Last updated: 29 April 2026
X-Multi is currently in public beta. Features may change, bugs are possible, and parts of the application may behave unexpectedly under load or during third-party outages. Use X-Multi at your own discretion — we recommend testing with small amounts before moving significant value.
X-Multi is an open-source interface for the XRP Ledger that provides two main modes: a multisignature vault tool for organizations, businesses, communities, DAOs, and project teams to coordinate multi-party transaction approval; and a personal banking-style mode with checking, savings (escrows), DEX trading, NFTs, and tokens. X-Multi is not a bank, exchange, custodian, or financial advisor — it is a self-custody interface to public XRPL functionality.
You are solely responsible for your signing keys, passwords, and vault configuration. X-Multi does not have access to your private keys or funds. If you lose your seed phrase and vault password, we cannot recover your access. There is no "forgot password" that bypasses your seed phrase — this is by design for your security.
Transactions submitted to the XRP Ledger are permanent and cannot be reversed, cancelled, or modified after execution. X-Multi provides proposal cancellation before submission, but once a transaction is confirmed on the blockchain, it is final. Review all transaction details carefully before approving.
X-Multi is a tool, not a financial service. Nothing in the application constitutes financial, legal, tax, or investment advice. Consult qualified professionals for decisions involving significant value.
X-Multi is designed for organizations operating on the XRP Ledger — including businesses, governance councils, DAOs, community treasuries, and project teams. The vault's approval threshold and signer list serve as the organization's on-chain governance structure. X-Multi does not enforce or interpret organizational bylaws, voting procedures, or legal agreements between signers.
X-Multi's personal mode includes interfaces to the XRP Ledger's native DEX, AMM pools, and trust-line tokens. Trading on a DEX involves risks including price slippage, sandwich attacks, AMM impermanent loss, and exposure to issuer-specific risks (rug pulls, frozen issuers, depegged stables). Token prices, charts, and metadata are sourced from third-party providers (DexScreener, xrplmeta, OnTheDEX) and may be incomplete, delayed, or inaccurate. X-Multi displays this data on a best-effort basis and is not responsible for trading decisions made on it. Always verify token issuers and amounts independently.
X-Multi encrypts signing keys locally using AES-256-GCM with PBKDF2 key derivation (600,000 iterations). While this meets industry standards for browser-based key management, no software can protect against a fully compromised device, keylogger, or malware. Use X-Multi on devices you trust and keep your operating system and browser up to date.
X-Multi is open source under the terms published in its GitHub repository. You may audit, fork, and self-host the application. The software is provided "as is" without warranty of any kind, express or implied.
To the maximum extent permitted by law, X-Multi and its contributors shall not be liable for any loss of funds, data, or access arising from: use of the application, blockchain transaction errors, key management failures, third-party service outages, or any other cause. You use X-Multi at your own risk.
X-Multi is provided on a best-effort basis. We do not guarantee uptime, availability, or uninterrupted service. The application depends on third-party infrastructure including public XRPL nodes (xrplcluster.com, ripple.com), Supabase, wallet providers (WalletConnect, Xaman), and market-data providers (DexScreener, xrplmeta, OnTheDEX, CoinGecko), any of which may experience downtime, rate limits, or maintenance windows that affect features of the app.
These terms may be updated from time to time. Continued use of X-Multi after changes constitutes acceptance. Material changes will be noted on this page.