Xspence

Welcome to Xspence

A fintech startup creating innovative solutions with blockchain technology, utilizing the XRP Ledger and Xahau Network to make use of secure native features and the additional programmability of smart contracts.

Through 2025, we have launched Little_Ledger IoT devices, collaborated with xMerch to create a decentralized e-commerce platform and deepened our expertise through an intensive two-week rippled core developer bootcamp with XRPL Commons in Paris.

Our Blockchain Ecosystem

XRP Ledger

The XRP Ledger (XRPL) is a decentralized, open-source blockchain designed for fast, secure, and cost-effective cross-border payments. Powered by XRP, it processes transactions in 3-5 seconds with minimal fees, eliminating intermediaries like traditional banks. XRPL supports a global ecosystem of financial applications, including remittances, micropayments, and tokenized assets, with over 97 million ledgers closed since 2012. Its robust infrastructure and developer-friendly tools, like XRPL.js, empower innovators to build scalable Web3 solutions for finance and beyond.

Build On XRP Ledger →

Xahau Network

Xahau Network is an advanced layer-1 blockchain and a companion to XRPL, introducing smart contract functionality through Hooks, powered by XAH. Designed for efficiency and customization, Xahau enables secure, automated solutions for DeFi, NFTs, and IoT applications. Its lightweight smart contracts allow developers to create programmable transactions, such as automated escrow or royalty splits, while maintaining XRPL’s speed and low-cost benefits. Xahau’s programmability on top of XRPL's native features makes it ideal space for innovative fintech and Web3 projects.

Build On Xahau →

Our Mission

Our aim is to advance the XRP Ledger and Xahau ecosystems by driving accessibility and onboarding through pioneering solutions. We actively develop both networks, creating payment rails with Xahau’s smart contracts to power our product sales and testing new amendments to enhance XRPL’s core functionality. Committed to leading the charge in emerging blockchain technology, we build secure, inclusive platforms for all, inspired by years of volunteering to combat digital exclusion.

XRMine / XPN

Incentivizing safe onboarding with engagement rewards through our distribution platform's for $XRMine and $XPN tokens, developed and built on XRPL and Xahau to make blockchain technology more accessible.

Little_Ledger / xMerch

Little_Ledger’s IoT devices deliver real-time XRP Ledger and Xahau notifications. Partnered with xMerch, we leverage Xahau Hooks for seamless checkout and remittance, enhancing decentralized e-commerce.

Lambriini Art / KLAS

Lambriini’s unique NFT collections blend traditional and digital art on the XRPL, KLAS our daughter’s nonprofit raising funds through accessories sales and donations for local animal welfare.

Xspence LTD is the hub for our blockchain projects, providing documentation, support, code snippets, and soon network support through infrastructure alongside core development.

Our Services

XRMine.app

XRMine’s Engagement Rewards System incentivizes daily interaction with XRPL projects, rewarding users with tokens for exploring content and joining communities. Live in beta at xrmine.app, it has driven over 50,000 transactions, fostering active participation and blockchain growth.

Visit XRMine

Little_Ledger

Little_Ledger’s IoT devices, powered by microcontrollers, deliver real-time XRP Ledger and Xahau notifications with audio, visual, and haptic feedback, fostering hands-on blockchain education. In collaboration with xMerch, we utilize Xahau Hooks for seamless decentralized e-commerce, with revenue supporting network infrastructure and development.

Visit Little_Ledger

Lambriini Art

Lambriini’s unique NFT collections, blending traditional and digital art, are minted on the XRP Ledger via Fuzion-XIO. She champions her daughter’s nonprofit, KLAS Accessories, funding local animal welfare centres through accessory sales and donations.

Explore Lambriini's NFTs

Our Collaborations

We actively advance the XRPL and Xahau ecosystems by developing and testing tools in collaboration with key contributors like XRPLWin, Bithomp, XRPScan, Xaman, and Xpert.page. Our primary partnership with xMerch drives a decentralized Web3 eCommerce platform, leveraging Xahau's smart contract Hooks for rewards and NFTs, creating the perfect marketplace for our Little_Ledger products.