XRPLHub — XRPLScore, MPT issuer risk & payment pre-checks

Check whether an XRPL account holds a credential that satisfies a PermissionedDomain (XLS-80d) — the question every domain operator and every would-be participant actually asks before a real transaction. Live against a validated mainnet ledger. Eligibility is OR: any ONE accepted, unexpired credential matching the domain's AcceptedCredentials is enough. Params: wallet_address (r..., required), domain_id (64-hex DomainID, the PermissionedDomain ledger index, required). Free, no signup.

Get the risk view of one XLS-33 Multi-Purpose Token issuance before touching it: what the issuer CAN DO to a holder (clawback, freeze, require-auth, whether it's transferable at all) plus the issuer's XRPLScore. Free. For the full issuer picture — account age, xrp-ledger.toml-verified domain, credentials held (live ledger reads) — GET /api/x402/usdc/mpt/{id} pays $0.01 USDC on Base via x402. Every response states its source and returns 'unknown', never 'does not exist', when an issuance isn't found. Params: issuance_id (48-hex MPTokenIssuanceID, required). No signup.

Check whether the XRPLHub money path is working BEFORE you pay: database, Xaman, both x402 facilitators (t54 RLUSD + CDP USDC-on-Base), the on-ledger anchor config, the credential signing secret, and alerting. Returns overall "ok" | "warn" | "down" plus a per-component list. Poll this if a prior paid call failed. No params. Free, no signup.

Who can move money out of an XRPL wallet: its master key, a regular key, a multi-sign signer list, permission delegations (given and received — live on mainnet since 2026-10-08), and money others can pull without a new approval (checks, payment channels, escrows, open DEX and NFT offers, tickets). One plain-English sentence per finding plus the raw ledger facts. This is a PAID x402 call: $0.02 in USDC on Base or RLUSD on the XRP Ledger at GET /api/x402/permissions?address=r.... This tool returns the payment resource to call; it does not run the check. People can use the free page at https://www.xrplhub.io/permissions.

Get a 300–850 creditworthiness score for any XRP Ledger wallet before you pay, lend to, trade with, or onboard it. You get back: the score, a letter grade, peer percentile, a per-signal breakdown (account age, lifetime tx history, financial health, token engagement, DEX activity, AMM participation, security config, NFTs), and ranked tips to raise it. Params: wallet_address (r... classic address, 25–35 chars, required). Free — no API key, no signup, 100% public ledger data.

Donate XRP or RLUSD to the XRPLHub Community Grant Treasury — a transparent on-chain fund that pays approved applicants wallet-to-wallet with zero overhead. Returns the treasury address and, if you pass donor_wallet, a ready-to-sign Payment txjson; every donation and payout is recorded on the XRP Ledger and publicly verifiable. Params: amount (number, required), currency (XRP|RLUSD, default XRP), donor_wallet (r..., optional), message (optional). No signup.

Get every XLS-70 credential an XRPL account holds — issuer, type, whether it has been accepted, whether it's expired, and its expiry date. Live against a validated mainnet ledger (never stale). Use this before trusting a counterparty who claims to hold a credential. Default walks the owner directory (bounded ~20s; response has coverage "complete"/"partial" — for an exchange-scale account it can be partial). Pass issuer (and credential_type unless it is XRPLHub's issuer) to do a direct ledger lookup instead — always fast and always complete. Params: wallet_address (r..., required), issuer (r..., optional), credential_type (name or hex, optional). Free, no signup.

Get everything an issuer account has issued: every credential type, distinct subject count, and acceptance rate. Served from a network-wide census rebuilt on a schedule — the response includes coverage ("complete" or "partial") so a mid-walk answer is never mistaken for a finished count. Params: issuer_address (r..., required). Free, no signup.

Everything one issuer has put out as Multi-Purpose Tokens (XLS-33), from the registry index, plus the issuer's own XRPLScore. Each issuance lists the issuer's powers over a holder. Response carries coverage ('complete-per-known-issuer'/'partial'). Params: issuer_address (r..., required). Free, no signup.

A borrower's TOTAL XLS-66 lending exposure across ALL loan brokers in one call — the XRP Ledger has no aggregate borrower-debt object, so a broker carrying first-loss capital cannot see a borrower's total leverage elsewhere. Returns: outstanding by asset, loan count, distinct broker count, defaults / impairments / overdue, XRPLHub's XRPLScore, and an observation history summary. IMPORTANT: XLS-66 keeps CURRENT exposure only. A defaulted loan zeroes its own amounts (the flag is the credit event, not the balance), and either the borrower or the broker can delete a paid or defaulted loan to reclaim the borrower's reserve — a borrower can erase evidence of their own default. Every call here persists an immutable Merkle-anchored snapshot. `disposition` = 'no-loans-ever' means we have never observed a loan (NOT proof of none); 'history-only' means loans were seen before but none are on the ledger now. XLS-66 is not yet enabled on mainnet — until it is, this returns amendment-not-active with the live XRPLScore. Not underwriting or credit advice. Params: borrower (r..., required). Free via MCP.

Every loan XRPLHub has EVER observed for a borrower, built from append-only exposure snapshots — the credit file the XRP Ledger can't keep. Per loan: first/last observed ledger, last-known status, monotonic everDefaulted / everImpaired / everOverdue flags, and for loans since deleted from the ledger, the ledger window in which they vanished. A borrower who defaulted and then deleted the loan shows nothing on-ledger; here it shows as vanished with everDefaulted true. `observationWindow` says how far back our view goes — loans deleted before we first saw this borrower are invisible to us. Params: borrower (r..., required). Free, no signup.

Describe XRPLHub's continuous-monitoring service so an agent can decide whether to use it: what it watches for a list of wallets (score drops against a threshold YOU set, OFAC SDN list hits, and — once XLS-66 activates — first loan / overdue / impaired / defaulted), how it is delivered (HMAC-signed webhooks, once-a-day checks, attested Merkle-anchored history), per-plan watch slots, the shared capacity limit, the consumer-use acknowledgement text that subscribing requires (no FCRA/ECOA consumer credit, insurance, employment or housing decisions) and the endpoints. Layered on top of underwriting, never a replacement; no recommendation, no probability of default. Subscribing needs an API key over HTTP (POST /api/monitor/subscribe), not this tool. No params. Free.

The full underwriting-inputs bundle a LoanBroker needs for an XLS-66 decision, in one call: cross-broker exposure, XRPLScore + grade, OFAC SDN screening (with its own verifiable receipt), observation history + gaps, and one Merkle-anchored attestation over the whole bundle. FACTS ONLY — it never returns a recommended principal, rate, approve/decline, or probability of default; the broker decides. This is a PAID x402 call: $0.05 USDC on Base at GET /api/x402/lending/underwrite?borrower=r... (no free tier, no API key). For the free components use get_lending_exposure and screen_address_ofac. This tool returns the payment resource details. Params: borrower (r..., required).

Get a certificate of a wallet's XRPLScore, signed by XRPLHub, with the score computed fresh at issuance. A counterparty checks it by asking XRPLHub's verify URL — the signature is an HMAC under a key only XRPLHub holds, so this is XRPLHub's own attestation, not independently verifiable proof, and the buyer need not control the wallet. Two calls: first returns a Xaman payment request (1 XRP or 1 RLUSD, valid 90 days); call again with the same wallet_address + returned uuid after signing to get certId and verifyUrl. Params: wallet_address (r..., required), currency (XRP|RLUSD, default XRP), uuid (2nd call only). No signup.

Before your agent pays an XRPL address: one verdict (block / caution / proceed) by fixed published rules — the destination's XRPLScore, a sanctions screen against every list XRPLHub holds (with a verifiable receipt), account age and ledger flags, and whether the ledger would REJECT the payment (missing destination tag, Deposit Authorization, no RLUSD trust line, unfunded account). This is a PAID x402 call: $0.03 in USDC on Base or RLUSD on the XRP Ledger at GET /api/x402/precheck. This tool returns the payment resource to call; it does not run the check. Params: destination (r..., required), amount, currency (XRP|RLUSD), destination_tag, from (your paying address).

Pay 2 to 8 XRPL addresses with ONE signature, all or nothing (XRPL Batch, tfAllOrNothing — live on mainnet since 2026-10-09). Checks every payment on the live ledger first (destination exists or will be created, destination tag, Deposit Authorization, RLUSD trust line, sender balance + fee) and refuses a batch that would fail. Returns the UNSIGNED Batch transaction and a Xaman sign link. FREE. XRPLHub never signs: the sender signs with its own wallet, before sending any other transaction from that account (the batch uses the next sequence numbers).

Compare one XRPL address against a vintage-pinned snapshot of the US Treasury OFAC SDN list (exact address-string match only) and get a factual, Merkle-anchored receipt. ATTESTS TO PROCESS, NOT GROUND TRUTH: the receipt records that the address was compared against a named list snapshot (its OFAC publish date + the SHA-256 of the exact file) at a stated time, and what the comparison found. A "no match" means the address did NOT appear on that list version — it is NOT a statement that the address is clean, safe, or unsanctioned. This is not legal or compliance advice, makes no compliance decision, and does not discharge your own screening obligations. Scope: OFAC SDN only — no EU/UK/UN lists, no name/alias/fuzzy matching, no transaction-graph analysis. Returns queryId (verify it later with verify_attestation), the list {name,vintage,sha256}, result {listed, matches[]}, and a one-sentence factual statement. Params: address (r..., required). Free via MCP. Terms: /legal/screening.

Search the XRPL Multi-Purpose Token (XLS-33) registry index by issuer address, MPTokenIssuanceID (or a hex prefix of one), or token name / ticker. Returns each match with issuer powers (clawback, freeze, require-auth, transferable), supply, holder count and source. Served from the index — the response carries coverage ('complete' or 'partial') and lastCompletedPassAt; treat 'partial' as a floor, not the whole population. Params: q (required). Free, no signup.

Apply for a community micro-grant ($25–$100) paid wallet-to-wallet from the XRPLHub on-chain treasury for rent, utilities, groceries, medical, transport, or childcare. Returns a grant id and status. A person reviews every application and makes every decision — no automated triage, no middleman. Params: wallet_address (r..., required), category (RENT|UTILITIES|GROCERIES|MEDICAL|TRANSPORT|CHILDCARE|OTHER, required), amount (25–100, required), description (2–4 sentences, required). No signup.

Given a queryId from screen_address_ofac OR get_lending_exposure, return everything needed to verify that receipt WITHOUT trusting XRPLHub: the canonical leaf, its Merkle inclusion proof, the on-ledger anchor transaction hash + ledger close time, and the SHA-256 of the source data (the OFAC SDN snapshot, or — for lending — the exact list of Loan ids observed). Rebuild the leaf, fold the proof to the Merkle root, confirm that root is in the anchor tx's MemoData. Before the daily anchor runs it shows status "pending" with the leaf hash only. Params: query_id (UUID, required). Free, no signup.

Get the latest on-ledger anchor of the MPT registry (BIS Working Paper 1374 pattern): a Merkle root over the canonicalised index, committed in a Memo on a transaction from a dedicated anchor wallet (not the credential issuer). Returns the root, its tx hash, ledger index, issuance/issuer counts, coverage, and the exact canonicalisation + Merkle scheme so you can reproduce the root from the published /api/mpt/search + /api/mpt/issuer data and check that those rows match the root we anchored on-ledger at a known time (proves published-rows-match-anchored-root, not immutability). No params. Free, no signup.