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
API routes authenticate organization access and create or query checkout, customer, product, invoice, transaction, and webhook records.
Secure Data Vault
Relational storage for merchant configuration, invoices, CRM records, and audit events, with supported integration credentials encrypted at rest.
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
Provider integration for eligible identity verification, virtual-account, card, collection, and bank-payout workflows.
Hardware POS Bridge
Connects the browser-based Point of Sale to configured Stripe Terminal readers for in-person card transactions.
Security & API Keys
API keys authorize organization-scoped application actions and must be protected like other production credentials. Direct XRPL payments settle to the wallet configured for the transaction, but provider-backed and operational-wallet features have separate security boundaries.
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.