XRPLHub.io

On-chain creditworthiness for the XRP Ledger. XRPLHub gives any XRPL wallet a 300–850 credit-style score (XRPLScore) computed from 8 public-ledger signals, sells ready-to-sign prebuilt XRPL transactions for 35 actions, issues signed verifiable score credentials, and runs an on-chain community micro-grant fund.

Live app: https://www.xrplhub.io
The wallet score is free and unauthenticated. Paid actions settle in XRP or RLUSD — no account, no signup.
Next.js + TypeScript on Vercel · Neon Postgres (Prisma) · Xaman (XUMM) for signing.

The production app is the Next.js project in kreditkarma-backend/.

XRPLScore

A 300–850 number on an absolute scale (like FICO — not a percentile that drifts with the population), from 8 signals:

Signal	What it measures
Account age	Age from the wallet's genuine first transaction
Transaction activity	Lifetime on-chain activity (log curve, no cap)
Financial health	Spendable XRP + buffer above the real reserve line
Token engagement	Trust lines to issued assets
DEX activity	Order history on the native DEX
AMM participation	Liquidity-pool activity
Security config	Multisig, regular key, domain, escrow
NFT activity	NFT portfolio + trading

The same number is returned everywhere: the public site, the free endpoint, the paid API, the x402 endpoints, and the MCP server.

# Free, no key, any wallet:
curl https://www.xrplhub.io/api/score/rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De

For AI agents

MCP server

Streamable HTTP, JSON-RPC 2.0, no auth.

https://www.xrplhub.io/api/mcp

claude mcp add xrplhub --url https://www.xrplhub.io/api/mcp

Tool	What you get	Cost
`check_xrpl_score`	300–850 score, grade, percentile, 8-signal breakdown, tips. Param: `wallet_address`.	free
`list_xrpl_services`	All 35 `build_xrpl_transaction` actions, each with params + examples. No params.	free
`build_xrpl_transaction`	Ready-to-sign txjson for one of 35 XRPL actions. Params: `product_id`, `wallet_address`, `params`.	free
`issue_score_credential`	Signed, tamper-evident score certificate + public verify URL, 90 days. Params: `wallet_address`, `currency`, `uuid`.	1 XRP / 1 RLUSD
`submit_grant_application`	Apply for a 1–100 RLUSD community micro-grant. Params: `wallet_address`, `category`, `amount`, `description`.	free
`donate_to_community_fund`	Donate XRP or RLUSD to the grant treasury. Params: `amount`, `currency`, `donor_wallet`, `message`.	free

The transaction tools return an unsigned txjson — the wallet owner signs it in their own wallet. XRPLHub never signs for anyone.

x402 (pay-per-call, RLUSD, no signup)

Discovery: https://www.xrplhub.io/.well-known/x402
OpenAPI 3.1: https://www.xrplhub.io/openapi.json
GET /api/x402/score?wallet=r... — 300–850 score + 8 signals
GET /api/x402/report?wallet=r... — score + risk flags + recommendations + on-chain snapshot
GET /api/x402/tx?productId=<id>&account=r... — one prebuilt XRPL transaction (35 actions)

llms.txt

https://www.xrplhub.io/llms.txt

B2B API (subscription)

Buy a key at https://www.xrplhub.io/pricing — pay in XRP or RLUSD, connect Xaman and sign (no address typing), no signup.

curl -H "Authorization: Bearer xrs_live_..." \
  "https://www.xrplhub.io/api/v1/score?wallet=rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De"

Plan	Price	Included	Rate limit
Free	$0	500 scored calls/mo	15 req/min
Starter	$29/mo	10,000	60 req/min
Growth	$149/mo	100,000 (overage billed)	300 req/min
Scale	$499/mo	1,000,000 (overage billed)	1,000 req/min

Community grants

Donate XRP or RLUSD to the treasury; anyone can apply for a 1–100 RLUSD micro-grant (rent, utilities, groceries, medical, transport, childcare). AI triages each application, a human approves, and approved funds go straight to the applicant's wallet. Every donation and payout is on-ledger.

Treasury: rs59g3amo5iT6T64Cg96XXMAWuw3WPQcLF · view on XRPScan

Development

cd kreditkarma-backend
npm install
cp .env.example .env   # fill in the values
npx prisma generate
npm run dev

See kreditkarma-backend/.env.example for every environment variable the app reads.

XRPLHub — XRPLScore & XRPL actions