x402 Protocol • XRPL Mainnet

XRPL Wallet Risk Scorer

31-signal AI-powered wallet risk intelligence for the XRPL agent economy. Instant ALLOW / CHALLENGE / BLOCK verdicts, behavioral tags, and graph analysis via x402.

Every day, XRP holders and AI agents send funds to wallets they have never seen before. XRPL Risk Score reveals what is behind that address — sanctions history, scam patterns, wash trading, behavioral flags — before a single drop moves.

Live on XRPL Mainnet 🔒 1 XRP per full analysis ⚡ 0.1 XRP fast pre-check 🆕 Batch -20% · SDK · Playground 🔗 3 XRP compliance bundle 🏗️ 2 XRP wallet provisioner

Blind trust is the biggest risk in crypto.

🎭

Spoofed Wallets

Scammers create wallets that mimic legitimate addresses. One wrong character and your funds are gone.

🏦

Sanctions Exposure

Transacting with a sanctioned wallet — even unknowingly — creates legal and compliance risk for your organization.

🤖

Agent Blind Spots

AI agents execute transactions at machine speed with no built-in verification. Without a risk check, one bad address empties a wallet in seconds.

XRPL Risk Score gives you the intelligence to transact with confidence — for humans and AI agents alike.

Check a wallet

Free demo (3 checks per 24hrs) or pay with any XRPL wallet for unlimited access — no coding required.

✓ Free demo — 3 verdict-only checks per 24 hours across all check types. Full risk score, 31-signal breakdown, and reasoning require payment via x402 protocol (0.1 XRP and up). View integration guide →
0 of 3 free checks used this session
✨ Featured
✨ NEW 4 XRP

Your AI agent needs a wallet. One call. 4 XRP. Done.

POST/provision-wallet
  • Returns Fresh XRPL keypair + 2 XRP funding transfer — activated on mainnet, ready to transact
  • Funding 2 XRP transferred from service wallet to the new address
  • Best for AI agents that need a new XRPL wallet autonomously
  • Security Seed shown once — store immediately
  • Network xrpl:0 (Mainnet)
  • Protocol x402 v2
The only autonomous XRPL wallet provisioner. No signup. No API key. Pay once, get a funded wallet.

Endpoints

Eight endpoints. One purpose: protect every transaction before it happens.

No Code

🔲 NO CODE — Scan & Pay

QRWallet checker on this page
  • Step 1 Use the wallet checker on this page
  • Step 2 Select your check type and click "Pay with XRPL Wallet"
  • Step 3 Scan the QR with Xaman or any XRPL wallet
  • Result Appears automatically — no setup required
  • Setup None. No API keys, no account
Risk & Scoring
Is this wallet safe to transact with?
0.1 XRP

Quick Pre-Payment Check

GET/prescore/{walletAddress}
  • Returns ALLOW CHALLENGE BLOCK
  • Signals 3 fast signals
  • Speed < 3 seconds
  • Network xrpl:0 (Mainnet)
  • Protocol x402 v2
1 XRP

Full Risk Analysis

GET/score/{walletAddress}
  • Returns ALLOW CHALLENGE BLOCK
  • Description Returns verdict, behavioral tags, and full 31-signal breakdown. Add ?v=2 for sub-scores and graph analysis.
  • Signals 31 signals including sanctions + NFT phishing + memo phishing detection
  • Confidence HIGH / MEDIUM / LOW confidence rating
  • Network xrpl:0 (Mainnet)
  • Protocol x402 v2
From 8 XRP

Batch Scoring — 20% Off

POST/score-batch
  • Tier 1 Up to 10 wallets — 8 XRP
  • Tier 2 Up to 25 wallets — 20 XRP
  • Tier 3 Up to 50 wallets — 40 XRP
  • Per wallet 0.8 XRP (vs 1 XRP single)
  • Returns Array of verdicts + full breakdowns
Compliance
Is this wallet eligible for your protocol?
0.5 XRP

RWA Compliance Check

GET/rwa-check/{walletAddress}
  • Returns COMPLIANT
    REVIEW_REQUIRED
    NON_COMPLIANT
  • Description Real World Asset / RLUSD compliance screening
  • Signals RWA holdings, escrow activity, 0-100 score
  • Speed < 5 seconds
  • Network xrpl:0 (Mainnet)
  • Protocol x402 v2
0.5 XRP

Credential Check

GET/credential-check/{walletAddress}
  • Returns CREDENTIAL_READY
    REVIEW_REQUIRED
    CREDENTIAL_DENIED
  • Description Permissioned Domain credential screening
  • Signals Targeted institutional screening
  • Speed < 5 seconds
  • Network xrpl:0 (Mainnet)
  • Protocol x402 v2
0.5 XRP

Escrow Check XLS-85 Ready

GET/escrow-check/{walletAddress}
  • Returns ESCROW_SAFE
    ESCROW_REVIEW
    ESCROW_DENIED
  • Description Token Escrow counterparty screening
  • Signals Escrow history + behavioral analysis
  • Speed < 5 seconds
  • Network xrpl:0 (Mainnet)
  • Protocol x402 v2
3 XRP

Compliance Bundle

POST/compliance-bundle
  • Returns PASS REVIEW BLOCK
  • Includes Full risk score + RWA compliance + credential check
  • Returns Unified overall_verdict with per-check breakdown
  • Best for Pre-onboarding, fund release, agent gating
  • Network xrpl:0 (Mainnet)
  • Protocol x402 v2
  • Note 20% cheaper than running checks individually

Intelligence Layer — v2 API

Three new dimensions of wallet intelligence layered on top of the 31-signal score.

🏷️Behavioral Tags

Every score includes human-readable tags derived from on-chain signals. Risk tags fire first — established_wallet, wash_trading_detected, dust_wallet, sanctioned. Positive tags follow — trustline_holder, domain_verified, large_balance.

Included in every /score response

📊Sub-Scores

Four independent risk dimensions: velocity_risk, counterparty_risk, pattern_risk, and compliance_risk. Each scores 0–100. Know exactly what is driving the overall verdict.

Available with ?v=2

🕸️Graph Analysis

Network-level intelligence from transaction counterparty analysis. cluster_size, inflow_concentration, outflow_concentration, flagged_counterparties, and hops_to_flagged. The only XRPL scorer that sees the network, not just the wallet.

Available with ?v=2

How it works

1

Call the endpoint

Pass any XRPL wallet address as a URL parameter. Receive a 402 challenge with a fresh invoiceId.

2

Pay via x402

Sign a presigned XRPL Payment transaction embedding the invoiceId in the Memos field. Send it in the PAYMENT-SIGNATURE header.

3

Receive verdict

The x402 facilitator verifies and settles the payment on-chain. The service returns an instant ALLOW/CHALLENGE/BLOCK verdict with 31-signal breakdown.

Use Cases

🛡

DeFi & AMM Protection

Before allowing a wallet to provide liquidity to your AMM pool, verify it isn’t a known wash trader. A BLOCK verdict prevents market manipulation before it happens.

Prevents wash trading
💎

NFT & High-Value Transactions

Before processing a high-value NFT sale, check the buyer wallet risk. A CHALLENGE verdict triggers additional verification before funds move.

Protects high-value sales
🤖

AI Agent Commerce

Your autonomous agent discovers a new service on the x402 Bazaar. Before paying, call /prescore to verify the destination wallet in under 3 seconds. The 0.1 XRP check prevents costly mistakes.

Safe autonomous payments
🪚

Score Your Own Wallet

Before an AI agent signs a transaction or a wallet owner initiates a payment, run a self-check to see how your address appears to risk systems. Catch inherited reputation issues before they block you downstream.

Self-assessment
🏗️

Autonomous Agent Setup

Your AI agent needs a fresh XRPL wallet to start transacting. Call POST /provision-wallet once — get back a funded keypair (2 XRP transferred to the new wallet) ready for mainnet in seconds. No human setup required.

Full autonomy
Real World Asset Compliance

The compliance layer for
RWA tokenization on XRPL

As institutional assets move on-chain, issuers need to know exactly who is holding and trading their tokens. XRPL Risk Score gives you instant wallet intelligence before a single token changes hands.

🏢

RWA Issuer Compliance

Before allowing a wallet to hold your tokenized bond, T-bill, or fund share score it first. Instantly flag sanctioned wallets, suspicious counterparties, and high-risk behavior patterns before any token transfer is authorized.

For Issuers
🤖

AI Agent Verification

Autonomous agents transacting RWA tokens on XRPL need a verification layer. Integrate via MCP or direct API. Your agent scores the destination wallet and proceeds or halts automatically. No human in the loop.

For AI Agents

Integrate in minutes

Two ways to add XRPL wallet risk intelligence to your stack.

For AI Agents — Claude Desktop

Give Claude Desktop and any MCP-compatible agent pre-transaction XRPL wallet risk intelligence. 8 tools, one command.

npx -y @xrplriskscore/mcp xrplriskscore-mcp-setup

Then restart Claude Desktop.

Listed in the Official MCP Registry · Smithery · npm

Wallet risk score Quick pre-check Risk explanation RWA compliance Credential eligibility Escrow counterparty Endpoint directory Wallet provisioner
→ View on npm

For Developers — Node.js SDK

Official Node.js client — published on npm. Two lines of code to integrate. Handles x402 payment, XRPL signing, and facilitator settlement automatically.

// Install npm install @xrplriskscore/client xrpl // Use const { XrplRiskScoreClient } = require("@xrplriskscore/client"); const client = new XrplRiskScoreClient({ seed: process.env.XRPL_SEED }); const result = await client.score("rHb9CJ..."); const batch = await client.scoreBatch(["rA...", "rB...", "rC..."]);
→ Install from npm

Frequently Asked Questions

Everything people are asking about the service

No. Use the wallet checker on this page — enter any XRPL wallet address, select your check type, and click "Pay with XRPL Wallet". A QR code appears. Scan it with Xaman or any XRPL wallet app, approve the payment, and your result appears automatically. No coding, no API keys, no account needed.
We analyze 21 on-chain signals including account age, transaction velocity, wash trading detection, bot timing patterns, fan-out money laundering patterns, dormancy spikes, round number bias, rapid outflow detection, OFAC sanctions screening, and a known scam address database. Every signal contributes to a risk score from 0 to 100.
No account. No API key. No subscription. You pay per request in XRP using the x402 protocol. Your XRPL wallet IS your account. Payments settle automatically on-chain in seconds.
Any XRPL mainnet wallet address starting with r, between 25 and 35 characters. You can score any wallet including your own.
The quick pre-check at /prescore returns in under 3 seconds. The full 31-signal analysis at /score returns in under 10 seconds.
x402 is an open standard for machine-native payments over HTTP. When you call a paid endpoint the server returns HTTP 402 with payment instructions. Your client signs an XRPL transaction and retries with payment proof. No billing setup required — works for both humans and AI agents.
Yes. Use /demo/score and /demo/prescore for 3 free checks every 24 hours — no wallet needed. Same scoring engine as the paid API.
ALLOW means low risk (score 0–39) — no known risk indicators detected. CHALLENGE means medium risk (40–69) — proceed with caution and additional verification. BLOCK means high risk (70–100) — sanctions hit, confirmed wash trading, or serious behavioral flags detected.
Yes. Designed for autonomous AI agents. Call /prescore before any transaction to verify a destination wallet in under 3 seconds for 0.1 XRP. Also works as an MCP tool inside Claude and other MCP-compatible AI assistants.
Yes. The official Node.js client is @xrplriskscore/client. It handles the full x402 flow — the 402 challenge, XRPL Payment transaction signing, invoiceId Memo embedding, and facilitator settlement — so integrating is two lines of code. The source is MIT-licensed and on GitHub.
Yes, via the batch endpoint POST /score-batch. Three tiers: 10 wallets for 8 XRP, 25 for 20 XRP, 50 for 40 XRP. All tiers are 20% cheaper per wallet than single scoring. One payment, one call, all results.
Send an Idempotency-Key header with any paid request. If the same key is retried within 10 minutes for the same wallet, we return the cached response without charging again. Critical for production workflows where network drops or retries could otherwise cause duplicate payments.
No. Risk scores are informational signals based on on-chain data. They inform your decision — they do not make it. You are solely responsible for your transaction decisions. xrplriskscore.ai accepts no liability for losses arising from reliance on these scores.

Risk scores inform decisions — they don’t make them

xrplriskscore.ai analyzes on-chain behavior and returns a risk signal. What you do with that signal is entirely your decision. A BLOCK verdict means our system detected serious risk flags — but you choose whether to proceed. An ALLOW verdict means no known risk indicators were detected at the time of scoring — it is not a guarantee of safety. Think of it like a weather forecast: useful intelligence, not a certainty.

⚖ Disclaimer: xrplriskscore.ai provides on-chain risk intelligence for informational purposes only. Nothing on this site or returned by this API constitutes financial advice, legal advice, or a recommendation to transact or not transact with any wallet. Scores are based on publicly available on-chain data and known signals at the time of the request. Past on-chain behavior does not guarantee future conduct. You are solely responsible for your own transaction decisions. xrplriskscore.ai accepts no liability for losses arising from reliance on these scores.

Built on XRPL Mainnet · Powered by x402 Protocol · No accounts · No API keys · Pay per use