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FinancialMCP serverFirst audited Nov 13, 2026

XRPL-Utilities

XRPL data tools for AI agents: wallet classifier, signals, RWA tracker, ETF flows. Pay via x402.The vendor's description, from its MCP Registry listing.

Passed, with 1 warningAudited Nov 13, 2026
  • Warning: 64 of 64 tools do not say whether they can change things.

Nothing failed, but there is something to know or fix. Public audit: we connect as an AI client would, list the tools and check what they say. We do not run them. How we audit

Does it work?
YesConnected in 262 ms.
Sign-up?
None neededIt answered without any account or key.
Can it change things?
Doesn't sayIts tools do not say whether they only read, so treat them as able to change things.
Endpointhttps://mcp.xrpl-utilities.io/mcp

Source code Website Streamable HTTP · protocol 2025-11-25 · server version 0.2.244

What we checked, the evidence, and the tools it offers.

What we checked

Security

  • Passed: Connections are encrypted (HTTPS).

  • Passed: No hidden instructions found in tool text.

Safety labels

  • Warning: 64 of 64 tools do not say whether they can change things.

    MCP lets a server label each tool as read-only or destructive, so clients can ask the user before risky calls. Unlabelled tools are treated as able to change things.

    • xrpl_sentinel_scan
    • xrpl_sentinel_scan_history
    • xrpl_sentinel_verify_origin
    • xrpl_pulse_recent_events
    • xrpl_pulse_events_by_address
    • xrpl_pulse_stream_purchase
    • xrpl_pulse_ripple_counterparties
    • xrpl_pulse_ripple_topology
    • and 56 more

Tools

  • Passed: 64 tools listed.

  • Passed: Every tool describes its inputs with a valid schema.

Protocol

  • Passed: The MCP handshake works (Streamable HTTP).

  • Passed: Protocol version 2025-11-25 (latest).

  • Passed: Unknown requests are refused.

Connection

  • Passed: The server responds.

Tools (64)

As the server describes them. The labels are the server's own: it says whether each tool only reads or can change things.

  • xrpl_sentinel_scanPaid ($0.10 USD). Classify an XRPL wallet by on-chain activity pattern. Returns activity_score (0-100), activity_level, confidence, behavioral signals, top counterparties, and AI reasoning.Doesn't say
  • xrpl_sentinel_scan_historyPaid ($0.10 USD). Return up to 25 prior recorded scans for an address to read score trajectory over time.Doesn't say
  • xrpl_sentinel_verify_originFree. Before paying an unfamiliar x402 seller, check whether the origin actually controls the XRPL account it advertises. Cross-checks the domain's .well-known/xrp-ledger.toml against each account's…Doesn't say
  • xrpl_pulse_recent_eventsPaid ($0.10 USD). Most-recent XRPL signal events newest-first. Mixes news, whale activity, permissioned-domain lifecycle, Sentinel signals, and RWA issuer flows. Filterable by kind, time range, and m…Doesn't say
  • xrpl_pulse_events_by_addressPaid ($0.10 USD). Pulse events referencing a specific XRPL address (whale, sentinel signal, news, permissioned-domain). Complements xrpl_sentinel_scan with event history.Doesn't say
  • xrpl_pulse_stream_purchasePaid (tiered: 1h ~$0.50 / 6h ~$2.50 / 24h ~$7.50). Buy a time-boxed WebSocket subscription to live Pulse events. Returns a stream_token JWT and ws_url. Server-side filtering by source, signal, and mi…Doesn't say
  • xrpl_pulse_ripple_counterpartiesPaid ($0.01 USD). Anonymized Ripple-counterparty auto-discovery and relay-burst detector findings. Score-tier and funding-source distributions; specific wallet addresses not exposed.Doesn't say
  • xrpl_pulse_ripple_topologyPaid ($0.01 USD). Ripple ecosystem topology map: Source (treasury/issuer/escrow wallets), Pipeline (curated middle layer by role), and Exits (named CEX hot wallets).Doesn't say
  • xrpl_pulse_cex_attributionPaid ($0.01 USD). CEX attribution walker findings: backward-walked payment chains ending at named exchanges. Hop count, total USD, anchor and terminal labels; specific addresses not exposed.Doesn't say
  • xrpl_pulse_network_statsFree. XRPL network summary: funded addresses, trustline count, offer count, 24h active addresses, and snapshot freshness.Doesn't say
  • xrpl_pulse_xrpl_primitivesPaid ($0.01 USD). Ledger-wide XRPL object counts: PermissionedDomain, Credential, DID, Oracle, MPTokenIssuance, AMM, Escrow, DepositPreauth, Check, PayChannel, NFTokenPage and more, plus canonical XR…Doesn't say
  • xrpl_pulse_whale_flow_24hPaid ($0.01 USD). Trailing 24h whale Payment aggregate: total USD, tx count, top labels, per-currency breakdown. No specific addresses returned.Doesn't say
  • xrpl_pulse_exchange_flow_deltaPaid ($0.01 USD). Per-UTC-day series of net XRPL exchange flow: inbound, outbound, net, and settlement volume. Same series used in XR-Flows ETF correlation.Doesn't say
  • xrpl_pulse_rwa_summaryPaid ($0.01 USD). Cross-issuer RWA rollup: obligations, net-circulating supply, trustline count, 24h mint/burn flow, and AMM pool exposure per tracked issuer.Doesn't say
  • xrpl_pulse_exchange_net_flowPaid ($0.01 USD). Per-exchange directional net flow from labeled whale events. Inflow/outflow/net per named exchange with trend and market positioning flag. Holder-centric sign: net_flow_usd = outflo…Doesn't say
  • xrpl_pulse_escrow_calendarPaid ($0.01 USD). Forward-looking Ripple XRP escrow release calendar with monthly unlock schedule, relock history, and net release rate.Doesn't say
  • xrpl_pulse_entity_positioningPaid ($0.01 USD). Per-entity (exchange, treasury, MM) accumulation vs distribution scoring from labeled whale events with daily breakdown. net_usd is the objective balance delta (inflow minus outflow…Doesn't say
  • xrpl_pulse_rlusd_distributionPaid ($0.01 USD). RLUSD mint-to-CEX distribution: where Ripple's freshly-minted RLUSD goes. Splits outgoing RLUSD from the distribution wallet into by_exchange (named venue), to_labeled_non_exchange…Doesn't say
  • xrpl_desk_briefingPaid ($0.01 USD). Composite desk briefing: market posture, headline narrative, positioning (top accumulator/distributor + reversals), RLUSD health (velocity + growth + peg), supply pressure (escrow +…Doesn't say
  • xrpl_wallet_checkPaid ($0.25 USD). Bundle: who an XRPL wallet is and what it has been doing, in one call and one payment. Combines the XR-Sentinel activity scan (with change since the previous scan and narrative), a…Doesn't say
  • xrpl_xrp_market_briefingPaid ($0.05 USD). Bundle: what is moving the XRP market today, in one call and one payment. Market posture and headline, whale count (1M+ XRP wallets) and its change, exchange net flow, entity positi…Doesn't say
  • xrpl_rwa_token_reportPaid ($0.15 USD). Bundle: is a tokenized real-world asset on the XRP Ledger growing, and who holds it, in one call and one payment. Supply, holders (trustlines), 7 and 30-day growth and top-holder sh…Doesn't say
  • xrpl_fund_flow_reportPaid ($0.10 USD). Bundle: are XRP funds growing, and does the ledger agree, in one call and one payment. Fund assets and their change per fund, price moves included (XR-Flows), XRP held by funds, net…Doesn't say
  • xrpl_permissioned_venue_reportPaid ($0.10 USD). Bundle: who runs an XRPL permissioned domain (XLS-80) and is it active, in one call and one payment. XR-Trust operator profile (name, jurisdiction, domains, credentials outstanding,…Doesn't say
  • xrpl_network_snapshotPaid ($0.10 USD). Bundle: how big and how busy the XRP Ledger is, in one call and one payment. Funded accounts and daily active accounts and transactions with 7 and 30-day changes, ledger object coun…Doesn't say
  • xrpl_pulse_token_healthPaid ($0.01 USD). Per-token health scores for top 200 XRPL tokens: sovereignty, distribution, liquidity, transparency, demand pipeline. Each dimension 0-10 with green/yellow/red. Filter by issuer wal…Doesn't say
  • xrpl_pulse_whale_censusPaid ($0.01 USD). XRP whale census: every account holding 1M+ XRP, size bands, holder categories, the top 100 by balance and one history point per day. Refreshed every 6 hours; stale=true when the la…Doesn't say
  • xrpl_pulse_whale_flow_historyPaid ($0.01 USD). Daily whale and institutional USD flow history on XRPL, one row per UTC day.Doesn't say
  • xrpl_pulse_rwa_supply_historyPaid ($0.01 USD). Daily supply change per tracked real-world-asset issuer on XRPL, in each token's own units.Doesn't say
  • xrpl_pulse_xls85_totalsPaid ($0.01 USD). Token escrow (XLS-85) event counts: all time, last 7 days and last 24 hours, raw and with high-rate issuers removed, plus distinct issuers.Doesn't say
  • xrpl_pulse_ripple_counterparty_graphPaid ($0.01 USD). Two-hop graph built from the Ripple counterparty queue: nodes and edges for wallets Ripple's operational wallets pay and where that XRP goes next.Doesn't say
  • xrpl_pulse_recent_choreographiesPaid ($0.01 USD). Recent coordinated institutional move patterns on XRPL: groups of linked payments that happen together.Doesn't say
  • xrpl_pulse_top_destinationsPaid ($0.01 USD). Wallets receiving XRP from several watched source wallets, ranked by how many distinct sources pay them.Doesn't say
  • xrpl_pulse_moex_xrp_indexPaid ($0.01 USD). Moscow Exchange XRP index: latest value and daily history.Doesn't say
  • xrpl_telemetry_snapshotPaid ($0.10 USD). One-shot XRPL macro snapshot: supply breakdown, liquidity flows, AMM state, derived Active Float model, and utility floor price. Pass sections to get only some blocks.Doesn't say
  • xrpl_telemetry_get_quotePaid flow step 1 ($0.10 USD total). Start async invoice flow: returns invoice_id, payTo address, deepLink, QR, and expiry. Pay via XRPL Payment, then poll get_status, then call get_results.Doesn't say
  • xrpl_telemetry_get_statusPaid flow step 2 (no extra charge). Poll invoice status from get_quote. Returns paid (bool), amount, ledger_index, and expiry.Doesn't say
  • xrpl_telemetry_get_resultsPaid flow step 3 (no extra charge). Fetch full Telemetry snapshot payload once invoice is paid. Same shape as xrpl_telemetry_snapshot.Doesn't say
  • xrpl_telemetry_settlement_totalsFree. XRPL settlement volume rollup: 24h/7d/30d USD volume across XRP and RLUSD, annualized run rate, and payment counts.Doesn't say
  • xrpl_telemetry_settlement_seriesPaid ($0.01 USD). Bucketed XRPL settlement volume time-series (daily / weekly / monthly) with USD totals, payment counts, XRP drops, and RLUSD value per bucket. Newest first, UTC-aligned. For chartin…Doesn't say
  • xrpl_telemetry_dex_pair_volumePaid ($0.01 USD). Per-pair DEX volume on XRPL: 24h and 7d volume, fill counts, orderbook vs AMM source split, and annualized run rate.Doesn't say
  • xrpl_telemetry_liquidityPaid ($0.01 USD). XRP supply and liquidity headline: circulating, escrowed, AMM-locked and exchange-held XRP, on-ledger liquidity, modeled exchange depth, Active Float, measured free float and execut…Doesn't say
  • xrpl_telemetry_exchange_flow_historyPaid ($0.01 USD). Per-exchange daily XRP flow series on XRPL: inbound, outbound and net per venue per day.Doesn't say
  • xrpl_trust_list_domainsPaid ($0.10 USD). List all XRPL PermissionedDomain (XLS-80) objects on mainnet with owner, accepted credentials, and institutional issuer counts. Paginated.Doesn't say
  • xrpl_trust_get_domainPaid ($0.10 USD). Deep dive on one PermissionedDomain by 64-hex ID: lifecycle history, permissioned market activity (XLS-81), and DID/TOML identity.Doesn't say
  • xrpl_trust_credential_issuersPaid ($0.10 USD). All credential issuers across PermissionedDomains: address, label, referencing domain count, and credential types issued. Use limit and offset to page; omit limit for every issuer.Doesn't say
  • xrpl_trust_recent_eventsPaid ($0.01 USD). XLS-70/80/81 lifecycle event stream: domain creates/deletes, credential activity, permissioned offers and AMM events. Cursor-paginated.Doesn't say
  • xrpl_trust_list_operators_indexFree. Index of all PermissionedDomain operators: address, label, jurisdiction, status, domain count, issuer count. Paginated.Doesn't say
  • xrpl_trust_operator_drilldownPaid ($0.10 USD). Deep dive on one PermissionedDomain operator: domains, credentials, jurisdiction, DID identity, institutional issuers, and lifecycle events.Doesn't say
  • xrpl_trust_operator_attributionPaid ($0.01 USD). Institutional attribution for one PermissionedDomain operator: parent funder, credential types, gated assets, plain-English summary, and confidence tier.Doesn't say
  • xrpl_trust_usage_summaryPaid ($0.01 USD). Ecosystem-wide PermissionedDomain activity aggregate: domain count, operator count, credential and market event totals over a configurable window.Doesn't say
  • xrpl_trust_jurisdictionsPaid ($0.01 USD). Jurisdiction rollup across XRPL's permissioned stack: per-country operator and issuer counts with an unattributed bucket.Doesn't say
  • xrpl_trust_permissioned_activityPaid ($0.01 USD). Newest-first feed of permissioned-domain ledger activity: XLS-70/80 domain and credential lifecycle, XLS-81 permissioned-DEX offers and AMM ops, and Payments made inside a domain. C…Doesn't say
  • xrpl_vault_scanPaid ($0.10 USD). Per-issuer RWA deep dive: supply, mint/burn flow, AMM exposure, and daily history. Accepts wallet address, issuer label, or currency code.Doesn't say
  • xrpl_vault_daily_flowFree sample. Cross-issuer daily RWA flow for the last 7 days at most: mint/burn event counts per day and the dollar-pegged net inflow. For up to 90 days with issuer wallets and candidates use xrpl_va…Doesn't say
  • xrpl_vault_daily_flow_historyPaid ($0.01 USD). Cross-issuer daily RWA flow for up to 90 days: mint/burn event counts per day, dollar-pegged net inflow, per-issuer series in native units, each tracked issuer's wallets and the aut…Doesn't say
  • xrpl_flows_scanPaid ($0.10 USD). Per-ETF deep dive for any tracked XRP-exposure ETF across three tiers: US spot (XRP/XRPC/XRPZ/GXRP/TOXR/XRPR), US indirect-basket (BITW/GDLC/EZPZ/NCIQ/TTOP/TXBC, XRP-attributable sl…Doesn't say
  • xrpl_flows_correlationPaid ($0.01 USD). Daily ETF AUM vs XRPL exchange-flow delta across the tracked XRP-exposure funds (US spot, US indirect-basket, and European spot tiers) with 7-day rolling Pearson correlation. Correl…Doesn't say
  • xrpl_flows_cross_border_flowPaid ($0.01 USD). XRPL cross-border settlement flow: country-pair aggregates (inbound/outbound/net USD), top corridors, and coverage block. Institutional/exchange wallets only.Doesn't say
  • xrpl_flows_launch_impactPaid ($0.01 USD). Per-ETF launch-window analysis: [L-30, L+30] exchange-flow delta and DEX volume around each tracked XRP-exposure ETF launch date.Doesn't say
  • xrpl_flows_etf_flow_summaryPaid ($0.01 USD). Daily ETF flow summary: per-ticker AUM with day-over-day delta, growth rate, and aggregate XRP supply share.Doesn't say
  • xrpl_flows_etf_candidatesPaid ($0.01 USD). XRP fund filings and candidates found in the SEC ticker index that are not yet tracked, with review status.Doesn't say
  • xrpl_ledger_statementPaid ($0.10 USD, RLUSD or XRP on XRPL, or USDC on Base). Account statement for 1-10 XRPL addresses rolled into one: monthly periods with XRP in/out/net, fees, activity categories, per-token net chang…Doesn't say
  • xrpl_ledger_schemaFree. XR-Ledger response schema: request fields, every statement field and its meaning, and the payment rails the paid statement accepts.Doesn't say

Audit history

  1. Nov 13Warnings

What we sent

Every request in this audit, with the answer and how long it took. We never send credentials and never call a tool.

RequestAnswerTime
initializeHTTP 200262 ms
initializedHTTP 202134 ms
tools/listHTTP 200110 ms
resources/listHTTP 20088 ms
unknown-methodHTTP 20098 ms

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