XRP Ledger RPC Node
Global Payments

Connect to XRP Ledger, the blockchain purpose-built for payments and cross-border remittance. Experience 3-5 second settlement, minimal fees, and enterprise adoption.

20 M+

Requests per Day

99.99 %

Network Uptime

< 45 ms

Average Response Time

24/7

Technical Support

Specification XRP Ledger Network

Technical characteristics and available endpoints

XRP Ledger

Mainnet & Testnet Support

Network XRP Ledger (XRPL)
Protocol HTTPS / WSS
Uptime 99.99%
Settlement 3-5 seconds
Consensus Federated Byzantine Agreement
TPS 1,500+

XRP Ledger (XRPL) is a purpose-built blockchain for payments and cross-border value transfer, delivering 3-5 second transaction settlement with minimal fees (~$0.0002) through efficient Federated Byzantine Agreement consensus. Operating since 2012 with 99.99%+ uptime, XRPL processes 1,500+ transactions per second supporting global remittance, payment channels, decentralized exchange, and tokenization. Enterprise adoption spans financial institutions, payment providers, and banks leveraging XRPL for instant cross-border settlement. This creates production-grade infrastructure for real-world payment applications.

Key capabilities:

  • 3-5 second settlement finality
  • 1,500+ transactions per second
  • Minimal fees (~$0.0002 per transaction)
  • Federated Byzantine Agreement consensus
  • Built-in decentralized exchange
  • Payment channels for instant microtransactions
  • Token issuance and management
  • Enterprise payment adoption
  • 12+ years proven reliability

🔗 RPC Endpoints

HTTPS
https://rpc.crypto-chief.com/xrp/{YOUR_API_KEY}
WSS
wss://rpc.crypto-chief.com/xrp/ws/{YOUR_API_KEY}

Replace {YOUR_API_KEY} with your actual API key from the dashboard.

What is an XRP Ledger RPC Node?

Access payments infrastructure

An XRP Ledger RPC node provides applications with access to production-grade payment infrastructure operating continuously since 2012 with 99.99%+ uptime. XRPL specializes in value transfer — sending payments across borders, currency exchange, tokenizing assets, and enabling instant settlement. Unlike general-purpose blockchains trying to support every use case, XRPL focuses exclusively on payments and does it exceptionally well: 3-5 second finality, 1,500+ TPS throughput, $0.0002 average fees, and enterprise adoption from financial institutions requiring reliability.

Why payments need specialized blockchain

Traditional cross-border payments take 3-5 days and cost 6-8% in fees. General blockchain payments inherit platform limitations — slow finality, high costs, or scalability constraints. XRPL purpose-built for payments solves these problems: instant 3-5 second settlement, negligible fees, 1,500+ TPS supporting massive payment volumes. Banks, payment providers, and remittance companies use XRPL because it delivers production payment infrastructure impossible on general-purpose chains.

XRP Ledger advantages:

  • 3-5 second finality — instant payment settlement
  • 1,500+ TPS — handles massive payment volumes
  • $0.0002 fees — negligible transaction costs
  • 12+ years proven — continuous operation since 2012
  • Enterprise adoption — banks and payment providers
  • Payment-optimized — purpose-built for value transfer

Federated Byzantine Agreement

Federated Byzantine Agreement (FBA) is XRPL's consensus mechanism enabling 3-5 second finality without mining or staking. Validators form consensus through agreement among trusted validator lists (UNLs), reaching finality when supermajority agrees on transaction ordering. This approach provides faster finality than proof-of-work, better decentralization than delegated proof-of-stake, and lower energy consumption than mining-based chains. FBA enables payment-optimized performance impossible with slower consensus mechanisms.

How XRP Ledger consensus works:

  1. Validators propose candidate transaction sets
  2. Validators agree on transaction ordering through rounds of voting
  3. Supermajority agreement (80%+) reaches consensus
  4. Validated ledger closed and new ledger begins
  5. Process completes in 3-5 seconds achieving finality
  6. No mining required, extremely energy efficient

Enterprise payment adoption

XRPL sees real-world enterprise adoption — financial institutions, payment providers, and banks integrate XRPL for instant cross-border settlement, reducing costs and settlement times dramatically compared to traditional correspondent banking. Ripple's On-Demand Liquidity (ODL) uses XRP for instant currency conversion enabling real-time cross-border payments. This enterprise traction demonstrates XRPL's production-readiness for mission-critical payment infrastructure.

This infrastructure represents battle-tested payment blockchain with proven track record at enterprise scale.

Technical Documentation

Quick start for developers

Supported RPC Methods

XRP Ledger uses XRPL-specific JSON-RPC methods:

  • server_info — get server state and info
  • ledger — retrieve ledger data
  • account_info — query account balance and info
  • account_tx — get account transaction history
  • submit — submit signed transaction
  • tx — query transaction by hash
  • book_offers — get order book for DEX
  • subscribe — WebSocket event subscriptions

Code Examples

💻

JavaScript (xrpl.js) — XRP Payments:

const { Client, Wallet } = require('xrpl');

// Connect to XRP Ledger
const client = new Client('wss://rpc.crypto-chief.com/xrp/ws/YOUR_API_KEY');
await client.connect();

console.log('Connected to XRP Ledger');
const serverInfo = await client.request({ command: 'server_info' });
console.log('Ledger index:', serverInfo.result.info.validated_ledger.seq);

// Get account info
const accountAddress = 'rN7n7otQDd6FczFgLdlqtyMVrn3LNU183';
const accountInfo = await client.request({
  command: 'account_info',
  account: accountAddress,
  ledger_index: 'validated'
});

const xrpBalance = accountInfo.result.account_data.Balance / 1000000; // Convert drops to XRP
console.log('XRP Balance:', xrpBalance, 'XRP');

// Send instant payment (3-5 second settlement)
const wallet = Wallet.fromSeed('s...');
const payment = {
  TransactionType: 'Payment',
  Account: wallet.address,
  Destination: 'rPEPPER7kfTD9w2To4CQk6UCfuHM9c6GDY',
  Amount: '1000000', // 1 XRP in drops (1 XRP = 1,000,000 drops)
  Fee: '12' // ~$0.0002 fee
};

const prepared = await client.autofill(payment);
const signed = wallet.sign(prepared);
const result = await client.submitAndWait(signed.tx_blob);

console.log('Payment settled in 3-5 seconds!');
console.log('Transaction hash:', result.result.hash);
console.log('Fee paid:', result.result.Fee / 1000000, 'XRP (~$0.0002)');
console.log('Instant global payments achieved!');

await client.disconnect();
💻

Python (xrpl-py) — Cross-Border Remittance:

from xrpl.clients import JsonRpcClient
from xrpl.models.transactions import Payment
from xrpl.wallet import Wallet
from xrpl.transaction import submit_and_wait

# Connect to XRP Ledger
client = JsonRpcClient('https://rpc.crypto-chief.com/xrp/YOUR_API_KEY')

print('Connected to XRP Ledger')

# Create cross-border payment
wallet = Wallet.from_seed('s...')

# Send payment from US to recipient in another country
payment = Payment(
    account=wallet.address,
    destination='rPEPPER7kfTD9w2To4CQk6UCfuHM9c6GDY',
    amount='5000000',  # 5 XRP
    destination_tag=12345  # Optional tag for recipient identification
)

# Submit and wait for settlement
response = submit_and_wait(payment, client, wallet)

print('Cross-border payment completed!')
print(f'Transaction hash: {response.result["hash"]}')
print('Settlement time: 3-5 seconds')
print('No correspondent banks, no delays, minimal fees')
print('Real-time global remittance achieved!')

# Query transaction history
from xrpl.models.requests import AccountTx

tx_history = client.request(AccountTx(
    account=wallet.address,
    ledger_index_min=-1,
    ledger_index_max=-1,
    limit=10
))

print(f'\nRecent transactions: {len(tx_history.result["transactions"])}')
for tx in tx_history.result['transactions']:
    print(f'  - {tx["tx"]["TransactionType"]}: {tx["tx"]["hash"]}')
💻

WebSocket — Monitor Payments:

const { Client } = require('xrpl');

const client = new Client('wss://rpc.crypto-chief.com/xrp/ws/YOUR_API_KEY');
await client.connect();

console.log('Connected to XRP Ledger');

// Subscribe to ledger closes (every 3-5 seconds)
await client.request({
  command: 'subscribe',
  streams: ['ledger']
});

client.on('ledgerClosed', (ledger) => {
  console.log(`\n=== Ledger ${ledger.ledger_index} Closed ===`);
  console.log('Close time:', new Date(ledger.ledger_time * 1000 + 946684800000));
  console.log('Transactions:', ledger.txn_count);
  console.log('Settlement: 3-5 seconds');
});

// Subscribe to specific account payments
const monitoredAccount = 'rN7n7otQDd6FczFgLdlqtyMVrn3LNU183';
await client.request({
  command: 'subscribe',
  accounts: [monitoredAccount]
});

client.on('transaction', (tx) => {
  if (tx.transaction.TransactionType === 'Payment') {
    console.log('\n=== Payment Detected ===');
    console.log('From:', tx.transaction.Account);
    console.log('To:', tx.transaction.Destination);
    console.log('Amount:', parseInt(tx.transaction.Amount) / 1000000, 'XRP');
    console.log('Fee:', parseInt(tx.transaction.Fee) / 1000000, 'XRP');
    console.log('Status:', tx.meta.TransactionResult);
    console.log('Instant settlement in 3-5 seconds!');
  }
});

console.log('Monitoring XRP Ledger payments...');

XRP Ledger Best Practices

  • Payment Optimization: Design for instant 3-5 second settlement UX
  • Destination Tags: Use destination tags for recipient identification in exchanges/platforms
  • Fee Management: Set appropriate fees for reliable transaction processing
  • Account Reserves: Understand XRP reserve requirements for accounts and trust lines
  • Payment Channels: Leverage payment channels for high-frequency microtransactions
  • DEX Integration: Use built-in decentralized exchange for currency conversion
  • Testing: Thoroughly test on XRP Ledger testnet before mainnet deployment

Why choose us?

Payment infrastructure

Instant Settlement

Infrastructure delivering 3-5 second payment finality with <45ms RPC latency for real-time transfers.

Enterprise Reliability

Production infrastructure with 99.99% uptime and 12+ years continuous operation for mission-critical payments.

Payment Analytics

Comprehensive monitoring of payment volumes, DEX activity, remittance flows, and network metrics.

Global Infrastructure

Worldwide deployment supporting XRP Ledger's international payments and remittance ecosystem.

Payment Scaling

Infrastructure designed for 1,500+ TPS supporting massive global payment volumes.

Payment Experts

24/7 support from engineers specialized in XRPL, cross-border payments, and enterprise integration.

Examples of Use

Build payment solutions

XRP Ledger's payment-optimized infrastructure enables remittance platforms, payment applications, currency exchange, and enterprise financial services.

Cross-Border Remittance

Build remittance platforms with 3-5 second settlement replacing traditional 3-5 day international transfers.

Payment Applications

Create payment apps with instant settlement, minimal fees, and global reach for consumer and business payments.

Currency Exchange

Develop forex and currency exchange platforms leveraging XRPL's built-in decentralized exchange.

Banking Integration

Enable banks to offer instant cross-border settlement services using XRPL infrastructure.

Token Issuance

Issue stablecoins, fiat-backed tokens, or asset tokens leveraging XRPL's token management features.

Merchant Payment Systems

Build point-of-sale and e-commerce payment systems with instant settlement and low processing fees.

Got questions?
we are here to help

XRP Ledger is a purpose-built blockchain for payments delivering 3-5 second settlement, 1,500+ TPS, and $0.0002 transaction fees with 12+ years proven reliability.

XRP transactions achieve finality in 3-5 seconds, enabling instant payment settlement for real-time cross-border transfers and remittance.

FBA is XRPL's consensus mechanism where validators reach agreement through voting among trusted validator lists, achieving 3-5 second finality efficiently.

XRP transactions cost approximately $0.0002 (0.00012 XRP), making payments extremely affordable even at scale.

XRP serves as bridge currency for instant currency conversion in cross-border payments, transaction fees, and spam protection on XRP Ledger.

Yes! XRPL processes 1,500+ TPS with 99.99% uptime since 2012, supporting enterprise payment volumes from financial institutions.

Payment channels enable high-frequency microtransactions off-ledger with instant settlement, ideal for streaming payments and micropayments.

Yes, XRPL includes built-in decentralized exchange enabling instant currency conversion and trading without external platforms.

Yes, we provide RPC access to both XRP Ledger mainnet and testnet for payment application development and testing.

XRPL offers instant 3-5 second settlement, 1,500+ TPS, minimal fees, 12+ years proven reliability, and enterprise adoption making it ideal for payment applications.

Pricing that grows with your needs.

Free

Start building on Web3 — no credit card.

$0
  • 5 reqs/sec RPC
  • 5 reqs/min Unified API
  • Ultimate chains
  • WSS, Statistics
  • Community support

Pay for use

Flexible pay-as-you-go for any workload.

From $10
  • 400 reqs/sec RPC
  • 300 reqs/min Unified API
  • 10 reqs/min AML
  • EventStream
  • Ultimate chains
  • WSS, Whitelists, Statistics
  • Support portal

Subscription

From $500 monthly plus 20% extra value.

From $500
  • 700 reqs/sec RPC
  • 500 reqs/min Unified API
  • 5 reqs/sec AML
  • EventStream
  • Ultimate chains
  • WSS, Whitelists, Statistics
  • Support portal

Enterprise

Tailored solution for expert builders

Custom terms

All Subscription features plus:

  • Flexible rate limits
  • Engineering team support
  • Custom SLA
  • Personal manager