D’CENT and Flare have launched an integration designed to let XRP holders access yield opportunities without giving up the security of their hardware wallets. According to Flare, users can move XRP directly into curated yield vaults on the Flare network, and the process does not require a third-party blockchain or extra tokens. Participation is handled through wallets users already control.
D’CENT says it now serves more than 300,000 hardware wallet users and over 720,000 customers across its broader product base, including the app. Its key markets include South Korea, the US, the UK, Canada, and Japan. The company also stated that its users collectively hold billions of XRP. For a community that has historically prioritized custody and security, the integration is notable because it combines self-custody with yield access.
A two-signature path to XRP yield
Flare co-founder Hugo Philion said the partnership enables D’CENT users to earn yield on XRP while continuing to rely on the security of their trusted hardware wallets. He described the setup as a more institutional-grade model for XRPFi. On the infrastructure side, Flare provides a programmable layer for XRP through its FAssets system, allowing XRP to be represented on-chain in a way the company describes as secure and transparent.
In practice, each user’s EVM account is linked to an XRPL address controlled solely by that user’s signatures. During deposits, users approve two signatures on the D’CENT device. The first reserves collateral on Flare, while the second sends XRP to the vault, mints FXRP, and routes the assets into the earning protocol. Withdrawals follow the same dual-signature structure, which is intended to keep users in control throughout the process.
XRP Alliance expands the broader ecosystem push
The launch also coincides with the XRP Alliance initiative, led by D’CENT and supported by Flare. Future members are expected to include Doppler, Banxa, and Squid. The stated goal is to expand the XRP ecosystem and support more real-world use cases. Flare said its role in the alliance is to supply the programmable infrastructure that can connect XRP on XRPL to broader DeFi functionality.
On the product side, Flare said the Monarq vault uses a multi-strategy yield management approach and is predominantly managed by FalconX, combining on-chain and off-chain methods to optimize returns. A second option, the earnXRP vault developed with Cleanstar, is presented as an alternative source of income. D’CENT users can access both vaults directly, while non-D’CENT users can join through the Upshift platform. As always, the information does not constitute investment advice, and crypto assets remain highly volatile and risky.