The full upstream README, mirrored here for reference. Install config, tool schemas, adoption signals, and an original overview live on the XRPLHub — XRPLScore & XRPL actions listing page.
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.
The production app is the Next.js project in kreditkarma-backend/.
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.
Streamable HTTP, JSON-RPC 2.0, no auth.
| 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.
GET /api/x402/score?wallet=r... — 300–850 score + 8 signalsGET /api/x402/report?wallet=r... — score + risk flags + recommendations + on-chain snapshotGET /api/x402/tx?productId=<id>&account=r... — one prebuilt XRPL transaction (35 actions)https://www.xrplhub.io/llms.txt
Buy a key at https://www.xrplhub.io/pricing — pay in XRP or RLUSD, connect Xaman and sign (no address typing), no signup.
| 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 |
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
See kreditkarma-backend/.env.example for
every environment variable the app reads.