XRPLHub — XRPLScore & XRPL actions
Free XRPL wallet creditworthiness scores, ready-to-sign txjson for 35 XRPL actions, and more.
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What it can do
What data it sees
Do you need an account
No: the server works without sign-in
Free XRPL wallet creditworthiness scores, ready-to-sign txjson for 35 XRPL actions, and more.
Server tool list (19)
Raw names from tools/list. Only developers need these.
| issue_score_credential | Get a signed, tamper-evident certificate of a wallet's XRPLScore that any counterparty can verify without trusting the holder — the free score isn't provable to a third party, this is. 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. |
| check_xrpl_score | 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. |
| get_account_credentials | 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_issuer_credentials | 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. |
| check_mpt_risk | 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, Bithomp cross-check — 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. |
| search_mpts | 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. |
| get_issuer_mpts | 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. |
| check_service_health | 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. |
| verify_mpt_registry | 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. |
| check_domain_eligibility | 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. |
| list_xrpl_services | List all 35 XRPL actions that build_xrpl_transaction can produce. For each you get: id, plain-English label, category, safety tier, and every parameter (name, type, required, example). Call this FIRST so you pass the right product_id and params in one shot instead of guessing and getting a missing-params error. No parameters. Free, no signup. |
| build_xrpl_transaction | Get a ready-to-sign transaction JSON for any of 35 XRPL actions — no XRPL coding. Returns the exact txjson plus a safety tier; the wallet owner signs it in their own wallet (this never signs for anyone). Call list_xrpl_services first for all 35 ids and every parameter with examples. Params: product_id (required — e.g. checkcreate, escrow, trustline, nftmint, dexorder, multisig), wallet_address (r... signer, required), params (object, per-service). Free, no signup. |
| submit_grant_application | 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. |
| donate_to_community_fund | 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. |
| screen_address_ofac | 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. |
| verify_attestation | 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_lending_exposure | 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. |
| get_underwriting_inputs | 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_lending_history | 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. |