XRPay
Non-custodial digital asset payment rails for modern enterprise.
What needs solving?
Traditional payment processors charge 1.5% to 3.5% per transaction, hold merchant funds for days, and carry massive chargeback fraud risks. Existing custodial crypto processors add middleman fees and require you to trust them with your private keys.
How XRPay delivers
XRPay settles payments directly on the XRP Ledger in 3-5 seconds. By operating in a completely non-custodial model, merchant funds bypass intermediaries and route directly to their own secure ledger accounts, with near-zero transaction fees and zero chargeback risks.
System Specs
Key Capabilities
- //Direct XRP & RLUSD payments without intermediaries
- //Instant settlement on the XRP Ledger (3-5 seconds)
- //Non-custodial architecture (your keys, your funds)
- //Automated destination tag leasing and tracking
- //Cryptographically signed webhook notification system
Tech Stack
XRPay utilizes a robust event-driven microservices architecture. It maintains persistent websocket connections to public ripple-d nodes to listen to ledger updates. When a payment intent is created, a unique destination tag is leased. The transaction listener filters incoming transactions for the specified destination tag and payment amount. Once detected, the transaction is validated for cryptographic ledger finality and a webhook payload is securely signed (HMAC-SHA256) and fired to the merchant's API.
Ready to Build
Something Real?
Stop waiting on bloated agencies. We deploy senior engineering teams that ship production-ready systems in weeks, not months.
- ARCHITECTURE SCALABLE
- SECURITY ENTERPRISE
- PERFORMANCE OPTIMIZED
- STATUS AWAITING_INPUT