Check, the sender keeps control of the funds until you cash the Check. #### **How a Check works** Here is the life of a Check, step by step: * **The sender creates the Check.** This names you as the recipient and sets the maximum amount they agree to pay. * **You receive the Check.** The Check now lives on the XRP Ledger, waiting for you. * **You cash the Check.** When you cash it, the XRP Ledger pulls the funds from the sender and sends them to you. * **The Check is removed.** Once you cash it, the Check disappears from the ledger. If the sender does not have enough money when you cash the Check, the cash fails. The Check stays on the ledger, and you can try again later. You can keep retrying until the Check expires. Some Checks have an expiration date. Some do not. A Check without an expiration date stays on the ledger until someone cancels it. #### **A Check can be for XRP or for a token** A Check can be written for XRP or for an issued token, such as a stablecoin. This matters because of trust lines. * **A Check for XRP.** Nothing to set up. Cash it and the XRP arrives. * **A Check for a token.** You must be able to hold that token. On the live XRP Ledger, cashing a token Check sets up the needed trust line for you automatically. In most cases you do not need to create the trust line yourself first. * **A token you issue yourself.** If the Check is for a token that your own account issues, you do not need a trust line at all. If a token Check fails to cash, see the section below on why a cash can fail. A common cause is that your account cannot yet hold the token. In that case, create a trust line to the token's issuer and try again. See [How to create a Trust Line](http://../all-about-scams/how-to-create-a-trust-line.md). #### **How to find a Check in Xaman** A Check that someone has sent you shows up in your **Events** list. 1. Tap the **Events** button on the home screen. 2. Tap the **Requests** tab. 3. Find the Check. From there you can cash it or cancel it. If you see a red dot next to the **Events** button, a Check (or another item) is waiting in **Requests** for your attention. #### **How to cash a Check** When you open the Check in the **Requests** tab, you cash it by confirming the amount. You have two options: * **Cash the exact amount.** You enter the exact amount you want, up to the Check maximum. * **Cash a flexible amount.** You enter a minimum amount. The XRP Ledger delivers as much as possible, up to the Check maximum, as long as it meets your minimum. When you sign, the XRP Ledger tries to move the funds from the sender to you. If the sender has enough, the funds arrive and the Check is gone. If the sender does not have enough, the cash fails and the Check stays. #### **Why a cash can fail** A failed cash does not hurt you. The Check remains, and you can retry. Here are the common reasons a cash fails: | What you may see | What it means | What to do | | ---------------------------------- | ----------------------------------------------------------------------------------------------- | ------------------------------------------------------ | | `tecPATH_PARTIAL` or `tecPATH_DRY` | There is no path to deliver the token to you. This usually means you cannot hold the token yet. | Create a trust line to the token's issuer, then retry. | | `tecEXPIRED` | The Check has expired. | It can no longer be cashed. Someone can cancel it. | | `tecNO_PERMISSION` | You are not the recipient named on the Check. | Only the named recipient can cash this Check. | | The sender is low on funds | The sender cannot pay the full amount right now. | Wait and retry, or cash a smaller flexible amount. | If the Check is for a token with no holders and no visible backing, it is often a scam token. No amount of trust line setup will make an empty token deliver real value. Read the safety note below before you act. #### **Cancelling a Check** A Check can be cancelled at any time. Cancelling removes the Check from the ledger without moving any money. * **Before it expires.** Only the sender or the recipient can cancel it. * **After it expires.** Any account can cancel it. You can cancel a Check you have received from the same **Requests** tab where you would cash it. Cancelling is useful if a Check was sent to you by mistake, or if it is a scam Check you do not want to keep around. #### **A word on safety** A Check is not money in your pocket until you cash it. Keep these points in mind: * **Do not send anything to the person who sent you a Check.** A Check is a promise to pay you, not a request to pay them. * **Watch for the advance fee pattern.** A stranger sends you a Check for an unusual or unknown token, then asks you to send XRP, pay a "fee," or release a payment so they can "claim" theirs. This is a common scam. Stop and check the token first. * **Check the token before you cash.** If the token has no holders, no issuer you recognize, or no backing, treat the Check with strong suspicion. * **When in doubt, ask.** Open a ticket with Xaman Support. We can look at the Check and the token on the ledger before you act. #### **Frequently Asked Questions** **Do I need a trust line to cash a Check?** For a Check written in XRP, no. For a Check written in a token, you must be able to hold that token. On the live network, cashing the Check usually sets up the trust line for you. If the cash fails, create a trust line to the token's issuer and try again. **I cashed a Check and it failed. Can I try again?** Yes. A failed cash does not remove the Check. You can retry until the Check expires. If it keeps failing, check whether the sender has funds and whether your account can hold the token. **Can I stop receiving Checks?** Yes. An account can block incoming Checks with the `DisallowIncomingCheck` setting. If you want to enable this, contact Xaman Support. We will walk you through it. **What happens to a Check if I do nothing?** If the Check has no expiration date, it stays on the ledger until the sender or you cancel it. If it has an expiration date, it expires and can no longer be cashed. Either way, it does not affect your other balances. # How to Rekey an XRP Ledger (XRPL) Account How to rekey an XRPL account ### Concept and Implementation The XRP Ledger allows an account to authorize a secondary key pair, called a [*regular key pair*](https://xrpl.org/cryptographic-keys.html), to sign transactions on behalf of another account. It is often used to protect an account by securing the master key and using the regular key in its place. This has multiple advantages; 1. The primary account is safer because the master key does not need to be generally available 2. The regular key account does not need to be activated so has no value in and of itself 3. The regular key can be removed or swapped out as needed ### Example A good example of how this works would be to look at the recommended configuration of a pair of [Xaman (Tangem) cards](/app/xaman-tangem-cards/xumm-tangem-cards). In this case, you have a Primary account on one card and you have a Signing account on another card. When you run the [Tangem Backup xApp](broken://pages/Ypotp0jrufYxwEF2ciFO), it creates a "link" between the two accounts which is called a regular key pair. It connects the Primary account to the Signing account which allows you to sign transactions on the Primary account **using the Signing account**. The following steps explain how to manually configure a regular key pair between two XRPL accounts. ### Step 1: Make sure you have a Primary account The Primary account must be imported into Xaman (formerly Xumm) with **Full access**. (You must be able to sign transactions on this account.) This is the account that will have your XRP, your Trust Lines, Escrows, DEX transactions, etc. If you are new to Xaman and don't have an XRP Ledger account yet, you can create one by following the instructions in this article:


How to Create an XRP Ledger account			Creating in forest.png	How to create an XRP Ledger account

### Step 2: Make sure you have a Signing account The Signing account must be imported into Xaman with **Full access**. (You must be able to sign transactions on this account.) This account does not need to contain XRP and does not even need to be activated. As long as you have full access to the account, it can be used to sign transactions on the Primary account. If you don't have signing account yet, you can create one by following the instructions in this article:


How to Create an XRP Ledger account			Creating in forest.png	How to create an XRP Ledger account

### Step 3: How to set a Regular Key Pair Once you have completed the following steps, you will be able to sign transactions on your Primary account using **both** your Primary account **and** your Signing account. 1\) Launch Xaman and switch accounts to your Signing account.

2\) Press the **Request** button then press the **Copy** button.

3\) Switch accounts to your **Primary** account and go to [**XRP Ledger Services**](https://xrpl.services/)**.** 4\) Press the ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-900b7f83d9c0bc94ebe42b632d68adf6f78de8c4%2Fimage.png?alt=media) button then press **Open in Xumm App** and sign in.

5\) On the XRP Ledger Services page, select **Set Regular Key**

6\) In the field below paste the r-address for the Signing account, then press the **Send Set Regular Key to Xumm** button.

7\) Sign the transaction in Xaman and you're all done! Now when you look at your Signing account, notice how Xaman now reports "Regular key for Primary Acct".

### Next steps.. If you configured the regular key so you would have a second signing account (E.g. as a "backup" account) you are all set to go. You should be able to sign transactions on your Primary Account with either your Signing account or your Primary account. ...but if you configured the regular key because your Primary account has been **compromised**, you are only half way there. The next step is to disable the master key for your Primary account. This article explains how to proceed:


How to disable the Master key			How to disable the Master key	Large rock with Lock -2.jpg

# How to disable the Master key Disabling the Master key on an XRPL account ### Why disable the Master key? There are two main reasons why you would want to disable the Master key for an XRPL account: * Your account has been compromised * You want to configure your account so that you can only sign and submit transactions using a regular keyed account. ### Before you get started You should confirm that you have the correct account secret for your account. [**How to test your Account Secret**](/app/learning-more-about-xaman/how-to-test-your-account-secret) Once you have done this, you should be aware of the following before you proceed: 1\) To disable the master key pair, **you must use the master key pair.** 2\) Your account must have at least one method of authorizing transactions other than the master key pair. e.g. - assign a regular key 3\) Once the Master key has been disabled, you will not be able to use it to re-enable your Master key. It can only be re-enabled using the assigned regular key account. ### Make sure you configure a Regular key account The XRP Ledger will not let you disable the Master key unless there is an alternate way to sign and submit transactions. This article explains how to do this by adding a regular key to your account.


How to rekey your account			How to Rekey an XRP Ledger (XRPL) Account	Large rock with Key.jpg

### Disabling your Master key {% hint style="danger" %} You will not be able to access your XRP Ledger account using your Master key after performing this procedure. Ony your regular key account will be able to sign and submit transactions to the XRPL. {% endhint %} 1\) Go to [XRPL.services](https://xrpl.services/) 2\) Press the ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-900b7f83d9c0bc94ebe42b632d68adf6f78de8c4%2Fimage.png?alt=media) button then press **Open in Xumm App** and sign in with the account the you would like to disable your Master key for.

5\) On the XRP Ledger Services page, select **Account Set.**

6\) Choose **Disable Master Key**, then press the **Send Account Settings to Xumm** button.

7\) Sign the transaction in Xaman (formerly Xumm) and you're all done! 8\) Your Master Key should now be disabled and you should now be able to send and submit transactions to the XRP Ledger exclusively using your Regular key account. # How to enable the Master Key How to enable the Master Key ### Before you get started In order to disable the master key for an XRP Ledger account, you must configure another way to sign on your account. The process to do this is called, 'setting a regular key'. You must set a regular key before you are able to disable the master key on an account. For example:

In this case, you can see that a separate account (ra433z72...) has been configured to sign for the main account. (rGVTc5FPz....) ### Disabling your Master key 1\) Go to [XRPL.services](https://xrpl.services/) 2\) Press the ![](https://3221812686-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FMiHAzvIPISVuuzt0AeOR%2Fuploads%2Fgit-blob-900b7f83d9c0bc94ebe42b632d68adf6f78de8c4%2Fimage.png?alt=media) button then press **Open in Xumm App** and sign in with the account the you would like to enable your Master key on.

5\) On the XRP Ledger Services page, select **Account Set.**

6\) Choose **Disable Master Key**, then press the **Send Account Settings to Xumm** button.

7\) Sign the transaction in Xaman and you're all done! 8\) Your Master Key should now be enabled. # Displaying XRP value How to quickly check the value of your XRP If you are just looking for a quick way to check the current value of your XRP, you are in luck! Simply tap the amount of XRP that you have on the main screen...

...and voila!

### **How does Xaman calculate the "value" of my XRP?** We actually created an "XRPL Price Oracle" to provide this information. Anyone in the XRP Ledger community can query our Oracle to get the current XRP value, which is a weighted average from multiple exchanges. ### **What if I want to know the value of all my tokens?** We have an xApp called [**Account Worth**](https://xumm.app/detect/xapp:xumm.accountworth) which displays that information. ### **How do I change the currency that is displayed?** You can set the currency in Xaman by pressing **Settings** -> **General** -> **Currency** ### **Why don't you have a live ticker so I can check the value in real time?** Xaman is not really a trading wallet. It is more of an application for transferring value and for helping you interact with the XRP Ledger. There are many exchanges and applications which focus on trading, but not too many that specialize in the XRPL like we do. # All about the Address Book How to create a contact, and how the Address Book works ### **Background** One of the nice features of Xaman is the ability to create and store a list of contacts in an Address Book. This article discusses how to create contacts and use them in Xaman. ### **How to find the Address Book** The Address Book can be found by clicking on **Settings** -> **Address Book**.

### **How to add a contact to the Address Book** To add a new contact to your Address book tap the "**+**" button.

You will see this screen:

In the "**Name:**" field, enter the name of your contact. In the "**Address:**" field enter the r-address of your contact. If applicable, in the "**Destination tag**" field enter the destination tag for your contact's account. When done, tap the "**Save**" button. {% hint style="success" %} Note: * Self-custody accounts on the XRP Ledger do not require Destination Tags unless they are specifically configured. * Custodial accounts (like the ones created by crypto exchanges) **do** require Destination tags. Make sure you enter the **correct** destination tag otherwise your funds may not been delivered to the expected custodial account. As keep in mind, some exchanges rotate Destination tags every so often so be sure to regularly check with your exchange to ensure you are using the correct one. {% endhint %} ### **How to use the contacts in your Address Book** During the send flow, after you enter the amount to send. you will see the "Recipient" screen. You should see a list of your contacts from your Address Book so you can choose one. (You may need to scroll down to see them.)

In this example, we selected the crypto exchange, Bitrue from the Address Book.

You will notice that the Destination Tag has been automatically inserted into the correct field. (As long as you add the correct Destination Tag in the contact, Xaman will populate the information in the send flow.) ### **Adding a contact from your Event list** Rather then manually entering a contact, you choose one from the Event list and have Xaman do it for you. Open the Event list and choose the transaction which contains the r-address of the person you want to create a contact for.

Press the three dots beside the r-address you would like to add.

Tap the, "+ Add to contacts" button.

You will be taken to the Contact create screen.

You will notice that the r-address has been populated for you. At this point you just need to add the Contact Name, then tap the **Save** button. ### Frequently Asked Questions #### I just purchased a new phone. Can I import my Address Book into it? No, unfortunately this is not an option yet. (We're working on adding this feature into a future release.) # Why adding / generating & confirming "Secret Numbers" is not user friendly Why adding / generating & confirming "Secret Numbers" is not user friendly #### Confirming your secret numbers is time consuming and hard. Why? When importing or generating your account, you may have to enter (or confirm) your Secret Numbers. This is a time consuming and annoying process. We agree. **WHY!?** We created the Secret Numbers to replace the existing secrets like mnemonic words and the family seed (s... code), because it's equally secure and a lot less prone to errors. The common formats for XRPL account secrets are: * Family Seed, eg. sh1HiK7SwjS1VxFdXi7qeMHRedrYX * Mnemonic, eg. car banana apple road ... These formats are prone to typos and are not that user friendly. Using numbers means it's language (spoken, written) agnostic as well. They may be especially intimidating for the public that's relatively new to cryptocurrencies / blockchain technology. ### A secret now looks like:

554872 394230 209376 323698
140250 387423 652803 258676

For compatibility with existing clients, this library supports exporting the family seed for a generated / entered "Secret Number"-set as well. ## Entering Secret Numbers When entering Secret Numbers, Xaman starts with a random digit, each time, forcing you to go to the right digit with a Plus and Minus key, then to go to the next field. We do this so: 1. A compromised keyboard cannot "sniff" the numbers you are entering 2. Someone looking over your shoulder can't follow it based on the position of your finger when tapping It's just way more secure. We think the one time annoying entering is a good trade-off for a lot more security. This leaves an open question. If Xaman is the only app that uses Secret Numbers how are accounts created in Xaman migrated to other apps? There is a tool to convert Xaman Secret Numbers into a standard XRP seed that is [explained here](https://support.xumm.app/hc/en-us/articles/360018136180). --- [Next Page](https://help.xaman.app/app/llms-full.txt/1)