Xaman Wallet XRP Yield Route Calculation Shows Costs Outweigh Potential Returns for Small Deposits

An illustrative calculation using Xaman's Flare yield route shows that a 100 XRP deposit would return only about 99.38 XRP after one year, despite assuming a 2.25% net annual return. The costs include a fixed 2 XRP setup charge, a 0.5% deposit service charge, a 0.11% FXRP minting charge, and a 0.2% redemption fee. Xaman estimates a break-even point of about 15.4 months for 100 XRP, but these figures are scenarios, not guaranteed returns, and current public fee data suggests lower management charges and a trailing yield below the example's net rate.