XRP Ledger Now Supported on Fordefi
Fordefi now supports the XRP Ledger. Institutions can hold and move XRP and Trust Line Assets from Fordefi vaults on XRPL Mainnet, with policy controls and MPC signing on every transfer.
Trust Line Assets are the XRP Ledger’s issuer-based tokens, identified by a currency code and an issuing account. They behave differently from EVM tokens in a way that matters for operations. An account can only receive a Trust Line Asset after it opens a trust line for that asset, and a standard payment to an account without one fails. Fordefi built its XRPL support around handling that difference automatically.
Automatic Checks for missing trust lines
When you send a Trust Line Asset, Fordefi checks the recipient’s trust lines before building the transaction. If the trust line exists, Fordefi sends a standard payment. If it doesn’t, Fordefi creates a Check, the XRP Ledger’s deferred payment object, which appears in Fordefi as a claimable balance.
Your funds stay in your vault until the recipient opens a trust line and cashes the Check. A 0.2 XRP owner reserve locks on the sending account until then. The flow runs automatically, and API requests use the same body as any other transfer, so existing integrations need no changes. The XRP Ledger does not allow canceling a Check once created; recipients cash it or it expires.
Cash Checks from the UI or API
When your vault receives a Check, the transaction feed shows it with a Cash Check action, and you can filter history by claimed and unclaimed to find pending Checks. Developers cash Checks through the API by referencing the originating transaction.
Get Trey Archambeau’s stories in your inbox
Join Medium for free to get updates from this writer.
If your vault lacks a trust line for the incoming asset, Fordefi prepends a TrustSet transaction so the cash succeeds. That produces two ledger transactions, each with its own fee, presented to the signer as a single flow with one mobile signature.
Trust lines with safe defaults
Fordefi exposes a dedicated transaction type for opening trust lines, built on the XRP Ledger’s TrustSet transaction. Fordefi always sets the limit to the protocol maximum, so a trust line never blocks an expected deposit.
Every account Fordefi creates keeps rippling off. DefaultRipple stays disabled at account creation, so every trust line the account opens carries the NoRipple flag. Balances never shift through your account between third parties, and there is no per-trust-line setting to manage.
Fees set by simulation
Fordefi determines XRPL fees automatically. Before broadcasting, Fordefi simulates each transaction against an XRP Ledger node and applies the fee the node returns, which tracks current network conditions. When no valid simulated fee exists, such as a CheckCash that depends on a preceding TrustSet, Fordefi falls back to 12 drops. Flows that submit multiple transactions incur a separately determined fee for each one, paid in drops at 1 XRP to 1,000,000 drops.
Policy checks on every XRPL transaction
XRPL transactions run through the same lifecycle as every other transaction on Fordefi. Policy rules evaluate the transfer at creation, designated approvers review it, MPC signing completes it, and the console tracks it from pending through completed.
Recovery from day one
Fordefi generates keys with MPC, so recovered key material may not load directly into standard XRPL wallets. The Fordefi Recovery Tool closes that gap with a command that moves both Trust Line Assets and native XRP out of recovered wallets. Transfer Trust Line Assets first and native XRP last, since XRP pays the fees and maintains the account reserve for the remaining transfers. The destination account needs its own trust line for each asset; the tool does not establish one.
XRP Ledger support is live for all Fordefi customers today.
