To ensure long-term sustainability while maintaining an exceptional user experience, Xaman has transitioned to an industry-standard service fee model.

This update eliminates the previous threshold-based monetization and replaces it with a transparent, per-use fee structure. Fees are applied only to specific transactions that require extensive processing resources or involve trading activity.

Transactions That Remain Free

The vast majority of user activity remains unaffected. The following transactions are free for all users:

• Sending and receiving XRP

• Sending and receiving tokens

• Removing Trustlines

• Canceling offers

• Deleting accounts

• Minting & Listing NFTs

Trading and High-Load Transactions

To maintain optimal performance and security, Xaman now applies a small fee to transactions that require additional infrastructure resources:

Trading Transactions (0.7% service fee, minimum 0.09 XRP per transaction):

• Token swaps

• AMM deposits and withdrawals

• Trading on the DEX

Small Fixed Fees for Certain Transactions

The following bear a fixed 0.09 XRP fee per transaction with the exception of pathfinding.

• NFT trading

• AMM creation and voting

• Account settings modifications (AccountSet)

• Trustline modifications (TrustSet)

• Pathfinding payments (0.15 XRP fee due to additional computational complexity)

High-Value Transactions

To reinforce Xaman’s position as the leading self-custodial wallet in security and reliability, transactions exceeding $50,000 will incur a 0.1% service fee, while transactions over $100,000 will have a 0.07% service fee.

This measure ensures the security and continued development of infrastructure that safeguards large-scale transfers.

Xaman Pro and 5000+ XAH Holders

Xaman Pro users and holders of 5,000 or more XAH tokens continue to benefit from reduced fees:

• 25 feeless trading transactions per month OR $1,000 in total trading volume per month before fees apply

• Pro users who purchased before February 1, 2025, will enjoy a full year of completely fee-free trading

This adjustment ensures that high-activity users receive premium benefits while maintaining the best experience for the broader user base.

Why This Change Was Made

This update brings Xaman in line with industry standards used by wallets across the XRP Ledger, Ethereum, and Solana ecosystems. By moving to a per-use fee structure instead of a usage threshold model, Xaman ensures:

• A sustainable and independent financial model

• No arbitrary limitations or access restrictions

• Users pay based on actual usage rather than a pre-set threshold

These changes support Xaman’s mission to deliver best-in-class self-custodial security, ongoing innovation, and continued growth.

For more details, visit xaman.app/pro or refer to our full update at xaman.app/blog/3-3-1.

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. Xaman offers several ways to purchase XRP. Simply select this link 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. All fees charged by the XRP Ledger are destroyed so there is no way to generate "rewards" for users.

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 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 XRPL after the event?

4. Has anyone else been as diligent as you 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 Xumm (Tangem) cards?

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.

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.

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...

Source:

Fortunately, many people want their banks and governments to make these types of financial decisions for them so custodial accounts make a lot of sense for those who prefer to leave their funds in control of 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.

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).

If you've ever wondered where your funds are stored, then this video is for you!

Also available in this video series:

We have divided this site into various categories that you can browse at your convenience or 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. We are always happy to hear from the community on how we can improve!

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' button on the main screen of Xaman:

then choose 'RLUSD'

then tap, 'Sign to add token'

and 'Slide to accept'

You should now see the RLUSD in your Trust Line list.

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...

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 Xumm (Tangem) card on these phone, 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:

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.

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.

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 🎉

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. 🎉

1. Sign into your account on the Kraken website.

2. Select the “Funding” menu.

1. Select the “Withdraw” button.

1. Select the “Ripple XRP”.

1. Press the “Add Ripple address” button.

1. Create a name for your Xaman account in the “Address description” field. (We called ours "Xaman Savings Account.)

2. 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.

1. Press the “Add withdrawal address” button.

2. Press the “OK” button.

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

1. 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 🎉

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.

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.

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.

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.

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:

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.

Also available in this video series:

1) Launch the 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 🎉

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.

1. Open the Coinbase app, select the "Send" button.

1. 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

1. 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…

1. 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.

1. Tap the “Send now” button and wait for Coinbase to process your transaction.

1. 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.

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 🎉

• 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 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 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.

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!🥳

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:

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, Xumm is compatible with all industry standard account secrets. Choose the appropriate one which applies to your account.

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

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 .

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:

If you run into any trouble with the recovery process, please contact the CasinoCoin support staff here:

From the main screen of Xumm, press the 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:

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.

Next you should see the following screen:

The following table should help you decide which option is best for you.

Once you decide, select it and press Next then enter the account label and press Next to complete the import process.

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:

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.

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.

We strongly recommend you read this article before continuing:

Importing your XRP Ledger account created on your hardware device

1) On your phone, create a new Full-Access XRP Ledger account in Xaman.

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:

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.

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:

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:

and our on-ramp xApp at: .​

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 funds using Xaman.

Background

The first thing to know is that all tokens issued on the XRP Ledger use the same r-address to send and receive as XRP does.

For example, if you want send XRP to your account, you would send it to your r-address. In Xaman you can find your r-address here:

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, we have one Trust Line configured in our account:

• XAH (Xahau)

You can see it here:

The final thing, which might be the most important thing, is that you should never send tokens to the token issuing account. If you do that, you will destroy them. (More on this later.)

Putting it all together

Let's go through an example of how it works.

We want to receive a token in our account. In this case, we want to receive Euro tokens (EUR) issued by GateHub. The problem is that we do not have a Trust Line configured in our account for EUR so we can not receive them. We need to create one.

Here's how to do that:

After we follow the instructions in the above article, we now have two Trust Lines configured. Here is how Xaman looks after we create the EUR Trust Line.

Now, in our case, let’s say we had another XRPL account and we wanted to send tokens to it. For example, CasinoCoin (CSC), we would send the tokens the same r-address as we would if we were sending XRP. (In this case, rstargateUoNLmD683...)

…and we wanted to send a different token to our account, maybe, Sologenic (SOLO) or Coreum (CORE) or Elysium (ELS), we would still use the our same r-address. (Again, in this case, rstargateUoNLmD683...)

Keep in mind, in all of the above examples, the relevant Trust Line would need to be setup before the token will show as an asset in the destination account.

For more information how to create a Trust Line, check out this article:

Each Trust Line has its own r-address…

In order to receive and hold a particular XRP Ledger token, (there are over 8200 of them), you need to create a Trust Line to their project.

Let’s look at the CasinoCoin (CSC) project for example.

The CasinoCoin project issued the CSC token back in March of 2021 from this r-address:

rCSCManTZ8ME9EoLrSHHYKW8PPwWMgkwr

If you would like to hold CSC tokens in your account, you will need to create a Trust Line to their issuing account.

For more information about Trust Lines and how they work, check out this link:

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.

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:

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.)

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.

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:

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.

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:

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:

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.

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.

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:

The 'Send Flow'

This is how to send XRP from another device with Xaman installed on it, to your XRPL account managed by Xaman. (For instructions on how to send from various crypto exchanges, see the links below.)

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.

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.

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.

After you have confirmed the parameters (destination r-address, amount) are correct, simply Slide to send and your transaction will be sent to the XRP Ledger to process.

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.

In December 2022, we introduced our Xumm On/Off Ramp Service allowing our Pro users who lived in the Netherlands and the United Kingdom to move fiat currency to and from the XRP Ledger.

Xaman Pro (formerly Xumm Pro) users could quickly and efficiently send fiat currency (Euros) from their traditional bank account to their Xaman account for conversion into XRP.

Introducing this service was a bold initiative, primarily because of the high compliance demands which were both extensive and expensive.

All good things must come to an end...

Alas, our On/Off Ramp service was not meant be.

A number of factors forced us to discontinue it:

1) The regulatory landscape in the crypto industry has made it very difficult (and expensive) to offer fiat exchange services. Almost all countries have released new regulations related to crypto and while we welcome regulations, we have not been able to reach the scale required to offer our services in a cost efficient way.

2) The profit margins on our exchange rates were so low, it required a large quantity of transactions in order make our service viable in this competitive sector. The XRP Ledger community is just not big enough to support the type of service we were offering.

3) Our focus on the XRP ecosystem meant a smaller and more focused user base. Crypto exchanges often cater to dozens or even hundreds of different blockchains. Our commitment solely to the XRP Ledger severely limited the number of potential users. When considering the costs involved compared to the limited scale of our ecosystem, it just does not work.

Overall, the lack of growth in the ecosystem, combined with the regulatory landscape and increasing expenses, do not allow us to keep on offering our On/Off Ramp service.

Looking back but moving forward

We'd like to say that we are very proud of having launched and run our on/off ramp service. We are the smallest crypto company to ever have successfully gone through the on ramp service registration process with the Netherlands central bank. That is not a small accomplishment.

We would also like to thank all of our users who supported us through this venture. We did this to make the community

There is a silver lining to this unfortunate turn of events...

Frequently asked Questions

What happens if I try to sign up for XOORS now?

Effective immediately, anyone attempting to sign up with our Xaman On/Off Ramp Service (XOORS) will receive the following message:

You will not be able to enroll, but you will be directed to our on ramp partners.

I'm already signed up for XOORS. What happens if I send money to my XOORS account?

Any funds that are now sent to a XOORS account will be rejected by our banking institution and will be returned to the sending account. The return process can take up to 10 business days. If you have sent funds to your XOORS account, please contact your bank and have them either cancel the transaction or monitor the transaction for the return funds.

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 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.

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?

• 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

• 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.

• 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:

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.

If this is what you would like to do, here are the instructions:

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:

In Xaman it is possible to import an account in Full access mode or Read only mode.

In Full access mode, you can interact with your XRP Ledger. ie. if you would like to create a Trust Line or send XRP to another account.

In Read only mode you can follow the activity of an XRPL account but not sign transactions on the account.

If you have imported an account in Read only mode and would like to convert it into Full access mode, (so you can sign transactions), this article explains how to do this.

1) Launch Xaman then press the Settings button, choose Accounts then press the Edit button beside the account you would like 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.

Note: Xaman is compatible with all industry standard account secrets. When you created your XRP Ledger account you would have received one of them. You need to have the correct account secret for your account.

From here, get your account secret then choose the appropriate path and follow the instructions to complete the import process.

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.

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:

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:

Frequently Asked questions

Didn't Xaman offer an On/Off Ramp solution at one point?

Yes, but unfortunately it has been discontinued.

How do I reverse, freeze or undo a transaction on the XRP Ledger?

The XRP Ledger is a decentralized blockchain. Part of that means, that no single person, entity, group or company has control over it. Once data has been saved on the XRP Ledger, it can not be modified or altered by anyone. All transactions on the XRPL are final and permanent.

Why can't Xaman do something to reverse my transaction?

The XRP Ledger does not have any administrative functions built into it, so there is no way for Xaman or anyone else to modify or change a transaction.

Xaman is an application that allows you to interact with the XRP Ledger and helps you manage your XRP Ledger account. It does not have administrative privileges on the XRPL.

...but Xaman runs a validator. Why can't you just undo my transaction in the next block?

While Xaman is one of the many companies that runs a validator on the XRPL, that does not entitle us to any special privileges or network access.

Per the Xrpl.org website:

"Consensus is the most important property of any decentralized payment system. In traditional centralized payment systems, one authoritative administrator gets the final say in how and when payments occur.

Decentralized systems, by definition, don't have an administrator to do that. Instead, decentralized systems like the XRP Ledger define a set of rules all participants follow, so every participant can agree on the exact same series of events and their outcome at any point in time. We call this set of rules a "consensus protocol."

So what are my options?

It depends on the circumstances regarding your transaction.

• If you sent funds to a crypto exchange and they did not arrive. Contact your crypto exchange and explain the details of the transaction. Most exchanges have a process that you will need to go through to redirect your funds to the correct location.

• If you accidently sent your funds to the wrong r-address Contact the destination address and see if they will send the funds back. Do this by sending a small payment (.000001 XRP) to the account with a polite message in the memo field asking them to return the funds.

• If your account was compromised and your funds were stolen. Contact your local police. They should conduct an investigation into the matter.

• If you lost the account secret for your account or your account is in "Read only" mode. Try to locate your account secret (secret numbers, family seed, mnemonic) for your account. (The only way to access an account is if you have the account secret.) If you still have signing access to your account on your phone, (or perhaps on an old phone), you can create a new XRP Ledger account using Xumm (Settings -> Accounts -> + Add account -> Create a new account), then move your funds over to your new account using the Send feature on the main page. 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.

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 access your XRPL account.

An account secret comes in three main forms:

• Secret numbers - If you created your XRP Ledger account using Xaman (formerly Xumm), you would have received a set of secret numbers consisting of 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.

Xaman is fully compatible with all three account secret formats.

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 allows access to an account. There is no 'secret way' to access an XRPL account. They only way to get full access 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 access to 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:

I can't find my account secret. What are my options?

Option 1 - You still have existing access on your device

Are you able to access your XRPL account on your mobile device and you 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 10 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 existing 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? (Family member) If so, you can run through the steps in Option 1 to create a new account.

Option 3 - You created your XRP Ledger 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 accessing your account secret.

Option 4 - 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. Check out this article for more information:

Option 5 - Someone else knows your account secret.

Have you shared your account secret with anyone? (Family member?) 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 access your account.

Option 6 - You have configured a backup account.

One of the features on the XRP Ledger is the ability to configure a "regular key" on an account.

The XRP Ledger allows an account to authorize a secondary key pair, called a regular key pair, to sign future transactions on an account. If you have configured a regular key on your account, you can still access the account using the regular key account.

Frequently asked questions

I can prove that I own the account. I went through the KYC process. I can prove I activated it. 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 'middle men'. 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 it accesses another 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 access to 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 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 can not 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.

Also available in this video series:

There are two easy ways to create Trust line using Xaman:

1) Selecting one of the pre-vetted tokens from our short list

2) Visiting XRPL.Services and sign using 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.

Xaman will display a screen that looks like this:

From here you can simply select an issuer, for example, Gatehub, then choose which token you would like to create a Trust line for, in this case, we'll choose the Euro, then press Sign to add Token.

Xaman will craft a transaction with the details of the Trust line and after you have reviewed them, you can Slide to accept.

You should see a warning message cautioning you about the potential dangers. Make sure you read the message, then press Continue.

Finally, either enter your passcode/signing password/biometrics to sign the transaction and the Trust line will be created.

What is XRPL.Services?

XRPL.Services is a website which allows you to interact with the XRP Ledger in various ways and to easily create transactions that you can sign with Xaman.

In this case, you can use it to create a Trust line.

Quick instructions

1) Click on this link: XRPL Services

2) In the "Search" field, do a search for the token you wish to set a Trust line to.

3) When the desired token is displayed, press the Set Trustline link beside the token.

4) Press the Confirm button.

5) Press the Open in the Xaman app button.

6) Sign into Xaman.

7) Review the transaction to make sure it is correct.

8) Slide to sign.

Quick instructions with pictures

1) Click on this link: XRPL Services

2) In the "Search" field, do a search for the token you wish to set a Trust line to.

3) When the desired token is displayed, press the Set Trustline link beside the token.

4) Press the Confirm button.

5) Press the Open in the Xumm App button.

6) Sign into Xaman.

7) Review the transaction to make sure it is correct.

8) Slide to sign.

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.

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:

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?

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

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.

Concept and Implementation

The XRP Ledger allows an account to authorize a secondary key pair, called a , 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 .

In this case, you have a Primary account on one card and you have a Signing account on another card.

When you run the , 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:

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:

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.

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:

Disclaimer

The information contained in this article is provided on a "best efforts" basis. We do not provide technical support for Toast wallet.

Is this really a good idea?

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 viewing or entering your private keys.

If you are considering moving your account into Xaman, the safest way to protect your funds is to using Xaman, then move your assets from your XRPL account managed by Toast wallet, over to your new account managed by Xaman.

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 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.

Prerequisites

This article assumes the following:

• You have an existing XRP Ledger account managed by Toast Wallet

• You know the "passphrase" for your XRP Ledger account

If you have lost your passphrase or do not have the correct one for your account, we will not be able to assist you. You must have the correct passphrase otherwise this process will not work.

Instructions

1) Launch Toast wallet and sign in using your passcode.

2) Select your XRP Ledger account.

3) Select the 'Show Secret' button.

4) Enter the passphrase for your XRPL account then select 'Reveal Secret' button.

5) Copy the 'Account Secret'.

Note: Your account secret is displayed in the form of a 'Family Seed".

ie. shR84mcHR84mcHR84mcHHekH1seEc

You will need to know your Family seed in order to access your XRPL account in Xaman.

The instructions continue in Xaman...

6) On your mobile device, launch Xaman and sign in using your 6 digit passcode or with biometrics.

7) Press the Settings button, then Accounts, then + Add account.

8) Tap the "Import an existing account" button.

9) Choose Full Access then press the Next button.

10) Select 'Family Seed" then press the Next button.

11) Enter the Family Seed for your XRPL account that you wrote down from your Toast wallet, then press the Next button.

12) Press the Confirm button.

13) Choose the desired security level. (Standard or Extra security)

14) Give you XRPL account a suitable name then press the Next button.

15) Congratulations! Your XRP Ledger account should now be imported into Xaman.

Frequently Asked Questions

What ever happened to Toast wallet?

Where can I go if I need support for Toast wallet?

Unfortunately customer support for Toast wallet is no longer available. You might be able to find some answers to commonly asked questions here:

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 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.

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.

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 .

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:

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...

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.

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:

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.

If you need assist doing this, check out this article:

My account was created during the Casino Coin swap. How do I access it?

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:

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:

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 hard process. Annoying. We agree. And to make it even worse, when you go back and forth, a whole new set of numbers is generated. 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 (at the time of writing this, July 2019):

• Family Seed, eg. sh1HiK7SwjS1VxFdXi7qeMHRedrYX

• Mnemonic, eg. car banana apple road ...

These formats are prone to typos and 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.

This library encodes the entropy to generate accounts into 8 chunks of 6 digits, of which 5 digits are 1/8th of the entropy, and a 6th digit contains a checksum allowing real-time typo detection.

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, XUMM 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 Xumm is the only app that uses Secret Numbers how are accounts created in Xumm migrated to other apps?

There is a tool to convert Xumm Secret Numbers into a standard XRP seed that is explained here.

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.

https://dev.to/wietse/aggregated-xrp-usd-price-info-on-the-xrp-ledger-1087

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 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.

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:

Getting started - Open an account with GateHub

1) Open an account at GateHub and activate it with 10 XRP.

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:

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:

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:

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:

• https://dexfi.pro (link to xApp -> https://xumm.app/detect/xapp:dexfi.pro )

• https://orchestra.finance/

• https://xpmarket.com/amm

• https://anodos.finance/

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 it. They will have instructions on how to participate in the various liquidity pools. 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:

There are several options for off-ramping funds from your XRP Ledger account managed by Xaman. (formerly Xumm)

Off-ramping fiat

Gatehub has issued several stablecoins on the XRP Ledger. If your plan is to off-ramp fiat such as Euro, USD, GBP, etc. directly to your bank account, you can simply exchange your XRP for the desire stablecoin then send the send it to you bank via our integration with Gatehub.

Here is how:

Off-ramping XRP

If you are interested in converting some of your XRP into fiat, you have several options.

Option 1

We have partnered with several exchanges, some of which offer off-ramp services.

Due to the changing regulations in various countries, you'll need to reach out to your preferred exchange and see if they offer off-ramp services to your region.

Option 2

There are several exchanges in the blockchain space where you can convert XRP into fiat. Some of the bigger players include:

• Gatehub

• Bitstamp

• Uphold

• Kraken

• Bitrue

• Crypto.com

Please make sure that you thoroughly research the crypto exchange that you decide to go with. Each exchange has their own rules and fee structures that you should fully understand before signing up. As well, just because we 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.

Frequently asked questions

What about other XRP Ledger tokens? How to I cash them out?

Some crypto exchanges support multiple XRP Ledger tokens along with XRP. (Gatehub is a good example of one.) This should be one of the things that you research before you create an account with an exchange. If you find that your current exchange does not support your desired XRP Ledger token, contact them directly and see if they have any plans to do so in the future.

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.

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 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:

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:

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.

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).

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

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

Or via email here: support@casinocoin.im

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

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

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:

How do I "cash out" a stable coin?

This feature has been integrated into Xaman (formerly Xumm). This article explains how it works:

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 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

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

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.

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 Xumm)

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:

What is the relationship between Fractal ID and Xumm?

Fractal ID's program required an XRP Ledger wallet in order to participate. Xumm 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 Xumm.

There is currently no partnership or business relationship between Fractal ID and Xumm.

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:

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:

I contacted Fractal ID Customer Service and they told me to contact Xumm 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 Xumm 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:

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

Having said this, there are a couple of places where email can be stored...

Xaman Pro - Early Access

If you have subscribed to Xaman Pro, you have the option to enter an email address if you would like to participate in our beta testing program. You can change your email address by launching Xaman Pro, then choosing Xaman App early access.

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 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.

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

• BTC Support

• Gatehub Support

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 and ask to have your email address for your developer portal account updated.

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:

As well, you can stay up to date on events involving the XRPL Foundation on Twitter here:

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

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:

If you need assistance with the instructions, xrplmeta.org can be reached here:

What exactly are the requirements to get an icon/logo added in Xaman?

Your project must also feature these traits as reflected by the data we retrieve from them.

• 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.

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?

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 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

Initial 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.

Background

When Xumm is installed, you are presented with the option to select Standard security or Extra security.

The following table explains the differences.

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.

Step 2 - Import your account secret back into Xumm

The instructions..

1) Go to

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

• 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.

• 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.

I deleted my XRPL account and sent the funds to my exchange account

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. Only your exchange is capable of delivering your funds to your account.

I still have NFTs in my account so I can not delete it. What should I do?

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?

Also available in this video series:

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:

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:

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.

If you are the victim of a crime, it is vital that you report it to your local police department as soon as possible. They will have the resources, the expertise and experience necessary to conduct a thorough investigation into your case and determine what the best course of action is to recover your funds.

Some countries have a special "cyber crime" or "financial crime" units that you can report crimes to as well. Your local police should provide you with all of your options.

Frequently asked questions

Can Xaman conduct its own investigation?

Xaman is not part of any governmental law enforcement agency nor we do not have the legal authority to conduct a criminal investigation. As well, we are not permitted to interfere in police investigations.

If the police require our assistance, the will contact us.

My police department doesn't know anything about crypto scams

Investigating criminal matters, which now includes crypto and blockchain crimes, is one of the primary responsibilities of law enforcement. In most countries around the world, the local police departments are getting better when it comes to investigating cyber crimes. (After all, blockchain has been around for over 15 years now.) If there is any chance in recovering your funds, the police will need to be involved.

Why can't Xaman just reverse the transactions and get my funds back?

Transactions on the XRP Ledger can not be reversed, blocked or "undone" and the XRPL does not have any administrative functions built into it, so there is no way for Xaman or anyone else to modify or change a completed transaction. All transactions on the XRPL are permanent.

Why can't I just change my 6 digit passcode or my signing password?

The 6 digit passcode is used to access the Xaman app and in some cases, sign transactions in Xaman. It is not used to access your XRPL account. (That's what the secret numbers are for.) Changing your passcode has no effect on your secret numbers.

The same applies to your signing password. Both the passcode and the sign password are LOCAL security measures to protect your secret numbers locally on your phone. They do not prevent someone from accessing your account if they have your secret numbers.

What else should I do?

1. After you have contacted the police, explain exactly what happened which lead up to this situation. They might need access to your phone and your internet history so you should be prepared to surrender your mobile device and your internet records if required.

2. Consider re-keying your account and disabling the master key for the compromised account. If you do this, it will prevent the scammers from accessing your account again.

2. Try to think of ways your account secret could have been compromised.

• Have you ever shared your private key it with anyone?

• Was your private key stored on a cloud account or somewhere else online?

• Was you private key stored on your PC? Mobile device?

• Have you ever entered your private key into a Google form?

• Have you ever entered your private key into another crypto wallet service?

• Have you ever entered your private key into a Website?

• Has your phone ever been in for servicing or repairs?

• Do you use public wifi?

If none of these apply to your situation, there is a good chance that your mobile device has been hacked. At this point we strongly recommend you consider wiping your phone and start reinstalling applications one at a time. Do not restore from backup! Without knowing how your phone was compromised, restoring from backup could be dangerous.

Apple

Android

For instructions on how to wipe your Android phone, contact your phone manufacturer.

Moving forward

We take security VERY seriously.

If you have found yourself in this situation, you should consider the following suggestions moving forward:

• Xaman (Tangem) cards - these cards are an excellent way to take the security of your XRPL account to the next level. You can learn more about them here:

• Review the following article and consider how you plan to interact with the XRP Ledger in the future.

Summary

• Contact your local police immediately if you are the victim of a crime.

• Either re-key the account or

• Create a new account and move your assets over to the new account

Note: Be advised, Trust Lines will have to be duplicated (temporarily) in the new account until they can be removed from the old account requiring enough XRP to cover reserves for two sets of Trust Lines until the move is complete.

Background

When you install Xaman (formerly Xumm), 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.

I have my 6 digit passcode, 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, 11111 or something similar. Your passcode should be difficult to guess.

My 6 digit passcode code is not working

In a case where your passcode is no longer working, you are going to need to uninstall Xaman, then reinstall Xaman and re-import your account using your account secret.

I lost my 6 digit code and I need to create a new one

In a case where you have lost your passcode, the solution is the same as if your passcode is not working. Uninstall Xumm, then reinstall Xaman and re-import your account using your account secret.

// NOT Intended for general use 

The NFTokenBurn transaction is used to remove a NFToken object from the NFTokenPage in which it is being held, effectively removing the token from the ledger (burning it).

Reference: https://xrpl.org/nftokenburn.html

Resource: https://xrpl.services/tools

Requirements;

• Must be NFT Owner

Or

• if the NFToken has the lsfBurnable flag enabled

  • can be the issuer

  • or the issuer's authorized NFTokenMinter account instead

1. Sign in to XRPL.Services with the account that owns the NFT

Navigate to XRPL Tools > Raw JSON Transactions > NFTokenBurn Template

Update the field values to match the requirements of your transaction as follows;

N.B. The "Sequence" and "Fee" fields are not present since XUMM will take care of this!

{
  "TransactionType": "NFTokenBurn",
  "Account": "rNCFjv8Ek5oDrNiMJ3pw6eLLFtMjZLJnf2",
  "Owner": "rvYAfWj5gh67oV6fW32ZzP3Aw4Eubs59B", //Optional
  "NFTokenID": "000B013A95F14B0044F78A264E41713C64B5F89242540EE208C3098E00000D65"
}

Submit the transaction to Xumm via the button under the code

Update the Memo if necessary and select Confirm

A QR Code screen appears

In Xumm, 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:

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

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:

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:

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