Straight to your address
Every charge is sent to the wallet you registered. No platform balance, no payout schedule, no withdrawal requests.
In testing on the XRP Ledger Testnet
Get paid in XRP.
Straight to your wallet.
Kuaryx connects buyers and sellers on the XRP Ledger. The money never passes through us, confirmation takes seconds and your XRP stays XRP until you decide otherwise.
- 3 to 5 s
- for the network to validate
- 0 keys
- held by Kuaryx
- 0 conversions
- required
How it works
From QR code to balance, with one signature
Pick a sale and a plan and see where each part of the payment goes.
- Customer pays
- 0 XRP
- Merchant receives
- 0 XRP
- Kuaryx fee
- 0 XRP
- The merchant creates the chargeThe price in Brazilian reais becomes XRP at a reference rate, and each charge gets a unique tag.
- The customer checks and signsOn their own phone. The key never leaves the device.
- The XRP Ledger validatesMerchant and fee land together. If one part fails, neither is applied.
- The merchant is notifiedDashboard and webhook only show “paid” after the ledger validates.
Illustrative figures, with 1 XRP = R$ 12.50 and a 1.5% fee. The actual rate and each merchant's percentage are set on the charge and the plan.
For merchants
Your sale lands in your wallet. Nobody in the middle holding it.
You price in Brazilian reais, get paid in XRP and track everything on a dashboard. Kuaryx never has access to your funds.
Price in reais
Enter R$ 25.00 and Kuaryx works out the amount in XRP. The real is only a price reference: nothing gets converted.
“Paid” only counts on the ledger
A screenshot of a receipt confirms nothing. Only validated transactions count, always for the amount that actually arrived.
Every case has a name
- Paidright amount, on time
- Overpaidthe extra is shown separately
- Partialshows how much is missing
- Lateyou decide what to do
- Expireddeadline passed
Integrates with your store
// create the charge
POST /api/charges
{ "amount_brl": "25.00" }
// receive the signed notification
"event": "charge.paid"A plan for each merchant
What Kuaryx charges is agreed individually with each store.
Subscription
A fixed monthly fee in XRP, paid from your wallet. No fee on sales.
Fee per sale
An individual percentage. On sales through the Kuaryx app, the fee is settled instantly, within the payment itself.
Both
A monthly fee in XRP combined with a percentage on sales.
If the customer pays with a wallet that doesn't split payments, you receive the full amount and the fee goes on that month's invoice.
For customers
Pay with the XRP that's already yours
The Kuaryx app is your wallet. Sign in with email or Google, point the camera and sign. The balance stays under your control, not ours.
- Create your wallet in minutesThe app generates 12 words that stay only on your device.
- Scan the store's QR codeBefore signing, you see the store, amount and destination.
- Sign and you're doneWithin seconds the network confirms and the screen shows the payment as complete.
Keep your 12 words on paper. They are the only way to recover your wallet. Not even Kuaryx can recreate them, because it never had them.
Your XRP, your decision
Got paid in XRP? No need to swap it.
Converting isn't part of the payment. Your XRP can keep moving through the ecosystem, or go to the exchange of your choice, when and if you want.
Your walletExample
The same XRP can go all the way around without becoming another currency
- Customerpays the bakery
- Bakerypays the supplier
- Supplierhas lunch at the restaurant
- Restaurantholds or swaps
No promise of gains. The price of XRP goes up and down, and holding XRP means taking on that risk. Kuaryx doesn't buy, sell or swap, and doesn't recommend investments. Tax obligations on crypto assets are yours: talk to your accountant.
Commitments
What Kuaryx never does
- See your key or your 12 wordsSigning happens on your device. Only your public address reaches our servers.
- Hold the merchant's moneyThe sale amount goes from the customer straight to the store's wallet.
- Convert XRP into fiatThe price in reais is only a reference. Swapping is your decision, outside Kuaryx.
- Confirm without the ledgerA payment is only “paid” once the XRP Ledger validates it. Screens, screenshots and promises don't count.
FAQ
Before you start
Do I have to convert the XRP into fiat?
No. The payment ends with XRP in the merchant's wallet. You can hold it, spend it or pay someone in XRP. If you'd rather have another currency, send it to the exchange of your choice and swap it there, on its terms.
Is Kuaryx an exchange or a bank?
No. Kuaryx is billing software. It doesn't hold funds, doesn't offer accounts and doesn't buy or sell crypto assets.
What if the price of XRP changes after the sale?
The XRP amount is fixed when the charge is created, and the XRP you receive doesn't change. What that XRP is worth in fiat moves with the market, and that risk belongs to whoever holds it.
Do I need the Kuaryx app to pay?
No. The QR code also works with compatible XRP wallets. The app is the route where the fee, if there is one, is settled within the payment.
What does the network cost?
The XRP Ledger charges a tiny fraction of XRP per transaction, normally well under a cent. Whoever signs the transaction pays it. Each wallet also needs to keep a small reserve required by the network.
The customer underpaid or paid late. Now what?
The charge shows what happened: partial, with how much is missing, or late. The money that arrived stays in your wallet, and any refund is a new payment made by you.
I lost my phone. Did I lose my XRP?
Not if you kept your 12 words: they restore the wallet. Without them nobody can recover it, not even Kuaryx.
Can I use it with real XRP yet?
Not yet. Kuaryx is in testing on the XRP Ledger Testnet, which uses XRP with no value. Get in touch to join the launch list.
Want to be among the first?
Tell us who you are and we'll let you know when Kuaryx opens with real XRP.