By Isaac • October 21, 2026 11:21 pm •
XRP holders can now reach yield products with fewer clicks, but convenience does not erase the cost of getting in and back out.
A first-time user putting 100 XRP into the Flare-linked earnXRP route through Xaman may need roughly 15 months just to break even under one of the wallet’s own hypothetical return scenarios. For a small deposit, the fixed setup charge does most of the early damage.
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The Xaman calculation starts with a 3.5% gross annual yield and estimates a 2.25% net rate after assumed vault costs. It then adds the separate costs of entering and leaving the route: a 0.5% Xaman service charge, a 0.11% FXRP minting charge, a one-time 2 XRP setup cost,
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