Non-Custodial Security

You stay in full
control of your funds.

DropPay never holds, routes, or has access to your XRP. Every payment goes directly from your customer's wallet to yours. No withdrawal delays. No middleman.

Start for free
Non-custodial XRP payment security

Your funds go straight to you.
We never touch them.

Most payment processors hold your funds temporarily. DropPay's architecture makes that impossible.

Funds go directly to your wallet

When a customer pays, the XRP moves from their wallet to your wallet on the XRP Ledger. DropPay is not in the path. There is no account to withdraw from.

DropPay observes. It does not hold.

DropPay monitors the XRP Ledger for your payment, confirms it landed, and fires your webhook. That is the entire role. It never has custody of anything.

No withdrawal delays

There is no payout schedule, no holding period, and no minimum balance. Funds land in your wallet the moment the transaction confirms, in 3 to 5 seconds.

Built on a network that has never gone down.

The XRP Ledger is a public blockchain that has processed billions of transactions since 2012 without a single day of downtime.

Cryptographic finality

Transactions are confirmed by validator consensus. No chargebacks, no reversals, no disputes. The ledger decides. Not a bank, not a processor, not DropPay.

Publicly auditable

Every transaction is permanently recorded on a public ledger. Your customers can verify payment independently without trusting DropPay at all.

Settles in seconds, globally

A payment from Tokyo or São Paulo settles to your wallet in the same 3 to 5 seconds as one from next door. No banking hours, no currency corridors.

Questions about how this works.

Does DropPay ever hold my XRP?
No. Every payment goes directly from your customer's wallet to your wallet on the XRP Ledger. DropPay observes and confirms the transaction. It never touches the funds.
What happens to my funds if DropPay goes offline?
Nothing. Your funds are already in your own wallet. DropPay going offline has no effect on your XRP balance. The XRP Ledger is a public, decentralized network that operates independently of DropPay.
Do I need to share my private keys with DropPay?
No. You only add your wallet's public address to your DropPay account. Your private keys never leave your wallet. DropPay has no ability to move funds from your wallet. It can only read what has arrived.
Can payments be reversed or charged back?
No. XRP Ledger transactions are final. Once a payment is confirmed on the ledger, it cannot be reversed, disputed, or recalled by anyone, including DropPay. This is enforced by the network itself.
Is there a withdrawal process or payout schedule?
No. Because DropPay never holds your funds, there is nothing to withdraw. Funds land in your wallet the moment each transaction confirms. There is no minimum balance, no holding period, and no payout schedule.

Start accepting payments. Keep full control.

Free to start. Funds go directly to your wallet from day one.

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