Built on the XRP Ledger · No merchant account required
A QR code on your counter. A customer scans. XRP settles to your wallet in three seconds. That's it. No Stripe. No Visa. No three-day settlement delay.
Who it's for
Whether you're selling coffee, accepting payments, or holding a node for your territory — there's a place for you in this.
You sell goods or services. You want to accept payment without giving Visa 2.9% of every transaction.
You hold XRP. You want to spend it in the real world — at a café, a market stall, a retailer.
You want to hold your area's place in the geographic directory, and help bring local commerce onto it.
For merchants
No integration project. No developer. No bank approval process.
Free non-custodial XRP wallet. Your funds go directly to your wallet — the platform never touches them.
Add each product or service to the platform. Set the price in XRP. Each listing gets a QR code.
Print or display the QR codes next to your products. On a sign, a menu card, a screen, a label — your choice.
They scan. They see the product and price. They confirm in Xaman. XRP arrives in your wallet in three seconds.
Your Xaman history is your till receipt, bank statement, and accounting record. Public, permanent, exportable.
The economics
For a transaction under £2, card networks are economically unviable. XRPL removes the floor entirely.
| Payment method | £5 transaction | £0.50 transaction | £0.05 transaction |
|---|---|---|---|
| Visa / Mastercard | ~22p (1.5% + 20p) | 20–30p minimum — exceeds the transaction | Not viable |
| PayPal | ~37p (3.4% + 20p) | 20p minimum | Not viable |
| PayWithXRP | ~5p (planned 1% fee) | 0.5p | 0.05p |
| XRPL base fee (network cost) | £0.000006 | £0.000006 | £0.000006 |
The planned PayWithXRP platform fee (~1% total) is designed to be distributed across node owners in the geographic hierarchy as a discretionary loyalty reward — not extracted by the platform. It is not a ledger transfer fee, and how merchant activity will feed node allocations is still being designed; today a payment carries only the XRPL base fee. The platform takes no fixed minimum.
Micropayments — museum exhibits, street performers, per-minute parking, per-article news — are economically viable for the first time. No card network can make money on a 5p transaction. XRPL costs £0.000006.
The ownership model
The geographic hierarchy is made of ownable, transferable positions. The platform distributes an allocation to each node from the transfer fees on NFU resales in its territory.
Districts. Counties. Countries. Each geographic node is an NFU on the XRP Ledger. Once claimed, it's yours, and its history stays on the public ledger.
Your district node receives an allocation from Collectors Emporium resales in your territory today; the platform is designed to include PayWithXRP merchant activity once that mode launches.
The XRP Ledger itself collects the transfer fee on every NFU resale made on the ledger. The platform then distributes the percentages as a discretionary loyalty reward, and every payment is recorded publicly on the ledger for anyone to check.
A district's transaction history is there for any buyer to check for themselves, and its resale value rests on that public on-ledger history, never a projection. The ledger provides irrefutable proof. No fabricated numbers — the chain IS the accounts.
PayWithXRP is in development and runs in testnet mode — test listings are on the test network only, and no real XRP is spent or transacted. Follow @paym8s for territory availability, beta updates, and the first merchant launch announcements.