Methodology • xrplriskscore.ai

How Risk Scores Work

A plain-English walkthrough of the signals, categories, and verdict bands behind every wallet analysis.

What this service does

xrplriskscore.ai analyzes XRPL wallet addresses and produces a risk score from 0–100, together with an ALLOW, CHALLENGE, or BLOCK verdict, before a transaction is made. The service is designed to inform your decisions — not to make them for you. You stay in control; we give you a read on what the chain already knows.

Signal categories

Each score is built from roughly 31 signals, grouped into 7 categories. We don’t publish weights, exact thresholds, or sub-signal counts — that would let bad actors game the system — but here’s what each category measures.

Account Age & History

How long the account has been active and its baseline activity level.

Transaction Velocity

Unusual spikes or patterns in send/receive frequency.

Counterparty Diversity

Whether the wallet transacts with a broad or narrow set of addresses.

Wash Trading & Market Manipulation

Circular trades, artificial volume, coordinated DEX activity.

Drainer & Pass-Through Patterns

Rapid fund forwarding or wallet-emptying behavior.

NFT Phishing Patterns

Malicious NFT offer structures commonly used in scams.

Memo Phishing Patterns

Deceptive text in transaction memos designed to trick recipients.

Verdict bands

ALLOW
Score 0–30

Low risk. Proceed with normal caution.

CHALLENGE
Score 31–60

Elevated risk. Verify identity or use escrow before transacting.

BLOCK
Score 61–100

High risk. Do not transact.

v2 response schema

All responses use the v2 schema.

risk_categorystring
Label for the dominant risk type — e.g. "wash_trading", "drainer", "clean".
recommended_actionobject
Object with action (string) and reason (string) describing the suggested next step.
cache_ttl_secondsinteger
How long this score is considered valid. Re-score after the TTL expires.

What we don’t claim

Important limitations

  • This service informs but does not make transaction decisions.
  • ALLOW does not guarantee a wallet is safe — it reflects current on-chain data only.
  • Verdicts are based on observable blockchain behavior, not identity verification.
  • This is not a custodial tool, legal compliance product, or KYC service.

Next steps

Try it in the Playground View OpenAPI Spec Back to Home