Xspence LTD (UK, No. 16306364), founded in 2025, is a Web3 fintech startup revolutionizing blockchain accessibility on XRP Ledger and Xahau. From a self-taught coding journey sparked by the 2020/21 crypto boom, we’ve built a community of ~1,500 users, driving innovation through XRMine, Little_Ledger, and Lambriini Art. Our mission: create secure, inclusive platforms for decentralized finance.
Launched in 2022 with 10 billion XRPL tokens, XRMine’s Engagement Rewards System has driven 73,811 transactions, distributing 1.5M+ tokens with a 98.9% success rate. Rewarding daily XRPL interactions, it fosters blockchain education. In 2025, validator nodes will scale our impact.
Visit XRMineBorn in 2024 from an ESP32 prototype, Little_Ledger’s IoT devices deliver real-time XRPL/Xahau notifications with audio, visual, and haptic feedback. Launching this month on xMerch, the proceeds from Developer_Kit and Micro_Ledger sales will fund network infrastructure.
Visit Little_LedgerKLAS Accessories, led by a 10-year-old animal lover, raises funds for UK animal shelters through handcrafted creations. Lambriini Art’s vibrant NFTs, minted on XRPL and Xahau, support this mission. In 2026, new collections and Xahau Hooks will amplify their charitable impact.
Explore KLASIn 2021, the crypto boom’s volatility drew us to XRPL’s speed and potential. We launched XRMine to create a safe space for exploring innovative projects, promoting DYOR through whitepaper reading, trustline setup, and daily engagement rewards, distinct from speculative trading and endorsements.
In 2022, with no coding experience, we dove into software development, driven by a vision for digital inclusion. Early experiments with Android Studio and self-taught coding laid XRMine’s foundation, prioritizing education and accessibility to onboard users responsibly to the XRPL ecosystem.
In 2023, MadLabs’ web development courses and volunteering sessions transformed our skills. Debugging code and mentorship helped shape XRMine’s prototype, reinforcing our commitment to combat digital exclusion by building platforms that empower users with knowledge over hype.
In 2024, XRMine’s beta launched after security fixes, achieving 73,811 transactions with a 98.9% success rate and engaging over 1,500 users. The need to monitor XRMine’s beta, coupled with MadLabs Arduino workshops, inspired Little_Ledger’s IoT devices for real-time XRPL/Xahau notifications. These steps laid the groundwork for Xspence’s formation and our infrastructure focus.
In 2025, we formalised Xspence LTD to bring together XRMine, Little_Ledger, and Lambriini Art. XRMine continued as an experimental, community-first pilot focused on safe onboarding, measured reward distribution, and learning through real-world testing.
Throughout 2025 we authored the Xahau Hooks 101, a curated collection of concise, working Xahau Hook examples in C. The collection is designed as a hands-on educational resource, with each example ready to compile to WASM and demonstrate practical smart-contract patterns.
That year we launched the Devnet portal centred on the XRP Ledger that provides a safe sandbox to generate accounts and credentials, manage permissioned domains, author and test Multi-Purpose Tokens (MPTs), and build & submit transactions including escrows and trustlines. The portal provides a live WebSocket feed, a transaction builder, and a custom developer node where we occasionally publish experimental XRPL features for developers to try.
Looking to 2026, we’re hoping to dive into core development, building on our anti-dusting XLS with new XRPL amendments and extend our Xahau Hooks samples. Next-gen IoT devices and NFT collections will advance our mission to make blockchain tangible, secure, and inclusive, while strengthening XRPL/Xahau infrastructure.
As a one-person operation, with my wife’s support in graphics and logo design, I’m on a quest to master XRPL/Xahau technology inside out. My self-taught journey drives Xspence’s sustainable, scalable products for all ecosystem participants. Despite challenges, our promising progress fuels every XRMine transaction and xMerch sale toward a future where blockchain is accessible to all.