Xaman Wallet reportedly eyes minimum fee removal to boost XRP Ledger liquidity

Xaman Wallet, the self-custodial app built by XRPL Labs and the dominant wallet for the XRP Ledger ecosystem, has removed its 0.09 XRP minimum fee on trades. The stated goal is straightforward: less friction at the entry point means more people can actually use the network’s liquidity, including traders moving smaller amounts who were previously priced out by the floor.

It is a notable reversal for a wallet that only introduced its service fee structure in late January 2025, when it rolled out a 0.8% trading fee on swaps and decentralized exchange activity, paired with that 0.09 XRP minimum. For context, the XRP Ledger’s own base transaction cost sits at roughly 0.00001 XRP. Xaman’s minimum was, by comparison, orders of magnitude higher than the network itself charges.

Why the minimum fee mattered more than it looked

Removing the floor does not eliminate Xaman’s service fees entirely. The 0.8% trading fee on swaps and DEX activity remains in place. What changes is the lower bound: trades that previously couldn’t make economic sense below a certain size now have a clearer path to execution without being penalized simply for being small.

Context: Xaman’s evolving fee structure

Xaman, formerly known as XUMM, rebranded as part of a broader effort to expand its identity beyond a simple transaction signing tool into a full-featured financial interface for XRPL. The January 2025 fee introduction was the wallet’s first significant shift toward a revenue model that didn’t rely on its Pro subscription tier.

That Pro subscription was itself discontinued for new customers on January 30, 2026, a decision that closed off one monetization path and reinforced the platform’s reliance on transaction-based fees. Free payment options within the wallet were preserved.

The June 2026 launch of Xaman Swap added one-tap swaps directly inside the wallet interface. Dropping the minimum fee is, in that light, a logical complement to the Swap feature: make it easy to trade, then make sure small trades aren’t punished for being small.

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