XRPL
Everything you need to know about XRPL compliance — XRP legal status, native features, and custody implementations.
Custodial
CASP Art. 75 mandatory- Single KeyMaster key held by service
- IOU / Trust LinesGateway holds off-chain assets
Grey zone
Legal opinion required- Regular KeySecondary key; master behavior matters
- SignerList (majority)Service reaches quorum alone
- MPC / TSSThreshold signatures, app-layer
- MPT (XLS-33)Programmable, issuer flags
Non-custodial
No CASP for the custody itself- EscrowTime-locked / conditional
- Payment ChannelsOff-ledger settlement
- ChecksOn-ledger deferred payment
- NFT Broker modeAtomic XLS-20 swap
- SignerList (minority)Service cannot sign alone
User holds their own keys — wallet software, not custody. Examples:
Regulators haven't issued definitive guidance on Regular Key, SignerList minority thresholds, or MPC/TSS under MiCA. A written legal opinion is essential before launch. The classification can shift with ESMA/FCA updates.
XRPLCustody Implementation Matrix
XRPL-compatible custody providers
Details on the 8 institutional custody providers with XRPL support — model, licensed jurisdictions, specific XRPL support. The matrix above classifies them by regulatory posture; the cards below give the operational detail.
Metaco (Swiss bank-grade tech) + Palisade (France-licensed MPC WaaS)
XRPL-native — deepest integration (signer lists, Regular Key, trust lines)
MPC custody for exchanges, banks, fintechs. ~2 000 institutional clients.
XRPL supported since 2021, XRP + issued tokens + trust lines.
Federally chartered crypto bank (OCC National Trust, 2021). HSM + cold storage.
XRP supported for qualified custody + staking workflows (where applicable).
Multi-sig + MPC custody. SD state trust (South Dakota) + NY trust. Settlement provider.
XRP supported in multi-sig cold wallet + institutional qualified custody.
Swiss bank-grade custody (FINMA DLT framework). Used by Deutsche Bank, State Street.
XRPL supported for tokenised assets + RWAs via T-PROTECT platform.
MPC custody for hedge funds + institutions. ClearLoop settlement network.
XRP supported in institutional custody and ClearLoop settlement rails.
XRPL-native retail/SME wallet and custody since 2014. Slovenia VASP.
Reference implementation of the XRPL IOU / Trust Line stablecoin model.
Developer-first wallet-as-a-service, MPC-TSS key management via API.
XRPL supported as one of 30+ chains. SOC2 Type II + France registered.
Public information compiled for educational purposes. Not a recommendation. Verify current licences and XRPL support with each provider before integration.