Protocol Architecture
How XRPro works
A line-by-line walkthrough of the XRPL primitives that power our yield engine — and why this architecture is impossible to replicate on Ethereum.
System overview
┌─────────────────┐
│ User's Account │
└────────┬────────┘
│ Sign 1 tx → grant routing rights
▼
┌────────────────────────────┐
│ XRPro MPT Vault │ Multi-Purpose Token
│ (non-custodial position) │
└────┬──────────┬───────────┘
│ │
┌────────┘ └────────┐
▼ ▼
┌──────────┐ ┌────────────────┐
│ XRPL AMM │ │ RLUSD Lending │
│ XRP/RLUSD│ │ Market (MPT) │
└──┬───────┘ └────┬───────────┘
│ fees │ interest
▼ ▼
┌──────────────────────┐
│ Hook (WASM script) │ ← runs every ledger close (~3s)
│ • collects fees │
│ • compounds yield │
│ • rebalances if │
│ APY shifts >2% │
└──────────────────────┘Native AMM
Built into the XRPL protocol since 2024 (XLS-30). No smart contract — atomic, gas-free swap settlement at the validator layer.
MPTs (Multi-Purpose Tokens)
XLS-33 token standard with built-in transfer rules, freeze, and metadata. We use MPTs to represent vault positions.
Hooks
Lightweight WebAssembly scripts attached to accounts. Execute on every transaction touching the account. Used for auto-compounding.
Escrow + Crypto-Conditions
Time-locked or condition-locked XRP transfers. Used for lending collateral and conditional payouts.
Payment Channels
Off-ledger micropayments with on-ledger settlement. Powers per-second yield streaming for our Stream-Stake product.
Native DEX + Path Payments
On-ledger central limit order book + atomic cross-currency routing. We capture spreads as additional yield.
Why XRPL beats EVM for this
| Property | Ethereum | XRPL |
|---|---|---|
| Transaction cost | $2 - $50 | $0.0001 |
| Finality | 12+ minutes | 3-5 seconds |
| MEV / front-running | Yes — $700M/yr extracted | None — no mempool |
| AMM type | Smart contract | Native protocol primitive |
| Compound interest cadence | Daily (gas cost) | Every block (~3s) |
| Effective compound boost | Baseline | +8-15% APY |