x402-xrpl-settlement-adapter

Strict server-side settlement verifier for x402 v2 on XRPL.

This package verifies that a client actually fulfilled an x402 Payment Required challenge on the XRP Ledger. It is designed for backend services that need strong guarantees around on-ledger settlement.

Unlike generic SDKs, this adapter focuses on security and determinism, enforcing:

• Exact amount matching (XRP drops or IOU value)
• Exact currency + issuer matching (for IOUs / RLUSD)
• Memo binding to paymentId
• Replay protection (paymentId ↔ txHash invariant)
• Rejection of partial payments
• Rejection of path payments (Paths / SendMax / DeliverMin)
• Safe-mode enforcement (no DestinationTag support)

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What This Is

Strict server-side settlement verifier for x402 v2 payments on XRPL (XRP & issued tokens such as RLUSD). Validates presigned XRPL Payment transactions and enforces deterministic settlement rules for HTTP 402 flows.

Designed for:

• API gateways
• Payment middleware
• Backend services issuing x402 challenges
• Infrastructure providers integrating XRPL as a settlement layer

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What This Is NOT

• Not a wallet SDK
• Not a signing library
• Not a presigned transaction builder
• Not a client-side payment helper

This is the server-side enforcement layer.

Quick start

pnpm install
pnpm dev

Scripts

• pnpm dev — run src/index.ts with tsx
• pnpm build — bundle and emit types to dist/ with tsup
• pnpm format — format all files with Prettier
• pnpm format:check — verify formatting without writing changes
• pnpm test — run settlement adapter tests

Usage example

import {
  InMemoryReplayStore,
  buildXrplMemo,
  createChallenge,
  encodeReceiptHeader,
  verifySettlement,
  type FetchTransaction,
} from "./src/index.js";

const challenge = createChallenge({
  network: "xrpl:testnet",
  amount: "2.5",
  asset: { kind: "XRP" },
  destination: "rDestinationAddress...",
  expiresAt: "2026-02-17T12:00:00Z",
  paymentId: "01JABCXYZPAYMENTID",
});

const xrplMemo = buildXrplMemo(challenge);
console.log("Attach this memo to your XRPL Payment:", xrplMemo);

const receiptHeaderValue = encodeReceiptHeader({
  network: challenge.network,
  txHash: "ABCDEF123...",
  paymentId: challenge.paymentId,
});

const fetchTransaction: FetchTransaction = async () => ({
  validated: true,
  TransactionType: "Payment",
  Destination: challenge.destination,
  // XRP is represented in drops on XRPL.
  Amount: "2500000",
  Memos: [xrplMemo],
});

const replayStore = new InMemoryReplayStore();

const result = await verifySettlement({
  challenge,
  receiptHeaderValue,
  fetchTransaction,
  replayStore,
});

console.log(result);
// { ok: true, idempotent: false, receipt: { ... } }

Second call with the same paymentId + txHash returns idempotent success.