Accept XRP Payments
Anonymously
Accept XRP with 3–5 second settlement and negligible fees — built for payments, delivered through a private link.
XRP was designed for one job: moving value fast and cheaply. The XRP Ledger settles transactions in three to five seconds for a fraction of a cent, with no mining backlog to wait through. For cross-border invoices and time-sensitive payments, few chains are as consistently quick.
What XRP doesn't provide is privacy — the ledger is fully public, and a reused receiving address exposes your entire payment history to anyone who looks. Cloakd solves this the non-custodial way: payers send to a generated deposit address, funds settle to your wallet, and your actual address never appears in front of the payer.
And because Cloakd swaps across 45+ chains, clients who hold other assets can still settle your XRP request — you receive XRP either way.
Four Ways to Accept XRP
Payment links
Invoice in XRP and get settled in seconds — share a link, keep your address to yourself.
Create a linkTelegram payment bot
Request and confirm XRP payments inside Telegram with the Cloakd bot — settlement is often faster than the conversation.
Explore the botTelegram paywall
Sell access to your Telegram community for XRP with automatic membership on payment.
Set up a paywallMerchant checkout
Offer XRP at checkout via the merchant API — fast finality means orders confirm almost immediately.
For merchantsHow It Works
Create your payment link
Connect a wallet, choose XRP and the amount, and Cloakd generates a shareable payment link. No account or KYC required.
Share it anywhere
Send the link in a chat, invoice, bio, or Telegram group. The payer opens it and sees payment instructions — never your wallet address.
Receive XRP directly
The payer sends funds (XRP or any of 200+ tokens, swapped automatically) and you receive XRP straight to your wallet. Cloakd never holds your funds.
XRP Networks We Support
Payers choose whichever network suits them — you receive XRP on the network you picked when creating the link.
XRP Payment FAQs
How fast are XRP payments really?
The XRP Ledger typically finalizes transactions in 3–5 seconds, making it one of the fastest settlement options Cloakd supports.
Do I need a destination tag to receive XRP through Cloakd?
If your receiving wallet or exchange requires a destination tag/memo, you can include it when creating the request — Cloakd supports memo-based networks.
Can I accept XRP without an account or KYC?
Yes. Payment links require no signup or identity verification, and funds go directly to your wallet.
Is my XRP address visible to payers?
No. Payers see a generated deposit address, so your receiving address and its public ledger history stay private.
Can payers use other coins to pay an XRP request?
Yes — Cloakd converts from 200+ tokens automatically, so you receive XRP regardless of what the payer holds.
Also Accepted on Cloakd
Start Accepting XRP Today
No signup, no KYC, no custody. Create a private XRP payment link in seconds — or take payments straight from Telegram.