XRP Alliance links D’CENT’s 720k users to vaults

The XRP Alliance launched on May 19, linking D’CENT’s 720,000 hardware wallet users to XRP yield vaults via Flare Smart Accounts.

D’CENT Wallet and Flare Network announced the XRP Alliance on May 19, a coalition that connects D’CENT’s estimated 720,000 hardware wallet users directly to XRP-denominated yield vaults without requiring a new chain, separate wallet, or gas token.

XRP holders can deposit into vaults directly from the D’CENT app using two signatures on the XRP Ledger, with Flare Smart Accounts minting FXRP and depositing it into the selected vault in a single flow.

Two vaults are available at launch. The Monarq XRP Yield Vault (MXRPY), managed by Monarq Asset Management on Upshift infrastructure, targets 3% to 4% annually through options trading, basis and funding-rate arbitrage, and on-chain XRPFi strategies.

The earnXRP vault, curated by Clearstar, offers the first fully on-chain yield product denominated in XRP, with returns automatically compounded. “Through our partnership with Flare, we are happy to provide the best and easiest way to deposit and manage XRP in the Monarq Yield Vault with top-tier hardware security,” D’CENT said in its campaign announcement.

XRP Alliance brings yield infrastructure to hardware wallets

The alliance also includes Doppler, Banxa, and Squid alongside D’CENT and Flare, with the stated objective of building distribution and interoperability across the XRP ecosystem.

As crypto.news reported in February, Flare expanded modular lending for XRP via Morpho and Mystic earlier in 2026, establishing the vault infrastructure that the D’CENT integration now makes accessible to hardware wallet holders for the first time.

For most of XRP’s history, holders have had limited ways to put the asset to work in programmable finance. As crypto.news documented, XRP ETF products pulled in $81.63 million in net inflows in April 2026, the best month of the year, reflecting growing institutional demand for XRP exposure.

The D’CENT integration extends that institutional-grade infrastructure toward the self-custody retail and semi-institutional holder base, which stores an estimated billions of XRP in hardware devices.

What the 0% fee campaign means for XRP yield adoption

D’CENT is offering a 0% platform fee through June 8, meaning users pay only Flare’s standard base fees. The firm noted that most other platforms charge an additional platform fee on vault deposits.

The Monarq vault carries an initial deposit cap of 500,000 FXRP, with both vaults accessible to non-D’CENT users through the Upshift platform. The XRP price page at crypto.news tracks the live market conditions that affect vault returns, given that yields vary with XRP price movements and strategy performance.