TheBlock
Flare and D'CENT Wallet have launched an integration connecting hardware wallets directly to XRP yield vaults using XRP Ledger signatures, with no separate chain, wallet, or gas token required. Two institutional-grade vaults are live at launch: a Monarq vault operated by a FalconX-majority-owned asset manager that blends onchain and off-chain return strategies, and an earnXRP vault curated by Clearstar. Both are accessible via D'CENT, while the broader Upshift interface remains open to non-D'CENT users.
The deposit flow is built around two XRPL signatures from the D'CENT device — the first reserves collateral on Flare and identifies the target vault, and the second sends XRP to the Core Vault on XRPL, which automatically mints FXRP on Flare and routes it into the chosen vault. Withdrawals mirror that pattern through a smart-contract proxy bound to each XRPL address. The architecture lets holders keep XRP on the hardware device they already trust while earning yield elsewhere.
Why it matters
The integration targets the long-standing gap Flare co-founder Hugo Philion flagged — that D'CENT users, particularly in Korea, have had to move XRP off-device to access yield. By binding the deposit and withdrawal flow to native XRPL signatures, Flare removes the custody tradeoff that has pushed most institutional XRP holders toward centralized lending desks. The Monarq vault's FalconX-linked operator and the Clearstar-curated earnXRP option also give the launch institutional credibility beyond a single-provider yield product.
The launch coincides with the debut of the XRP Alliance, a coalition Flare convened with D'CENT and joined by Doppler, Banxa, and Squid. Flare is positioning the network as a "programmable layer for XRP" through FAssets — the trust-minimized onchain representation of XRP — and Flare Smart Accounts, framing the alliance as an ecosystem play rather than a single product.
Market impact
XRP traded around $1.38 on Tuesday, flat over 24 hours and roughly 62% below its January 2018 all-time high near $3.65, so the integration is not a price catalyst on its own.
Frequently asked questions
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What did Flare and D'CENT actually launch?
An integration that lets D'CENT hardware-wallet users deposit XRP into onchain yield vaults via native XRPL signatures — two signatures from the device reserve collateral and route the deposit, with no separate chain or gas token.
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Which yield vaults are live at launch?
Two institutional-grade vaults: a Monarq vault operated by a FalconX-majority-owned asset manager that blends onchain and off-chain return strategies, and an earnXRP vault curated by Clearstar. Both are accessible via D'CENT, with Upshift also open to non-D'CENT users.
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What is the XRP Alliance?
A coalition convened by Flare with D'CENT, Doppler, Banxa, and Squid. Flare is positioning the alliance around FAssets — trust-minimized onchain XRP representation — and Flare Smart Accounts, framing the network as a programmable layer for XRP.
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Do users have to move XRP off their hardware wallet to earn yield?
No. The deposit and withdrawal flows are signed natively on XRPL from the D'CENT device, so XRP stays on the hardware wallet the user already trusts while yield is generated through FXRP on Flare.
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How is XRP price reacting to the launch?
XRP traded around $1.38 on Tuesday, flat over 24 hours and roughly 62% below its January 2018 ATH near $3.65. The integration is a structural distribution story rather than an immediate price catalyst.
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