Learn · Building on Flare

Smart Accounts

Smart Accounts let an XRP Ledger user act on Flare — mint FXRP, deposit into a vault — without ever holding FLR or signing a Flare transaction.

How it works

Each XRPL address is paired with a unique smart account on Flare that only that address can control. The user encodes an instruction into an XRPL payment's memo/reference; an operator submits the payment to Flare via the FDC; theMasterAccountController verifies the proof and executes the instruction on the user's smart account.

Instruction types

• FXRP — reserve, transfer, redeem.
• Firelight / Upshift — deposit, withdraw, claim against partner vaults.
• Custom — arbitrary pre-registered contract calls.

Instructions are a compact fixed-size format, so they fit in an XRPL memo. The result: an XRPL-native user gets Flare DeFi with one familiar payment, no bridge UX and no gas token to acquire.

Last reviewed June 2026