Platform Architecture
Understand how XRPay's non-custodial engine processes payments securely without ever taking custody of your funds.
The Non-Custodial Model
Traditional payment processors act as custodians — they hold your funds in their accounts and issue payouts on a delay. XRPay flips this model on its head using the native properties of the XRP Ledger.
How it works:
- You connect your own self-hosted XRPL wallet (like Xaman or Ledger).
- When a customer pays, the funds go directly from their wallet to yours.
- XRPay monitors the blockchain using our proprietary ledger-sync engine.
- Once the transaction is validated (in 3-5 seconds), we instantly notify your store (via Webhooks/APIs) to mark the order as paid.
System Components
Ledger Sync Engine
Our high-throughput proprietary listener monitors the XRP Ledger for incoming transactions to your wallets in real-time.
Core Platform API
A robust, scalable API layer that handles multi-organization logic, user authentication, and secure data routing.
Secure Data Vault
Encrypted relational storage for your merchant configurations, historical invoices, CRM data, and immutable audit logs.
Asynchronous Event Processor
Background job processor for handling automated trial lifecycles, reliable webhook dispatching, and report generation without slowing down your checkout.
Bridge.xyz Integration
Seamless compliance and liquidity layer for KYB/KYC verification and direct-to-bank fiat off-ramping without manual intervention.
Hardware POS Bridge
Secure bridge that connects our browser-based Point of Sale directly to physical card terminals for in-person transactions.
Security & API Keys
Because XRPay is non-custodial, a compromised API key cannot be used to steal your funds. Your funds live on the blockchain, secured by your private keys, which XRPay never sees or asks for.
API keys are used exclusively for:
- Generating new checkout sessions and payment links.
- Querying historical transaction data for accounting.
- Managing your product catalog and B2B wholesale listings.