Problem: Bond financing is too expensive and slow for corporations, and the traditional market lacks liquidity and transparency.

Solution: We provide a platform that allows corporations to quickly issue tokenized bonds (MPTs) on XRPL. Our solution makes this asset instantly liquid and accessible to verified investors.

We combine a centralized backend (Next.js/MongoDB) to handle legal KYC and Smart Escrow on XRPL to manage funds. The money is released to the company only if the fundraising target is met, ensuring a secure and automated "all or nothing" process for the investor.

The future runs on energy, but the systems powering it are falling behind. As AI, automation, and data demands surge, global energy infrastructure built for the last century can’t keep up.

We’re building a protocol that enables Energy Agents, autonomous AI systems, to discover, negotiate, and pay for energy in real time through XRPL.

Today’s energy networks are fragmented. Prices shift by the minute, settlements take days, and coordination between grids remains manual and inefficient. Our protocol allows intelligent agents to communicate directly, share data, and settle transactions instantly on-chain.

This forms the foundation for a self-managing, intelligent energy network where AI systems, energy producers, and grids coordinate autonomously to make global energy smarter, faster, and more connected.

PermiX solves the real problem blocking institutional DeFi adoption: compliance. Banks and financial institutions can't use permissionless DEXs because they violate regulations like MiCA, AML requirements, and age restrictions. PermiX lets institutions create controlled trading environments where only users with verified credentials can trade, with every verification and transaction recorded on-chain for regulators.

XTrace is a complete compliance and safety suite for commercial banks and financial institutions issuing tokenized assets (like stablecoins or tokenized deposits) on the XRP Ledger.

In an on-chain world where funds move 24/7, XTrace provides the tools to meet regulatory obligations (AML/KYC) and respond to fraud. It enables a seamless two-step workflow:

Investigate: The XTrace Visualizer (a "bubble map") allows a compliance officer to trace the flow of funds in real-time. They can start with a central wallet and interactively follow the money trail by double-clicking nodes to "jump" to new accounts, instantly visualizing complex transaction networks.

Act: Once a suspicious account is identified in the visualizer, the officer uses the Compliance Dashboard. They paste the account address to view its KYC status, balance, and freeze status. With a single click, they can take immediate on-chain action to Freeze the account (preventing fund movement) or Claw back illicit funds in cases of confirmed fraud or theft.

This loop from investigation to action gives institutions the power to operate safely and confidently on-chain.

Our implementation is based on a multi-party scheme derived from a functional encryption framework that we developed. This design ensures that servers can act dishonestly only if they collude and exchange their secret values. By increasing the number of independent servers, the system becomes even more resilient to collusion. When servers operate independently, the scheme remains secure under the Discrete Logarithm Assumption. Moreover, by integrating homomorphic encryption, we can modify ciphertext values directly without decrypting them. The validation process has been adapted from the BLS scheme, enabling the network to verify the speed values computed by the servers. With this implementation, the game creator can define the game’s core function in the form g^sum(xizi) mod p, allowing different functional behaviors and settings to be applied flexibly across game instances.

MeltyFi is a decentralized NFT liquidity protocol built on XRP EVM Sidechain that revolutionizes how NFT holders access liquidity, it takes inspiration from Willy Wonka's chocholate factory. Traditionally NFT loans are slow and underpaied, some protocols even carry a liquidation risk for the borrower, that is the possibility of the NFT being automatically sold when its value decreases too much. By creating a lottery-based marketplace, MeltyFi enables much faster loans, even partially fulfilled ones, and completely erases liquidation risk, it rewards users for they good behavior and gamifies lending. It is built leveraging some unique features of XRP.

F1-AI is an innovative racing simulation system that leverages advanced cryptographic techniques to maintain complete privacy during computation. The system uses Fully Homomorphic Encryption (FHE) to enable Formula 1 race simulations where car characteristics and performance metrics remain encrypted throughout the entire computation process. Five independent judges collaboratively generate encrypted car data through distributed key generation, ensuring no single party can access sensitive information. The system computes car velocities using the quadratic form S = t^T W t on encrypted data, then uses threshold decryption requiring all judges to reveal final race results. Cars can be "trained" through encrypted parameter updates to improve performance, all while maintaining cryptographic privacy guarantees.

The project shows how the chosen protocol could be done in order to exchange data withouth making both the client and the server aware of actual car flag vector values nor speed function explicit formula. For the random initial car array, the two parts generate a random array each one, then it is encrypted locally with the same Paillier Cryptosystem Key. Client & Server do not have the corresponding private key. The two random encrypted arrays are then matemathically combined, in order to take advantage of the homomorphic property of Paillier Cryptosystem, obtaining one common initial vector for the user car, without being able to get back to the explicit values.

Tokena is a platform that enables the issuance and management of real-world asset (RWA) tokens on the XRPL Devnet using the new Multi-Purpose Token (MPT) standard. The issuer creates an MPT issuance with the flags CanTransfer | RequireAuth | CanClawback, ensuring controlled distribution, regulatory compliance, and recoverability. Authorized buyers participate by sending an XRP payment from their Xaman wallet with a memo in the format PAY-ASSET|issuanceId|nonce|units. The backend automatically detects and validates these payments through a real-time XRPL listener, registers them in memory (pendingSales), and allows the issuer to settle them, triggering the on-chain transfer of MPT units. All investor actions occur directly on-chain through native XRP payments.

XRise is a decentralized investment platform that connects startups and investors through smart escrow contracts powered by the XRPL blockchain. It ensures trust, transparency, and automation in early-stage funding by releasing funds only when project milestones are met.

Key Features: Secure authentication with JWT for investors and startups Campaign creation, tracking, and management for startups On-chain escrow investments for investors XRPL integration for wallet generation, token creation, and Testnet transactions Real-time transaction verification on XRPL Scalable modular architecture with separate frontends and a unified backend

Technical Stack: Backend: Node.js, Express, Prisma ORM, PostgreSQL Frontend (2 apps): React with Vite (Investor UI and Startup UI) Blockchain: XRPL (Testnet integration for wallets and transactions) Security: JWT authentication, Helmet, Rate limiting, CORS policies Logging and Monitoring: Winston, Morgan, and custom middleware Environment management: dotenv configuration API Design: RESTful endpoints for authentication, campaigns, investments, and XRPL

How It Works:

1. A startup registers and creates a campaign with specific funding goals.
2. Investors fund the campaign, and their money is locked in an XRPL smart escrow.
3. When project milestones are reached, the funds are automatically released.
4. All transactions are verifiable on the XRPL Testnet.

XRPL Integration: Testnet server: wss://s.altnet.rippletest.net:51233 Wallet generation endpoint: /api/xrpl/wallet/generate Transaction lookup: /api/xrpl/tx/:hash Balance check: /api/xrpl/balance/:address

Architecture: Frontend (Startup) → Frontend (Investor) → Backend (Express API) → PostgreSQL Database → XRPL Blockchain (Smart Escrow, Wallets, Tokens)

Security Highlights: Encrypted JWT-based sessions Strict CORS and Helmet security headers Global rate limiter for API protection Centralized error handling and structured logging

Vision: XRise aims to redefine startup funding by creating a trustless and transparent bridge between investors and founders, making blockchain-backed fundraising accessible, secure, and efficient.

ZKProofPay is a trustless conditional payment protocol built on XRPL's EVM sidechain that uses zero-knowledge proofs to automate escrow settlements while preserving complete privacy. It allows funders to lock payments with specific conditions (course completion, impact metrics, credentials, etc.) and recipients to claim those payments by submitting cryptographic proofs—without revealing any personal data.

The core innovation: You can prove you meet the payment conditions without showing what those conditions are based on. A student can prove course completion without sharing grades, identity, or academic records. An NGO can prove 1,000 trees were planted without revealing exact GPS coordinates. A contractor can prove work quality without exposing proprietary methods.

ZKProofPay is the first solution to deliver all three simultaneously: ✅ Privacy: Zero data exposure (not "encrypted" or "pseudonymous"—literally nothing revealed) ✅ Verification: Cryptographic certainty (not "probably true"—mathematically proven) ✅ Automation: Instant, trustless execution (not "fast for centralized"—truly decentralized)

Before ZKProofPay: Choose 2 of 3 Fast + Verified = No Privacy (centralized databases) Private + Fast = No Verification (trust required) Private + Verified = Not Fast (manual processes)

With ZKProofPay: Get all 3 via zero-knowledge mathematics 2. Unique Market Position No direct competition exists at the intersection of:

Traditional escrow platforms (Escrow.com, Shieldpay) → Have scale but zero privacy, full manual processes ZK privacy platforms (Aleo, Aztec, zkSync) → Have privacy tech but focus on general DeFi, not specialized conditional payments XRPL EVM ecosystem → Building DeFi primitives but no privacy layer yet

We're the only player combining: Zero-knowledge proof verification Conditional payment automation XRPL's payment-optimized infrastructure Real-world use case focus (not theoretical DeFi)

Our project is a simple platform that allows anyone to issue and receive on-chain XRP Credentials. An organization or user logs in with their XRP wallet, fills a short form, and issues a credential to one or more participants — for example, hackathon certificates, attendance badges, awards, or role-based credentials.

When the recipient logs in with their wallet, the platform automatically detects any credentials issued to them. In one click, they claim and receive the credential on XRPL.

The goal is to provide a universal and flexible credential system, compatible with multiple use cases, easy to adopt, and fully based on native XRPL features.

We also think we can leverage the URI of credential to point to dynamic NFTs that define the identity of the user or to DID (digi id)

Our project solves the core problem of trust and privacy online gaming using blockchain technology. The ZK-proofs guarantee that the player followed the rules and the contracts verifies it impartially. We're combining the NFTs (for ownership) ZK-Snarks (for private game logic) and Commit-Reveal (for race strategy). We've used the Gemini AI for Coding Support and the relations between all the parts of our protocol.

Execute game.py to play the game. The major part of the code is in protocol.py

Please refer to the report for theoretical description and github technical details

PROTOCOL FLOW

1. Setup (done by minimal trusted external program)

• Fix a prime p.
• Generate signing keys (f1,v1) (Ed25519).
• Generate HE (BFV) keys with Pyfhel: public keys p1,p2,p3 and private key k1.
• Distribute p1,p2,p3 to server and players; keep k1 only in the external program.
• Build a hidden quadratic speed polynomial P by sampling 66 coefficients in Zp (because a quadratic over 10 variables has 66 terms and the ten components of the car vector are used as the variables).
• Encrypt and distribute the encrypted coefficients to the server and the users.
• Never store plaintext cars or P (polynomial's coefficients).

2. Registration: For each new player, the external programme generates a random 10-vector with entries in 1,999. Encrypts it with p1, signs with f1 and delivers to the player (no plaintext retained by the programme). From now on, the player owns an encrypted and signed car.
3. Training (up to 9 rounds per player) Per round: Player pays 1 token and submits one of their signed cars to the programme. The programme verifies the signature, generates a random integer 10-lenght vector with entries in −19,19, it encrypts the vector with BFV and adds it to the car vector under homomorphic encryption. The programme signs the resulting encrypted car and returns it to the player. Player evaluates encrypted speed by applying encrypted P to the encrypted car using p1,p2,p3. He sends only the encrypted speed to the external program, which decrypts the scalar and returns the speed value in plaintext. This process lets players iteratively evolve cars while keeping both the previous and the trained car flags and the speed formula secret.
4. Race & public verification To enter the race, a player pays 1 token and publishes the chosen encrypted, signed car to a smart contract. The server collects the published cars, verifies the signatures, evaluates all speeds homomorphically with BFV and sends only the encrypted speed results to the external program for decryption. The final leaderboard (plaintext speeds) is published on-chain.

Problems solved: -Anti-stealing: if two identical encrypted cars appear, only the first published is accepted (blockchain order = ownership). Moreover, the probability that two honest cars generated by the protocol are exactly identical is negligible, so duplicates flag copying. -Auditability: anyone can re-encrypt the published plaintext speeds and check they match the encrypted evaluations for each public car. If an inconsistency is found, the race is invalidated; otherwise the winner receives 100 tokens. -Anti-collusion: as in the training part there is only the interaction between the player and the programme and in the race part the speed is calculated by the server our systems prevents collusion.

We partially used AI (chatGPT, Claude) for the implementation

Racing game with chain plugins.

The project consists of a blockchain-based quiz: each day every user can respond to 10 multiple-choice questions: the first 7 about general culture and the last 3 about blockchain technology. To help everyone learn, each blockchain question includes a short introduction and a detailed explanation that becomes available after you answer. At the end of the quiz, the winners (those who answer all 10 questions correctly) are awarded with a prize pool (in XRP) , and there is also a small consolation prize (in XRP) for participants who get 9 questions right.

F1 AI Racing implements zero-trust competitive gaming through cryptographic primitives ensuring privacy and fairness without trusted parties.

The Problem

Climate action lacks economic incentives for individuals. Despite widespread awareness, most people have no tangible way to monetize their sustainability efforts. Meanwhile, carbon credits and environmental assets remain locked in opaque corporate markets.

Deck: https://docs.google.com/presentation/d/1WaWhyVo1I5H4D5PKzKkpX3Sr1J87HRKVPmQj95Vx0ZU/edit?slide=id.g3ab669228f0_0_87#slide=id.g3ab669228f0_0_87

Our Solution: NexGen

NexGen is the first Liquid Environmental Asset (LEA) exchange built on XRPL, transforming verified real-world sustainability actions into tradeable blockchain tokens.

How It Works

1. Upload Utility Bills - Users upload water or energy bills (PDF/images)
2. AI Verification - GPT-4O and Gemini AI extract and verify consumption data with 95%+ accuracy
3. Baseline Comparison - A hybrid model (85% regional averages + 15% personal history) calculates your reduction
4. Earn Credits - Consumption below baseline earns reward credits
5. Mint Tokens - Convert credits to $WTR (water) or $ENG (energy) tokens on XRPL
6. Trade or Hold - Use tokens in our ecosystem or trade on XRPL DEX

Three-Token Economy

🎮 Regenz: NFT-Powered Sustainability Game

The heart of NexGen's engagement layer is Regenz - an NFT-based virtual pet game where your sustainability actions directly power gameplay.

NFT Creatures

Every Regenz creature is a unique NFT minted on the XRP Ledger:

• 6 Rarity Tiers: Common → Uncommon → Rare → Epic → Legendary → Mythic
• Unique Traits: Each NFT has distinct visual attributes, stats, and abilities
• True Ownership: Stored on-chain, fully tradeable on XRPL marketplace
• Scarcity: Limited editions and seasonal drops create collector value

NFT Egg Hatching System

• Purchase eggs with earned sustainability tokens
• Hatch to reveal your unique NFT creature
• Trade duplicates or rare finds on marketplace

Gameplay Mechanics

NFT Progression

• XP System: Care actions earn XP (100 base, 1.5x multiplier per level)
• Evolution: NFTs evolve at milestone levels, changing appearance and stats
• Breeding (Coming Soon): Combine two NFTs to create offspring with inherited traits
• Staking: Lock NFTs to earn passive $NXS rewards

The Sustainability-Gaming Loop

Save Water/Energy IRL → Earn $WTR/$ENG → Hatch NFT Eggs → Collect Creatures → Level & Evolve → Trade on Marketplace → Continue Saving → Earn More

Your real conservation efforts create real digital value.

CYCLR is a decentralized platform that solves the global waste crisis by turning recycling into a financial investment. We replace the broken "take-make-dispose" linear economy with a circular model where manufacturers, consumers, and recyclers are all financially incentivized to act responsibly.

How It Works The system operates on a "Deposit-Yield-Reward" cycle powered by the XRP Ledger:

The Escrow: When a product is sold, a refundable deposit (from both the manufacturer and the customer) is locked into an XRPL Native AMM pool (XRP/CUSD).

The Yield: Instead of sitting idle, these funds provide liquidity to the ledger, earning trading fees over the product's lifespan (e.g., a 2-year warranty period).

The NFT Passport: The product is minted as an XRPL NFT, which tracks ownership and warranties on-chain.

The Reward: When the product is finally recycled, the original deposit plus the accumulated interest (yield) is withdrawn. This profit is split between the consumer (for recycling), the manufacturer (for eco-design), and the recycling facility.

By leveraging XRPL's speed, low fees, and carbon-neutral consensus, CYCLR proves that saving the planet can be profitable.

Our project is a gamified donation platform that transforms charitable giving into an immersive, rewarding experience. Every donation earns the donor a graphic element that you can place in a village representing the real-world impact of their contribution.

A well construction gradually appears in your virtual village ; once completed, your village grows with new resources and inhabitants.

Each user owns a digital village where their donation come to life.

• New buildings and infrastructure
• Flora and fauna that evolve over time
• Animals interacting with each other
• Levels, quests, and challenges linked to real-world causes
• Leaderboards showcasing top contributors

Gamification Features

• Users earn rewards for recurring donations and milestone achievements
• Challenges and quests encourage continuous engagement
• Social elements allow sharing progress with friends or the broader community

Impact and Benefits

Immediate visibility of impact: Donors see how their contributions make a difference in real time Engaging experience: Gamification incentivizes repeated donations and sustained involvement Transparency for NGO: Organizations gain increased visibility and can show measurable impact Unique personal story: Each donor builds a village that reflects their commitment and achievements

• You receive an elephant NFT
• If the elephant is rescued in reality, your NFT grows, develops new features, and may reproduce
• This process reinforces a direct connection between donation and real-world outcomes

🚀 Why This Platform Stands Out

• Combines charity, blockchain, and gamification for a unique donor experience
• Turns donations into tangible, interactive assets
• Creates a motivating, visual representation of each donor’s impact
• Fosters a sense of community and achievement
• Bridges virtual engagement with real-world change

PrevHero is the 21st-century health companion: simple, smart, and motivating. Our mission is clear: help everyone prevent rather than treat by turning often-forgotten health habits into easy, trackable routines that are actually rewarding. From vaccines and screenings to regular check-ups and mental health follow-ups, PrevHero guides users at every step, with personalized reminders that make prevention effortless and stress-free.

The real innovation? XRPL blockchain. Every validated action, like a flu shot or a cancer screening, becomes a secure, verifiable, portable digital certificate. These certificates can be used as proof for doctors, insurance companies, travel, or workplaces, while keeping users fully in control of their own data. Actions also earn points redeemable for health insurance discounts, pharmacy vouchers, donations to health charities, or premium health content. For those seeking a private record, PrevHero offers a decentralized health ledger: a timestamped, encrypted history fully controlled by the user.

We know traditional gamification often fails: childish avatars, public leaderboards, or meaningless points don’t work. PrevHero focuses on what really motivates: smart, personalized reminders, tangible rewards, visible collective impact, administrative simplification, and gentle gamification with discreet badges, streaks, and personalized goals. The interface is clean and credible, inspired by Apple Health: a clear dashboard tracks vaccines, screenings, check-ups, and unlocked rewards without clutter or distraction.

Our vision is simple: make prevention a positive and rewarding experience. With PrevHero, users know exactly where they stand, receive tangible encouragement, and can securely share verified certificates. Partnerships with health insurers, pharmacies, medical centers, and employers enhance the app’s practical value while supporting public health.

The expected impact is significant: increase vaccination and screening rates, reduce preventable diseases and associated costs, and give individuals real ownership of their health data. PrevHero transforms medical prevention into a simple, motivating, and secure journey. Every action counts, is valued, and benefits both the user and public health. With PrevHero, taking care of yourself is clear, easy, and rewarding.

GrowFi is a Web3-powered platform that allows anyone to co-own & co-grow sustainable urban hydroponic farms. Each container represents a crop (basil, lettuce, tomatoes, peppers, leafy greens, pepper among other) that are then fractionalized into digital shares on the XRP Ledger (XRPL) using XRPL’s native Multi-Purpose Tokens (MPT) standard.

• Users purchase MPTs to own a portion of a container’s agricultural output. As the plants grow and harvest cycles complete, GrowFi distributes XRP payouts based on proportional ownership and mints ImpactCredits, which represent measurable environmental benefits such as CO₂ avoided, water saved, and food generated.
• The platform makes sustainable agriculture investable, transparent, and community-driven, bringing all the whistles and bells of Web3 with a focus on urban farms with real climate & humanitarian value as it contributes to solving problem of food scarcity.

Our MVP demonstrates the full regenerative loop:

• Co-own a real farming container
• Co-grow through a simulated growth cycle
• Harvest and receive proportional XRP returns
• Track measurable social & environmental impact
• Gamification through Climb community leaderboards

Unblock: Bridging the Blockchain Gap

Only 7% of the world population uses blockchain technology. The rest feel excluded by complexity and jargon. "Unblock" aims to bridge this gap for the next generation.

We have built a facilitated workshop tool designed for high school classrooms. Unlike solitary e-learning platforms, Unblock is an interactive experience led by an instructor. Our solution solves the "abstraction problem" with a technological breakthrough: The Dual-Reality Interface.

• Gamified Frontend: Students engage with a fun, Kahoot-style interface where they unlock levels, earn badges, and trade items.
• Real-Time Ledger: Every in-game action (creating a wallet, swapping coins with someone else) triggers a real transaction on the XRPL Testnet visible on a XRPL block explorer.

Key Features

1. Learning by Doing: Students create their own wallets and manage keys.
2. Financial Safety: Raises awareness about the critical importance of private key management and digital hygiene in a safe environment.
3. Inclusivity: Designed to appeal to everyone—girls and boys, coders and poets—demystifying Web3 beyond the "crypto-bro" stereotype.
4. Sustainable Model: A B2B2C approach where Blockchain companies fund these workshops via CSR (Corporate Social Responsibility) budgets to train future talent.

Why XRPL?

We specifically chose XRPL for its 3-second ledger close time (essential for maintaining the flow of a live classroom) and its Carbon Neutrality (a mandatory requirement for educational institutions).

Transparence is a decentralized, front-end only protocol that enables anyone journalists, NGOs, citizens, to upload visual evidence (images, videos, PDF documents), tag it with geolocation and metadata, and record an immutable proof of existence on the XRP Ledger (XRPL). Files are stored off-chain on IPFS (via Pinata), and the proof metadata (CID, URL, coordinates, tags, timestamp, media type) is committed on-chain in a dedicated memo format. A map-based web client visualizes all public proofs worldwide.

Transparence solves the problem of fragile digital evidence: in many contexts conflict zones, censored countries, oppressive regimes media evidence can be deleted, blocked, or lost when it relies on centralized platforms or private servers. Decentralized storage on IPFS for media makes videos extremely hard to block or censor, and Transparence makes proof resilient, censorship-resistant, global, and verifiable.

aXes: Democratizing Truth through Decentralized Earth Observation

Introduction: Truth is Locked

In a world plagued by climate crises, geopolitical conflicts, and disinformation, access to ground truth is vital. Yet, today, this truth is inaccessible. Satellite imagery is reserved for an elite: too expensive, too slow, and too exclusive.

Our project, aXes, was born from a simple realization: we cannot leave the world in darkness. We are building the first Decentralized Earth Observation System.

The Problem: An Obsolete and Unfair Model

Currently, obtaining a satellite image is an ordeal reserved for governments or massive corporations.

• Prohibitive Cost: The standard rate is approximately $5,000 for a 25 km² area.
• Unacceptable Delays: One often has to wait up to 3 months to receive the data.
• Dangerous Exclusivity: This data is inaccessible to NGOs and citizens who need it most.

The aXes Solution: A Real-Time World Map

aXes revolutionizes access to space by transforming the economic model.

The Old Method vs. The aXes Method:

• Area Size: 25 km² block (Old) vs 1 single "tile" (aXes)
• Cost: $5,000 per order (Old) vs $2.50 per unit (aXes)
• Access: Elite Only (Old) vs Open to All (aXes)

This atomization of cost allows any individual or organization to fund the observation of a specific area.

How It Works

1. Micro-payment: A user pays a few dollars in XRP to target a specific area.
2. Capture: A partner satellite receives the order instantly and captures the image.
3. Reveal: The image "tile" is unveiled on the public grid, accessible to all.

Technology: The Power of the XRP Ledger

Speed and trust are essential. That is why aXes is powered by the XRP Ledger.

• Instant Payments: XRP enables cross-border micro-transactions in less than 3 seconds.
• Tamper-Proof Certification: Each image is hashed on-chain and delivered as a timestamped NFT to guarantee authenticity.
• Guaranteed Scheduling: Future reservations use smart contracts (escrow). Funds are released only when the satellite successfully performs its mission.

Use Cases: Turning Information into Action

aXes is a concrete humanitarian and geopolitical tool:

• Natural Disasters: Immediate damage assessment.
• Conflict Monitoring: Objective truth on troop movements to counter propaganda.
• Humanitarian Logistics: Visualizing infrastructure status for aid delivery (e.g., Food Packs).

Our Vision: aXes Reality

Our ambition is to transform every citizen into an "agent of truth." By making Earth observation accessible, affordable, and certified, we are breaking the information monopoly.

With aXes, truth is no longer a luxury—it is a common good, verified on-chain.

Root is an international digital identity platform for refugee children, built on blockchain technology and aligned with major conventions on refugees and children's rights. Its objective is simple yet vital: to ensure that no child loses their identity or their story because a document is lost, a border is crossed, or an administrative system changes.

In practical terms, the solution creates a secure wallet for each child containing key documents—schooling records, health records, protection orders, proof of presence—issued by trusted partners (NGOs, schools, healthcare facilities, international agencies, and partner authorities). These documents are stored as verifiable evidence: the data remains off-chain, close to the ground, while the blockchain guarantees the integrity and authenticity of each document. The child and their guardians can thus present, in any host country, a reliable and verifiable history of their identity and journey, facilitating access to education, healthcare, and legal protection.

MILLION+ is a decentralized freelance platform connecting clients with skilled professionals for both local and online services. From home repairs to software development, users hire talent and pay securely using the MILLION+ token. Buy tokens directly with fiat or through crypto exchanges—no middlemen, lower fees, instant global payments.

Green Bound - Project Description

What is Green Bound?

Green Bound is a decentralized crowdfunding platform that connects institutions with investors to fund environmental and social impact projects. Built on the XRP Ledger, it provides a transparent, secure, and automated way to raise funds and distribute rewards.

The Problem

Traditional green bond issuance is complex, expensive, and often inaccessible to smaller institutions. Investors face challenges in tracking how their money is used and when they'll receive returns. The process lacks transparency and involves multiple intermediaries.

Our Solution

Green Bound simplifies green financing by creating a direct connection between institutions and investors through blockchain technology. The platform automates the entire process from fundraising to reward distribution.

How It Works

For Institutions

Create a Project

• Define your environmental or social project
• Set the funding goal (number of tokens)
• Determine the price per token in XRP
• Launch your fundraising campaign

Manage Rewards

• Create time-locked reward pools with a specific unlock date
• Set conditions based on project success
• Track all investments in real-time
• View detailed investor information

Flexible Options

• Refund investors if the project needs to be cancelled
• Close successful campaigns automatically
• Transparent reporting for all stakeholders

For Investors

Discover Projects

• Browse active environmental and social impact projects
• See real-time progress and funding status
• Review project details and token economics

Invest Simply

• Choose how many tokens to purchase
• Pay directly with XRP from your wallet
• Receive tokens instantly upon payment
• Track your investment progress

Receive Rewards Automatically

• Rewards are distributed proportionally to your investment
• No manual claims needed
• Transparent distribution based on institution performance

Key Features

Goal-Based Incentives The platform implements a unique accountability mechanism:

• If the institution achieves the project goals: 80% of rewards go to investors, 20% to the institution
• If goals are not met: 100% goes to investors as a penalty, encouraging institutions to deliver on their promises

Complete Transparency

• All transactions are recorded on the blockchain
• Real-time tracking of funds and investments
• Clear view of who invested how much and when
• Public verification of all distributions

Security First

• Funds are locked until the specified unlock date
• No single party can access locked funds prematurely
• Automatic, proportional distribution eliminates human error
• Immutable record of all transactions

User-Friendly Experience

• Simple interface for both institutions and investors
• No technical blockchain knowledge required
• Instant confirmations and notifications
• Clear progress tracking and reporting

Use Cases

Renewable Energy Projects Fund solar, wind, or hydroelectric installations with transparent reward distribution to supporters.

Reforestation Initiatives Raise capital for tree planting projects with milestone-based rewards for investors.

Clean Water Programs Finance water purification and distribution systems in underserved communities.

Sustainable Agriculture Support organic farming and sustainable food production projects.

Carbon Offset Programs Fund verified carbon reduction projects with trackable impact and returns.

Benefits

For Institutions

• Lower costs compared to traditional bond issuance
• Access to a global pool of impact investors
• Automated compliance and reporting
• Built-in accountability mechanisms
• Direct relationship with investors

For Investors

• Direct impact on environmental and social projects
• Transparent use of funds
• Automated reward distribution
• Lower minimum investment amounts
• Real-time portfolio tracking
• Protection through goal-based incentives

For the Environment

• More funding available for critical projects
• Faster project launches due to reduced overhead
• Greater accountability for project delivery
• Increased participation in environmental initiatives
• Measurable impact tracking

Why Green Bound?

Green Bound removes barriers between those who want to fund positive change and those who want to create it. By automating trust through blockchain technology, we make green financing accessible, transparent, and accountable. Every investment is tracked, every reward is distributed fairly, and every institution is incentivized to deliver on their environmental promises.

The platform doesn't just move money—it builds trust, ensures accountability, and accelerates the transition to a sustainable future.

Azapay is a payment app built for places where internet connectivity is unreliable. In many regions, digital payments fail exactly when people need them the most, for example during outages, in rural areas, or in busy cities where the network drops.

Azapay removes this problem by allowing users to send money both online and offline. When online, it works like a normal modern wallet. When offline, the app silently sends a small SMS in the background containing the transfer details. The backend processes the message and completes the payment on XRPL.

The user doesn’t change anything: they tap Send, and the money arrives, no matter the connection.

Azapay makes digital payments dependable, simple, and always available.

Lien git hub application web : https://github.com/Bamatthieu/impact-identity lien git hub application mobile : http://github.com/DrDreeAI/appzencity

Description générale

La plateforme permet aux bénévoles de déclarer des actions réalisées pour des associations ou organismes à but non lucratif. Chaque action soumise est examinée par un administrateur qui peut la valider ou la refuser. Lorsqu’une action est validée, le système génère une preuve numérique sous forme de NFT et attribue un point d’impact à l’utilisateur. Ces éléments constituent une identité d’engagement consultable via un profil public qui regroupe toutes les actions reconnues et le score total d’impact. L’objectif est de rendre les initiatives solidaires vérifiables, traçables et valorisables pour les associations, les collectivités, les étudiants, les bénévoles et les recruteurs.

XRPLabel is a transparent marketplace that uses XRPL blockchain to improve traceability and certification of agricultural products while ensuring fair payment for all actors.

The Problem 40% of organic and AOP labels in France are fake or fraudulent. Agricultural revenues are declining year after year. The root cause: too many intermediaries in the supply chain, each adding margins and opacity.

Our Solution We built a decentralized platform where every actor (farmer, producer, lab) is verified and every transaction is recorded on-chain.

How It Works

1. Actor Registration: Each actor presents a recent audit proof to join the network. They receive a Verifiable Credential (VC) based on their role (Farmer = Seller, Producer = Buyer, Lab = Certifier) giving access to their dedicated dashboard.
2. Harvest Creation: When a farmer harvests, they create an NFT containing metadata about the harvest and an encrypted image that will be used later for verification.
3. Offer System: Producers can view non-encrypted NFT data and make offers if interested.
4. Transaction Flow: When a farmer accepts an offer, a Dynamic Multi-Purpose Token (MPT) with multisig is created, including the lab as a signing party. The MPT is sent to the lab.
5. Certification: Once the producer receives goods and creates the product, the lab analyzes it and decrypts the NFT image to verify the farmer's credentials. The lab then signs the MPT, validating the entire chain.

Key Advantages

• Transparency: Every step signed and traced on-chain. No fraud possible.
• Fair Payment: Remove intermediaries. Money goes directly to farmers.
• Easy Traceability: On-chain history visible to all actors.

Roadmap

• Phase 1: Farmer dashboard, producer offers, lab certification
• Phase 2: QR codes on products for customer verification
• Phase 3: On-chain payments and European expansion

XRPL Impact Infrastructure — Institutional Whitepaper (≈ 5,000 words)

A Trust Framework for Automated, AI-Verified, and Transparent Philanthropic Funding on the XRP Ledger

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1. Introduction: A New Standard for Impact Transparency

In recent years, the global philanthropic and development sectors have faced mounting pressure to enhance transparency, accelerate fund disbursement, and eliminate operational inefficiencies that undermine the trust between donors and beneficiaries. Traditional grant-making processes often require weeks or months of administrative review, multi-layered verification mechanisms, and the involvement of multiple intermediaries. These delays frequently hinder the timeliness and effectiveness of interventions, especially in contexts where rapid deployment of capital is essential.

Simultaneously, technological advances—specifically in distributed ledger systems, decentralized finance, and artificial intelligence—have created unprecedented opportunities to design funding infrastructures that are more secure, more efficient, and more accountable than traditional models.

This whitepaper introduces the XRPL Impact Infrastructure, an integrated ecosystem built on the XRP Ledger (XRPL) that combines: • Smart Escrow technology (XLS-100) • Real-time transparency via an interactive Impact Map • AI-driven decision mechanisms (the “Trust Optimizer” RL agent) • A Human-Verified Oracle Layer (photo + GPS + signature) • Automated liquidity optimization through XRPL AMM pools • AI Photo Validator (computer vision model) to verify field evidence before fund release • Institutional-grade governance, compliance frameworks, and clawback capabilities

This architecture enables an end-to-end pipeline in which philanthropy, development finance, and community impact funding can occur with a level of reliability and accountability previously unattainable. Funds are not simply transferred and hoped to be used correctly: they are conditionally unlocked only when verifiable evidence confirms that the intended project milestones have been met.

The XRPL Impact Infrastructure therefore represents a fundamental evolution of global impact financing: a system that is programmatically enforced, AI-verified, and transparent by default.

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2. System Overview: From Donation to Verified Impact

At the heart of this framework lies a pipeline that ensures that every donated unit of value remains traceable, conditionally locked, and securely monitored until its intended purpose is fully validated. The sequence is as follows: 1. The donor contributes funds through the XRPL Impact Map. 2. Funds are placed into a Smart Escrow (XLS-100) with predefined conditions, deadlines, and fallback (clawback) parameters. 3. While locked, funds can optionally generate yield through an XRPL AMM Liquidity Pool without sacrificing safety or availability. 4. A local Human Oracle submits photo evidence, GPS coordinates, and digital signature proving project completion. 5. The AI Photo Validator performs image integrity checks, content analysis, and context verification. 6. The AI Trust Optimizer, a Reinforcement Learning (RL) agent, assesses all available data to recommend “unlock” or “deny”. 7. The XRPL Commons Network provides oversight and on-the-ground community verification. 8. If conditions are met → Escrow unlocks automatically, funds flow to the local entrepreneur or organization. 9. If not → A clawback mechanism returns funds to the donor. 10. Upon successful completion, a “Proof of Impact” NFT is minted for the donor, representing a verifiable digital certificate.

This process creates a fortified trust layer where human validation, AI analysis, and blockchain automation converge to eliminate fraud, accelerate deployment, and provide donors with measurable guarantees.

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3. Donations and Transparency: The XRPL Impact Map

The XRPL Impact Map is the public-facing transparency layer of the system. Designed as an interactive global dashboard, it allows stakeholders—including donors, NGOs, institutions, and regulators—to monitor the lifecycle of each project.

3.1. Map Features • Color-coded project markers (pins) • Yellow: Funds locked in escrow awaiting validation • Green: Project successfully validated • Red: Validation failed or deadline expired → Funds returned to donor • Real-time updates synchronized directly from on-chain data • Project metadata available via clicks, including: • Beneficiary information • Funding amount • Timeline and milestones • Verification evidence (photo, GPS, timestamp) • Escrow parameters • Funding source and destination wallets

3.2. Institutional Transparency Standards

For institutions, the Map provides: • Auditable history of all transactions • Exportable project logs for compliance, accounting, ESG reporting • Open access API enabling external dashboards, donor portals, or government audits • Regulatory-grade traceability

This interface captures one of the core goa

Each YAID vault is a dedicated XRPL account accepting XRP or tokens and issuing 1:1 vault tokens representing user shares. Deposits are detected via WebSocket, vault tokens issued, and funds deployed into XRPL AMM pools. LP tokens accrue yield through trading fees. Periodically, a portion of LP tokens is withdrawn, converted to underlying assets, and sent to the NGO wallet stored in vault metadata. Withdrawals burn vault tokens and return proportional assets. A registry account tracks all vaults via trustlines. Only XRPL native features are used: accounts, payments, trustlines, issued tokens, AMM operations, and domain metadata. No smart contracts are required. All transactions are on-chain and auditable.

Our project is a digital platform designed to empower local micro-associations by enabling anyone to donate easily, securely, and transparently. It ensures that every donation goes directly to the intended cause, providing donors with real-time tracking and verifiable impact. By leveraging technology such as XRPL for instant, tamper-proof transactions, we increase trust, visibility, and efficiency, while highlighting the tangible actions of small associations often underfunded and overlooked. Our solution bridges the gap between motivated donors and grassroots initiatives, fostering a new generation of giving that is simple, reliable, and globally accessible.

Fair Work est une application on-chain construite sur la blockchain XRPL, conçue pour renforcer la confiance entre travailleurs intérimaires et agences grâce à une certification transparente des heures de mission.

Les agences publient des missions composées de plusieurs shifts. Les travailleurs peuvent accepter un shift, puis démarrer et terminer leur session via un enregistrement audio court. L’application récupère automatiquement : • l’heure d’entrée et de sortie, • la localisation du travailleur, • les métadonnées du shift, afin de vérifier la cohérence du temps réellement travaillé.

Si un problème survient pendant une mission (désaccord, incompréhension, incident), le travailleur peut le signaler directement via l’application. Une fois le shift terminé, l’agence d’intérim reçoit une proposition de validation : elle peut approuver ou rejeter en un simple glissement.

Lorsque les shifts sont validés, les paiements sont déclenchés en XRPL. Les fonds sont ensuite automatiquement convertis en euros pour simplifier la gestion administrative et assurer des transactions rapides, transparentes et à faible coût.

Fair Work crée ainsi un écosystème de confiance, réduisant les litiges, facilitant la rémunération, et offrant une preuve immuable du travail réellement effectué.