Accept XRP and RLUSD direct to your own XRPL wallet through XODIAK settlement. Every payment is verified on the XRP Ledger itself, with a proof record written on every settlement. No auto conversion: you receive the asset the guest sent. Bitcoin, Lightning, and Solana acceptance are in build and are labeled as such below.
This page states the real status of every rail, as of October 31, 2026. Live means verified end to end on the production system. Anything else is labeled with its actual stage.
Guests pay in XRP to an XRPL address you own and control. The payment record carries a destination tag and memo so the payment is matched to the check it paid.
RLUSD, Ripple's dollar stablecoin, is accepted on the same rail. The watcher checks the exact RLUSD issuer, so a lookalike token does not count as payment.
The watcher reads the delivered amount from the transaction itself on the XRP Ledger. Partial or mismatched payments are flagged, never auto accepted. Every verified payment writes a proof record.
Merchant onboarding, address registration, payment links, and signed payment webhooks run through the Digital Merchant Hub. Onboarding is opening in stages; ask for current availability for your location.
The Solana watcher is built on the same pattern, with reference key matching and exact mint checks. It is in devnet testing today, and mainnet stays off until its live proof completes.
Bitcoin and Lightning acceptance is planned through our own self-hosted BTCPay Server, with no third party processor in the middle. It is not live yet, and no date is promised on this page.
Once an XRPL payment is verified on the ledger, it is final. There is no processor dispute pull and no chargeback window. Refunds are separate payments you initiate and control.
Every verified payment leaves a record with the transaction hash, amount, asset, and time, tied to the order. The record is checkable by anyone on the public XRP Ledger.
The platform never holds or controls merchant funds, coins, or keys. Payments move wallet to wallet on the ledger. The platform watches, verifies, and records.
Stated plainly because other pages in this industry hide it: there is no conversion rail today. You receive the asset sent. Converting to dollars happens in your own exchange account, under your control.
The live XRPL flow, exactly as it runs today.
Payments go to a wallet you control, and you hold the keys. There is no platform wallet holding your takings, and no seed phrase ever touches our system.
The system creates a payment record for your address with a destination tag and memo, and gives you a link or QR for the check. The tag and memo are how the payment gets matched to the right order.
The guest scans, confirms the amount in their own wallet, and sends XRP or RLUSD with the tag and memo shown. Any wallet that can send on the XRP Ledger works.
The watcher checks the transaction on the XRP Ledger and reads the delivered amount from the transaction itself. Exact match verifies. Anything partial or mismatched is flagged for a human, never auto accepted.
The settlement record, with hash, amount, asset, and time, sits next to the order. Your accountant gets the ledger record and the order record together.
xRESTAURANTx modules are not sold separately. Bundle everything, you pay one flat rate keyed to your restaurant's size, not a per-module upsell.
Scenarios the live XRPL rail is built for, stated as fits, not as customer claims.
A guest who keeps XRP in their own wallet pays the check from that wallet, direct to the house wallet, with the payment verified on the ledger before the table leaves.
A payment link on the checkout lets a guest pay in RLUSD, a dollar stablecoin, so the amount that lands matches the amount on the check without a card in the middle.
Some operators want payment infrastructure that no processor can switch off or reprice overnight. Wallet to wallet settlement on a public ledger is that shape: the platform verifies and records, and never sits on the money.
You need your own XRPL wallet, because payments settle direct to it and you hold your own keys. The platform never holds or controls your funds, coins, or keys.
XRP and RLUSD on the XRP Ledger. The Solana watcher for SOL and USDC is built and in devnet testing, with mainnet off until its live proof completes. Bitcoin and Lightning are on the roadmap through our own self-hosted BTCPay Server and are not live yet.
No. No auto conversion exists today. You receive the asset the guest sent, in your own wallet. If you want dollars, you move the asset to your own exchange account and sell it there.
You hold the asset you receive, so its price is yours from the moment it lands. RLUSD is a dollar stablecoin issued by Ripple. XRP moves with the market. There is no conversion rail absorbing price moves, and this page will not pretend otherwise.
Final. Once an XRPL payment is verified on the ledger, it cannot be charged back. If you need to refund a guest, you send a separate payment, which you initiate and control.
Every verified payment writes a settlement record with the transaction hash, the amount and asset received, and the time, tied to the order. That record is your audit trail and is checkable on the public XRP Ledger.
xRESTAURANTx modules are designed to work together. These three are the ones most operators use alongside Crypto Acceptance.
This page is free to reprint with attribution to https://xrestaurantx.com. Copy the text, paste it into your operator newsletter, franchise handbook, or vendor briefing. Just keep the attribution line and the link back to the source.
Book a 20-minute demo. We will walk the live XRPL rail end to end: payment link, guest payment, ledger verification, proof record. You watch the whole loop and ask any question that comes up.