So, your PC, the CPU/platform, has a maximum speed of DDR5-4800 (newer is faster). The base speed is DDR5-2800.
When your PC boots for the first time/at default settings, it uses the much slower, but 'guaranteed' to be stable/functional JEDEC profile. XMP, is technically overclocking (assuming the XMP profile is faster than the platform max)........it's overclocking the IMC (integrated memory controller) on the processor. So you have to enable that functionality by turning on the XMP profile in the BIOS.
Your RAM sticks have profiles on them, Typically a JEDEC (org that sets microelc standards, such as this) profile or two, and XMP profile or two (AMD has this too, called AMP/EXPO). If you download CPUz and look at the SPD tab and select a stick, the fields will populate and you can see what I'm talking about. But you enable XMP and you run the speed and timings in the profile. Here's a picture of mine below. I have XMP enabled, AND tweaked the timings down from the profile.
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