Homeless — Apply for GrantsBuild Real CreditProtect Your AssetsTransparent AI Community GrantsBuy Powerful XRPL AmendmentsTurn XRP / RLUSD Into CreditBlockchain LedgerScoreEvery Donation Uses AI To Send HelpDonations → Treasury → Apply for Grants → AI → Help Is On The WayBorrow / Lend XRPL Amendment Coming SoonHomeless — Apply for GrantsBuild Real CreditProtect Your AssetsTransparent AI Community GrantsBuy Powerful XRPL AmendmentsTurn XRP / RLUSD Into CreditBlockchain LedgerScoreEvery Donation Uses AI To Send HelpDonations → Treasury → Apply for Grants → AI → Help Is On The WayBorrow / Lend XRPL Amendment Coming Soon

Kredit Karma

Community Grants·LedgerScore·XRPL Services

42,891

LedgerScores

$1.2M

Grants Funded

Overhead

<5s

To Wallet

XRPL Services

XRPL Amendment Services

AI-delivered on-chain protection

Each service maps to a real XRPL transaction type. Pay in RLUSD or XRP. AI files the amendment within one ledger close (~4 seconds).

🔒

SetAccountFlag · asfNoFreeze

Clawback Shield

Permanently block issuers from reclaiming your tokens

✓asfNoFreeze flag set on-chain
✓Issuer clawback permanently disabled
✓On-chain activation proof

25 RLUSDor 80 XRP

🏛️

EscrowCreate · Time-locked

Escrow Vault

AI-managed protective escrow with custom release conditions

✓EscrowCreate filed to XRPL mainnet
✓Custom release date or crypto-condition
✓AI monitors + auto-finalises

50 RLUSDor 160 XRP

🤝

TrustSet · MultiSig Registry

Mutual Aid Pool

On-chain mutual aid coverage certificate — no insurance company

✓TrustSet coverage certificate issued
✓Added to multisig pool registry
✓AI-triggered disbursement on claim

35 RLUSDor 115 XRP

📈

Monthly

Payment · Bureau Reporting

Credit Builder

Build LedgerScore + FICO simultaneously with monthly on-chain payments

20 RLUSD/mo

🌊

On-chain

AMMWithdraw · Position Monitor

DEX Liquidity Guard

AI monitors your AMM positions and exits before damage hits

40 RLUSD

COMING SOON

🔁

Lending Protocol · Coming Soon

XRPL Borrow / Lend

Native on-chain borrowing & lending — powered by upcoming XRPL amendments

Pre-register free

LedgerScore — World First

On-chain credit score.
No SSN. No bureau. Just truth.

300–850. Built entirely from your XRPL wallet activity. Account age, transaction volume, trust line diversity, DEX participation, escrow history. Calculated in real time. Owned by you forever on the blockchain.

No SSN Required

Wallet-only identity

300–850 Scale

New global standard

Real-Time

Calculated instantly

Permanent

No institution can revoke

Credit Builder — Monthly on XRPL

Starter$20 RLUSD/mo

LedgerScore monitoring · Equifax soft · Email alerts

POPULAR

Builder$50 RLUSD/mo

All 3 bureaus soft · Score simulator · Dispute assist

Pro$100 RLUSD/mo

Hard bureau reporting · RLUSD rewards · DeFi pre-approval

First blockchain → FICO pathway ever built

AI-Reviewed Grants

Real people. Real money. Wallet to wallet.

No NGOs. No dark money. No election funneling. Donations flow directly from your wallet to someone in need — AI reviews every application — 100% verifiable on the XRP Ledger.

💚

Fund the Treasury

Send XRP or RLUSD. 100% goes to grant recipients. Treasury is public on XRPScan. Every transaction verifiable by anyone, forever.

Overhead

<5s

Transfer

∞

On-Chain

XRPNS · Primarykreditkarma.xrp

rs59g3amo5iT6T64Cg96XXMAWuw3WPQcLF

❤️

Apply for Emergency Aid

Need help? Apply for $25–$100. AI reviews every application within 24 hours — no bias, no gatekeepers. Approved funds go directly to your XRPL wallet.

✓Submit a help form

✓AI reviews using treasury

✓Help is on the way — direct to wallet

✓No bank account, no ID required

Why XRPL

The only blockchain built for this.

Not a trend. Not a whitepaper. Over a decade of continuous operation. Sub-cent fees. 3–5 second finality. And an AMM that's live right now.

3–5s

Finality

$0.000001

Avg Fee

10+

Years Live

1,500

TPS

0.0079kWh

Per TX

Your wallet has a story.
Let the ledger score it.

Free. No SSN. No bank account. 100% on-chain. This is the XRPL build of the century.

Seeking institutional partnerships · partners@kreditkarma.us