Retail holders of XRP can now access decentralized finance (DeFi) services on the Flare network, and they can do so without needing to utilize a seed phrase for security or account access. This means that individuals who own XRP have the opportunity to participate in various DeFi applications and activities, such as lending, borrowing, and earning interest on their crypto assets, in a more user-friendly and streamlined manner, eliminating the often complex process of managing seed phrases associated with digital wallets.
source: https://www.coindesk.com/markets/2025/08/05/retail-xrp-holders-can-now-tap-defi-on-flare-no-seed-phrase-needed