xrp - SKILL.md Agent Skill

name: XRP description: Assist with XRP transactions, destination tags, reserves, and XRPL features. metadata: {"clawdbot":{"emoji":"💧","os":["linux","darwin","win32"]}}

Exchanges require destination tags to credit deposits — sending without tag means lost funds or lengthy recovery
Destination tag is a number (not text) attached to a transaction — identifies which user's account to credit
Always verify tag before sending to exchange — wrong tag sends funds to wrong user
Self-custody wallets don't need destination tags — only exchanges and shared wallets use them
If tag is forgotten, contact exchange support immediately — recovery is possible but slow

XRP accounts require 10 XRP base reserve to exist — this is locked and not spendable
Each "object" (trust lines, offers, escrows) adds 2 XRP owner reserve — more features = more locked XRP
Cannot send entire balance — must leave reserve amount or transaction fails
Reserve amounts can change via network amendments — currently 10 + 2 per object
Deleting account recovers most reserve minus 2 XRP fee — requires no objects and destination tag

XRP transactions settle in 3-5 seconds — much faster than Bitcoin/Ethereum
Transaction cost is ~0.00001 XRP (fractions of a cent) — burned, not paid to validators
No mempool or pending state — transactions either succeed immediately or fail
Sequence number per account like Ethereum nonce — transactions must be sequential

XRPL tokens require trust lines — you must explicitly trust an issuer before receiving their tokens
Trust line costs 2 XRP reserve until removed — don't create unnecessary trust lines
Trustline rippling can cause unexpected balance changes — disable rippling for issued currencies
Anyone can issue tokens — verify issuer identity before trusting, many scams exist

Secret key formats: family seed (s...), hex, or mnemonic — each wallet may use different format
Xumm is most popular mobile wallet — supports all XRPL features
Hardware wallets support XRP — Ledger with full feature support
XRPL has native DEX — no smart contracts needed for trading

Many exchanges freeze XRP withdrawals during network upgrades — check status before panicking
Exchange minimum withdrawal often 20-25 XRP due to reserve requirements
Some exchanges don't support XRPL tokens — only native XRP
Verify exchange wallet is not in "maintenance" before large sends

Never share secret key or family seed — full access to all account funds
Regular key allows delegation without exposing master key — good for trading with limited risk
Escrow feature for trustless time-locked payments — built into protocol
Multi-signing available — require multiple keys to authorize transactions