How x402 Payments Settle on the XRP Ledger
mcp-x402-xrpl is the reference x402 facilitator for the XRP Ledger and Xahau. An agent's payment middleware signs an XRPL transaction, the ledger confirms it in roughly three seconds, and the agent resubmits its original request with the transaction hash as proof — verified on-ledger by the server.
Quick facts
- Settlement time: ~3 seconds on both XRPL mainnet and Xahau mainnet.
- Currencies: XRP (native drops), RLUSD (IOU), and XAH (Xahau's native currency).
- Average fee: ~0.00001 XRP/XAH per transaction — several orders of magnitude below typical EVM gas fees.
- Testnets available:
xrpl-testnetandxahau-testnet, both free, for development. - Low-level class:
XrplFacilitatorexposes.pay(requirements)and.verify(proof, requirements)directly.
Frequently asked questions
How fast does an XRPL x402 payment confirm?
About 3 seconds, on both XRPL and Xahau mainnets — fast enough for an AI agent to pay and retry within a single request/response cycle.
Can I pay in RLUSD instead of XRP?
Yes. Pass currency: "RLUSD" and a human-readable amount (e.g. "0.10") instead of amountDrops. RLUSD settles with the same ~3 second finality as XRP.
Do I need to run my own XRPL node?
No. mcp-x402-xrpl connects to public XRPL cluster nodes (xrplcluster.com for mainnet, s.altnet.rippletest.net for testnet) automatically.
What does an XRPL x402 transaction cost?
Roughly 0.00001 XRP (a fraction of a cent) per transaction — the standard XRPL network fee.