{
  "markdown": "# XRPLHub.io\n\n**On-chain creditworthiness for the XRP Ledger.** XRPLHub gives any XRPL wallet a\n300–850 credit-style score (**XRPLScore**) computed from 8 public-ledger signals,\nsells ready-to-sign prebuilt XRPL transactions for 35 actions, issues signed\nverifiable score credentials, and runs an on-chain community micro-grant fund.\n\n- **Live app:** https://www.xrplhub.io\n- **The wallet score is free and unauthenticated.** Paid actions settle in **XRP or RLUSD** — no account, no signup.\n- Next.js + TypeScript on Vercel · Neon Postgres (Prisma) · Xaman (XUMM) for signing.\n\nThe production app is the Next.js project in [`kreditkarma-backend/`](./kreditkarma-backend).\n\n---\n\n## XRPLScore\n\nA 300–850 number on an **absolute scale** (like FICO — not a percentile that\ndrifts with the population), from 8 signals:\n\n| Signal | What it measures |\n|---|---|\n| Account age | Age from the wallet's genuine first transaction |\n| Transaction activity | Lifetime on-chain activity (log curve, no cap) |\n| Financial health | Spendable XRP + buffer above the real reserve line |\n| Token engagement | Trust lines to issued assets |\n| DEX activity | Order history on the native DEX |\n| AMM participation | Liquidity-pool activity |\n| Security config | Multisig, regular key, domain, escrow |\n| NFT activity | NFT portfolio + trading |\n\nThe same number is returned everywhere: the public site, the free endpoint, the\npaid API, the x402 endpoints, and the MCP server.\n\n```bash\n# Free, no key, any wallet:\ncurl https://www.xrplhub.io/api/score/rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De\n```\n\n---\n\n## For AI agents\n\n### MCP server\n\nStreamable HTTP, JSON-RPC 2.0, no auth.\n\n```\nhttps://www.xrplhub.io/api/mcp\n```\n\n```bash\nclaude mcp add xrplhub --url https://www.xrplhub.io/api/mcp\n```\n\n| Tool | What you get | Cost |\n|---|---|---|\n| `check_xrpl_score` | 300–850 score, grade, percentile, 8-signal breakdown, tips. Param: `wallet_address`. | free |\n| `list_xrpl_services` | All 35 `build_xrpl_transaction` actions, each with params + examples. No params. | free |\n| `build_xrpl_transaction` | Ready-to-sign txjson for one of 35 XRPL actions. Params: `product_id`, `wallet_address`, `params`. | free |\n| `issue_score_credential` | Signed, tamper-evident score certificate + public verify URL, 90 days. Params: `wallet_address`, `currency`, `uuid`. | 1 XRP / 1 RLUSD |\n| `submit_grant_application` | Apply for a 1–100 RLUSD community micro-grant. Params: `wallet_address`, `category`, `amount`, `description`. | free |\n| `donate_to_community_fund` | Donate XRP or RLUSD to the grant treasury. Params: `amount`, `currency`, `donor_wallet`, `message`. | free |\n\nThe transaction tools return an **unsigned txjson** — the wallet owner signs it in\ntheir own wallet. XRPLHub never signs for anyone.\n\n### x402 (pay-per-call, RLUSD, no signup)\n\n- Discovery: https://www.xrplhub.io/.well-known/x402\n- OpenAPI 3.1: https://www.xrplhub.io/openapi.json\n- `GET /api/x402/score?wallet=r...` — 300–850 score + 8 signals\n- `GET /api/x402/report?wallet=r...` — score + risk flags + recommendations + on-chain snapshot\n- `GET /api/x402/tx?productId=<id>&account=r...` — one prebuilt XRPL transaction (35 actions)\n\n### llms.txt\n\nhttps://www.xrplhub.io/llms.txt\n\n---\n\n## B2B API (subscription)\n\nBuy a key at https://www.xrplhub.io/pricing — pay in **XRP or RLUSD**, connect\nXaman and sign (no address typing), no signup.\n\n```bash\ncurl -H \"Authorization: Bearer xrs_live_...\" \\\n  \"https://www.xrplhub.io/api/v1/score?wallet=rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De\"\n```\n\n| Plan | Price | Included | Rate limit |\n|---|---|---|---|\n| Free | $0 | 500 scored calls/mo | 15 req/min |\n| Starter | $29/mo | 10,000 | 60 req/min |\n| Growth | $149/mo | 100,000 (overage billed) | 300 req/min |\n| Scale | $499/mo | 1,000,000 (overage billed) | 1,000 req/min |\n\n---\n\n## Community grants\n\nDonate XRP or RLUSD to the treasury; anyone can apply for a 1–100 RLUSD\nmicro-grant (rent, utilities, groceries, medical, transport, childcare). AI\ntriages each application, a human approves, and approved funds go straight to the\napplicant's wallet. Every donation and payout is on-ledger.\n\nTreasury: `rs59g3amo5iT6T64Cg96XXMAWuw3WPQcLF` ·\n[view on XRPScan](https://xrpscan.com/account/rs59g3amo5iT6T64Cg96XXMAWuw3WPQcLF)\n\n---\n\n## Development\n\n```bash\ncd kreditkarma-backend\nnpm install\ncp .env.example .env   # fill in the values\nnpx prisma generate\nnpm run dev\n```\n\nSee [`kreditkarma-backend/.env.example`](./kreditkarma-backend/.env.example) for\nevery environment variable the app reads.\n\n---\n\n## Links\n\n- Site: https://www.xrplhub.io\n- Pricing: https://www.xrplhub.io/pricing\n- OpenAPI: https://www.xrplhub.io/openapi.json\n- x402 discovery: https://www.xrplhub.io/.well-known/x402\n- MCP: https://www.xrplhub.io/api/mcp\n- Contact: support@xrplhub.io\n",
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}