StudioLedger

A creator studio wallet that bills, protects, and proves your work — all on XRPL.

StudioLedger is a creator platform built natively on the XRP Ledger. It combines a multi-currency wallet, escrow-protected billing, template-generated smart contracts, and Minted Craft Credentials (MCCs) into a single application for creators and marketmakers.

The Problem

Creators face two persistent problems: getting paid on time, and proving their track record. Traditional platforms charge 10–20% and offer no real payment protection. StudioLedger solves both using XRPL's on-chain escrow and NFT capabilities — at 0.98%.

Philosophy

StudioLedger is a contract transaction facilitator, not a financial institution. The blockchain IS the settlement layer — no intermediaries, no float, no counterparty risk. We're chain-agnostic at the door (connect Xaman, MetaMask, Phantom, GemWallet, Crossmark) but XRPL-native at the core. Settlement always runs on XRPL.

We embrace regulation as a competitive moat. StudioLedger is architected as a VASP (Virtual Asset Service Provider) from day one — AUSTRAC-enrolled, KYC-ready, Travel Rule compliant. The protection IS the product: at 0.98%, nobody leaves to avoid fees.

How It Works

• Escrow-protected payments — Funds are locked on-chain via XRPL Token Escrow (XLS-85) with crypto-conditions. Nobody can touch the money until work is approved. No chargebacks, no payment disputes.
• Minted Craft Credentials (MCC) — On milestone completion, StudioLedger mints a verifiable on-chain credential containing the work hash, contract terms, and completion proof. Creators build a portable, tamper-proof portfolio.
• Fiat + crypto wallet — Unified wallet supporting XRP (native), RLUSD (Ripple's stablecoin), USD, EUR, USDC, and USDT via GateHub-issued trust lines. Creators and marketmakers on-ramp in fiat or crypto — StudioLedger handles the plumbing.
• KYC & compliance — Identity verification built into the onboarding flow. Required before any transaction, per AUSTRAC Tranche 2 obligations and the Travel Rule (no minimum threshold for virtual asset transfers).
• Smart contract templates — Fixed-price, milestone, retainer, and more. Contracts are generated from templates with built-in escrow logic. RLUSD-only for escrow (eliminates volatility risk). XRP accepted for instant asset sales.
• Marketplace — Marketmakers post briefs, creators submit proposals, negotiate terms, and convert agreements into funded escrow contracts in one click.

Tech Stack

Getting Started

Prerequisites

• Node.js 20 LTS
• A Supabase account (free tier)
• Git

Installation

git clone https://github.com/remyyx/workledger.git
cd workledger
npm install

Environment Setup

cp .env.local.example .env.local

Required variables:

Database Setup

npm run db:migrate

15 migrations covering: users, contracts, milestones, MCC registry, transaction log, disputes, dispute evidence, dispute events, proposals, briefs, admin accounts (5 roles), audit log, and permission matrix.

Development

npm run dev

Open http://localhost:3000.

Project Structure

src/
  app/
    (auth)/               # Login & registration
    dashboard/            # Dashboard, wallet, contracts, MCCs, marketplace, profile
    api/                  # API routes (contracts, milestones, wallet, auth, proposals)
  components/
    layout/               # Sidebar, TopBar
    ui/                   # Cards, modals, status badges, milestone rows
    wallet/               # Send & receive payment flows
    marketplace/          # Creator cards, offer modals
  config/
    constants.ts          # XRPL config, fees, currencies, MCC taxons
  hooks/                  # React Query hooks (balances, contracts, MCCs, disputes)
  lib/
    xrpl/                 # XRPL client, wallet, escrow, MCC minting, listener
    xaman/                # Xaman SDK wrapper (QR sign, auth, transaction payloads)
    supabase/             # Browser & server clients, dev session management
    crypto/               # Encryption for wallet keys and escrow preimages
    n8n/                  # Webhook client for workflow automation
  stores/                 # Zustand stores (wallet, auth)
  types/                  # TypeScript type definitions

XRPL Features

• Token Escrow (XLS-85) — Lock RLUSD/tokens on-chain with crypto-conditions
• NFTs (XLS-20) — Three MCC taxons: Work Credential (1), License (2), Access Pass (3)
• Trust Lines — Multi-currency support: RLUSD (Ripple, NYDFS-regulated), USD, EUR, USDC, USDT via GateHub issuers
• Crypto-Conditions — five-bells-condition for escrow lock/release
• Planned — AMM (XLS-30), Batch Transactions, Payment Channels, Multi-Sign (2-of-3)
• ZK Privacy (watching) — XRPL Commons + Boundless (RISC Zero) announced ZK proof verification on XRPL testnet (Apr 2026). Phase 1 enables private compliant transactions (~Oct 2026). Phase 2 brings Confidential Multi-Purpose Tokens for RWAs. Game changer for MCC privacy — creators prove credential ownership without exposing contract terms or payment amounts on-chain.

Fee Model

Tests

216 passing tests across 12 suites covering escrow operations, fee calculations, contract lifecycle, milestone state machine, proposal flow, and MCC minting.

npm test

Roadmap

• XRPL client, wallet, escrow, MCC modules
• Database schema with RLS (15 migrations)
• Dashboard with contracts, wallet, MCC portfolio
• Contract creation and milestone state machine
• Xaman wallet connect (QR + deep link + WebSocket)
• Marketplace with briefs, proposals, and negotiation
• Platform fee deduction (0.98% on escrow release)
• Wallet and preimage encryption
• Admin system (5 roles, audit log, permission matrix)
• 216 tests passing
• Google OAuth end-to-end flow
• IPFS/Pinata upload for MCC metadata
• Testnet deployment
• Public profiles and reputation scoring
• Community arbitration panels
• Asset marketplace (creator storefronts)
• Mainnet deployment

Regulatory & Compliance

StudioLedger Pty Ltd (ACN 696 549 809) is enrolled with AUSTRAC as a Virtual Asset Service Provider under the AML/CTF Amendment Act 2024 (Tranche 2).

• VASP architecture from day one — not retrofitted. Compliance is a design principle, not an afterthought.
• AML/CTF Program v1.2 — drafted covering risk assessment, transaction monitoring, KYC/CDD procedures, proliferation financing controls, sanctions screening, escrow custody controls, and incident response.
• Travel Rule compliant — no minimum threshold for virtual asset transfers per AUSTRAC requirements.
• KYC — identity verification required before any on-chain transaction.
• Platform-managed wallets — classified as custodial wallet services. Acknowledged and built into the compliance framework.
• RLUSD position — Ripple bears compliance burden as issuer (NYDFS trust charter). StudioLedger is the facilitator, not the issuer.

License

All rights reserved. Copyright StudioLedger Pty Ltd.

Built by StudioLedger Pty Ltd — studioledger.ai