MCP Server
XRPLHub — XRPLScore & XRPL actions
io.github.Dcroyalty/xrplhub
What this MCP does
Analyzes XRPL wallets, lending exposure, credentials, token risk, sanctions status, and creditworthiness, and builds ready-to-sign XRPL transactions.
Capabilities
Tools
21
tools
build_xrpl_transaction
BUY the unsigned, ready-to-sign transaction for one of 34 XRPL actions. Not free: returns the exact x402 payment resource (GET /api/x402/tx?...) at the storefront price, payable in USDC on Base or RLUSD on XRPL. Pay it with an x402 client and that response is the txjson; you sign it with your own wallet (XRPLHub never signs). No payment, no txjson. Call preview_xrpl_transaction (free) first. Params: product_id, wallet_address (r..., the signer), params (object), confirm_caution (caution-tier only, after the wallet owner has read the preview).
Input schema
{'type': 'object', 'required': ['product_id', 'wallet_address'], 'properties': {'params': {'type': 'object', 'description': 'Per-service parameters. Call list_xrpl_services for types + examples for every field. Required fields by id — multisig: signers, quorum | regkey: regularKey | depositauth: (no params) | desttag: (no params) | lockdown: (no params) | issuerdecl: (no params) | issuercfg: (no params) | tokenfee: transferFee | trustline: issuer, currency | trustsend: issuer, currency, destination, amount | rippling: (no params) | mptissue: name, ticker, maximumAmount | mptsend: destination, mptIssuanceId, amount | globalfreeze: (no params) | freezeline: holder, currency | dexorder: takerGetsValue, takerPaysValue | ammwithdraw: asset2Currency | smartswap: receiveValue, receiveCurrency | ammlaunch: assetValue, asset2Value | ammentry: assetValue, asset2Currency | paychannel: destination, amount, publicKey | tickets: (no params) | nftmint: uri | nftburn: nftokenId | nftoffer: nftokenId, amount | checkcreate: destination, amount | checkcash: checkId, amount | checkcancel: checkId | depositpreauth: sender | escrow: destination, amount, finishAfter | identity: domain | did: uri | compliance: domain, didUri | credentialissue: subject, credentialType | permdomain: (no params)'}, 'product_id': {'enum': ['multisig', 'regkey', 'depositauth', 'desttag', 'issuerdecl', 'issuercfg', 'tokenfee', 'trustline', 'trustsend', 'rippling', 'mptissue', 'mptsend', 'globalfreeze', 'freezeline', 'dexorder', 'ammwithdraw', 'smartswap', 'ammlaunch', 'ammentry', 'paychannel', 'tickets', 'nftmint', 'nftburn', 'nftoffer', 'checkcreate', 'checkcash', 'checkcancel', 'depositpreauth', 'escrow', 'identity', 'did', 'compliance', 'credentialissue', 'permdomain'], 'type': 'string', 'description': "Which XRPL action to buy. Call list_xrpl_services for the full catalogue with each id's label, tier, price and parameters."}, 'wallet_address': {'type': 'string', 'description': 'XRPL classic address (r...) of the account that will sign the transaction'}, 'confirm_caution': {'type': 'boolean', 'description': 'Caution-tier services (multisig lockdown, No Freeze, MPT issuance…) can be irreversible. Set true ONLY after the wallet owner has read the preview_xrpl_transaction `irreversible` block; it is added to the payment resource.'}}}
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.
Input schema
{'type': 'object', 'required': ['wallet_address', 'domain_id'], 'properties': {'domain_id': {'type': 'string', 'description': "The PermissionedDomain's ledger index — 64 hex characters"}, 'wallet_address': {'type': 'string', 'description': 'XRPL classic address to check (starts with r)'}}}
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.
Input schema
{'type': 'object', 'required': ['issuance_id'], 'properties': {'issuance_id': {'type': 'string', 'description': 'The MPTokenIssuanceID — 48 hexadecimal characters (XLS-33, 192-bit)'}}}
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.
Input schema
{'type': 'object', 'properties': {}}
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.
Input schema
{'type': 'object', 'required': ['wallet_address'], 'properties': {'wallet_address': {'type': 'string', 'description': 'XRP Ledger classic address to score (starts with r, 25–35 characters)'}}}
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.
Input schema
{'type': 'object', 'required': ['amount'], 'properties': {'amount': {'type': 'number', 'description': 'Amount to donate. Minimum 1. Any size welcome — even 1-5 XRP helps fund a real grant.'}, 'message': {'type': 'string', 'description': 'Optional. A short dedication or message to attach to the donation record.'}, 'currency': {'type': 'string', 'description': 'XRP or RLUSD. Default: XRP. Use RLUSD for a stable USD-equivalent donation.'}, 'donor_wallet': {'type': 'string', 'description': 'Optional. XRPL wallet address of the donor. Providing this allows building a ready-to-sign Payment transaction.'}}}
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.
Input schema
{'type': 'object', 'required': ['wallet_address'], 'properties': {'issuer': {'type': 'string', 'description': 'Optional — restrict to one issuer via a direct ledger lookup (no owner-directory walk)'}, 'wallet_address': {'type': 'string', 'description': 'XRPL classic address to look up (starts with r)'}, 'credential_type': {'type': 'string', 'description': "Optional — credential type (plain name or hex); required with issuer unless the issuer is XRPLHub's"}}}
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.
Input schema
{'type': 'object', 'required': ['issuer_address'], 'properties': {'issuer_address': {'type': 'string', 'description': 'XRPL classic address of the credential issuer (starts with r)'}}}
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.
Input schema
{'type': 'object', 'required': ['issuer_address'], 'properties': {'issuer_address': {'type': 'string', 'description': 'XRPL issuer address (starts with r)'}}}
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.
Input schema
{'type': 'object', 'required': ['borrower'], 'properties': {'borrower': {'type': 'string', 'description': 'XRPL classic address (r..., 25–35 chars) of the borrower'}}}
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.
Input schema
{'type': 'object', 'required': ['borrower'], 'properties': {'borrower': {'type': 'string', 'description': 'XRPL classic address (r...) of the borrower'}}}
get_monitoring_info
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.
Input schema
{'type': 'object', 'properties': {}}
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).
Input schema
{'type': 'object', 'required': ['borrower'], 'properties': {'borrower': {'type': 'string', 'description': 'XRPL classic address (r...) of the borrower'}}}
issue_score_credential
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.
Input schema
{'type': 'object', 'required': ['wallet_address'], 'properties': {'uuid': {'type': 'string', 'description': 'Only for the second call: the payment uuid returned by the first call, after the user has signed in Xaman.'}, 'currency': {'enum': ['XRP', 'RLUSD'], 'type': 'string', 'description': 'Payment currency. Defaults to XRP.'}, 'wallet_address': {'type': 'string', 'description': 'XRP Ledger wallet address the credential will attest to (starts with r)'}}}
list_xrpl_services
List all 34 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.
Input schema
{'type': 'object', 'properties': {}}
preview_xrpl_transaction
FREE. Describe one XRPL transaction before you buy it: what it does, what is irreversible, the price, and every field it needs. Returns NO signable txjson — enough to decide, not enough to sign. Then call build_xrpl_transaction to buy it. Params: product_id (required, from list_xrpl_services), params (optional object; tailors the multisig warning).
Input schema
{'type': 'object', 'required': ['product_id'], 'properties': {'params': {'type': 'object', 'description': 'Optional per-service parameters; only used to tailor the irreversibility wording (e.g. signers, quorum).'}, 'product_id': {'enum': ['multisig', 'regkey', 'depositauth', 'desttag', 'issuerdecl', 'issuercfg', 'tokenfee', 'trustline', 'trustsend', 'rippling', 'mptissue', 'mptsend', 'globalfreeze', 'freezeline', 'dexorder', 'ammwithdraw', 'smartswap', 'ammlaunch', 'ammentry', 'paychannel', 'tickets', 'nftmint', 'nftburn', 'nftoffer', 'checkcreate', 'checkcash', 'checkcancel', 'depositpreauth', 'escrow', 'identity', 'did', 'compliance', 'credentialissue', 'permdomain'], 'type': 'string', 'description': 'Which XRPL action to describe. Call list_xrpl_services for the catalogue.'}}}
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.
Input schema
{'type': 'object', 'required': ['address'], 'properties': {'address': {'type': 'string', 'description': 'XRPL classic address (r..., 25–35 chars) to compare against the OFAC SDN list'}}}
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.
Input schema
{'type': 'object', 'required': ['q'], 'properties': {'q': {'type': 'string', 'description': 'Issuer address (r...), MPTokenIssuanceID or hex prefix, or token name/ticker'}}}
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.
Input schema
{'type': 'object', 'required': ['wallet_address', 'category', 'amount', 'description'], 'properties': {'amount': {'type': 'number', 'description': 'Amount requested in RLUSD (1–100)'}, 'category': {'type': 'string', 'description': 'Grant category: RENT, UTILITIES, GROCERIES, MEDICAL, TRANSPORT, CHILDCARE, or OTHER'}, 'currency': {'type': 'string', 'description': 'Payout currency. Default and recommended: RLUSD'}, 'description': {'type': 'string', 'description': 'Clear description of the need, situation, and urgency (2–4 sentences). Be specific — vague applications are harder for the reviewer to verify.'}, 'wallet_address': {'type': 'string', 'description': 'XRPL wallet address where the grant will be sent if approved'}}}
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.
Input schema
{'type': 'object', 'required': ['query_id'], 'properties': {'query_id': {'type': 'string', 'description': 'The queryId (UUID) from screen_address_ofac or get_lending_exposure'}}}
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.
Input schema
{'type': 'object', 'properties': {}}
History
Recent tool changes
Changed
build_xrpl_transaction
Sept. 27, 2026, 2:44 a.m.
Added
preview_xrpl_transaction
Sept. 27, 2026, 2:44 a.m.
Changed
issue_score_credential
Sept. 23, 2026, 2:42 a.m.
Added
get_monitoring_info
Sept. 21, 2026, 2:50 a.m.
Changed
build_xrpl_transaction
Sept. 21, 2026, 2:50 a.m.
Changed
list_xrpl_services
Sept. 21, 2026, 2:50 a.m.
Added
get_lending_history
Sept. 17, 2026, 12:41 p.m.
Added
get_underwriting_inputs
Sept. 17, 2026, 12:41 p.m.
Added
get_lending_exposure
Sept. 17, 2026, 12:41 p.m.
Added
verify_attestation
Sept. 17, 2026, 12:41 p.m.
Added
screen_address_ofac
Sept. 17, 2026, 12:41 p.m.
Added
donate_to_community_fund
Sept. 17, 2026, 12:41 p.m.
Added
submit_grant_application
Sept. 17, 2026, 12:41 p.m.
Added
build_xrpl_transaction
Sept. 17, 2026, 12:41 p.m.
Added
list_xrpl_services
Sept. 17, 2026, 12:41 p.m.
Added
check_domain_eligibility
Sept. 17, 2026, 12:41 p.m.
Added
verify_mpt_registry
Sept. 17, 2026, 12:41 p.m.
Added
check_service_health
Sept. 17, 2026, 12:41 p.m.
Added
get_issuer_mpts
Sept. 17, 2026, 12:41 p.m.
Added
search_mpts
Sept. 17, 2026, 12:41 p.m.
Added
check_mpt_risk
Sept. 17, 2026, 12:41 p.m.
Added
get_issuer_credentials
Sept. 17, 2026, 12:41 p.m.
Added
get_account_credentials
Sept. 17, 2026, 12:41 p.m.
Added
check_xrpl_score
Sept. 17, 2026, 12:41 p.m.
Added
issue_score_credential
Sept. 17, 2026, 12:41 p.m.
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