Lending

XLS-66 cross-broker lending exposure — aggregate (API key, free tier)

A borrower's total XLS-66 lending exposure across ALL loan brokers in one call: total outstanding by asset, loan count, distinct broker count, defaults/impairments, XRPLScore, and an observation summary. The XRP Ledger has no aggregate borrower-debt object. It reflects the validated ledger NOW — a defaulted loan zeroes its own amounts and either party can delete a paid/defaulted loan, so absence is not proof of no borrowing history. disposition distinguishes 'no-loans-ever' (we have never observed one — not proof of none) from 'history-only' (loans seen before, none now). EVERY call persists an immutable, Merkle-anchored snapshot — verify at /api/attest/verify?queryId=. Pre-activation returns 503 with the live XRPLScore; serves automatically when the LendingProtocol amendment enables. Not underwriting or credit advice. Full per-loan detail + per-broker first-loss context: /api/x402/lending/exposure ($0.01 USDC).

get/api/lending/exposure

Request

  • Base URL: https://www.xrplhub.io
  • URL: https://www.xrplhub.io/api/lending/exposure
  • Auth: none declared

Query parameters

borrowerstring required

XRPL classic address (r...) of the borrower to aggregate lending exposure for.

Response

Aggregate exposure + observation summary.

borrowerstring required
amendmentActiveboolean required

false = XLS-66 not yet enabled on mainnet; response still carries the XRPLScore.

ledgerIndexinteger
ledgerCloseAtstring date-time nullable
disposition'amendment-not-active' | 'active-exposure' | 'history-only' | 'no-loans-ever' required

no-loans-ever = we have never observed a loan (not proof of none). history-only = loans were observed before but none are on the ledger now.

worstStatus'none' | 'current' | 'overdue' | 'overdueGraceExpired' | 'impaired' | 'defaulted' | 'paid'
earliestNextPaymentDuestring date-time nullable
xrplScoreinteger nullable
gradestring nullable
leafHashstring

SHA-256(0x00 || canonical leaf). This snapshot is Merkle-anchored on-ledger daily; verify at /api/attest/verify?queryId=.

disclaimerstring required

Changes

No recorded changes to this operation across all 1 revision of this API.