Edel Gate makes a payment prove it's allowed before any money moves.
A single checkpoint sits in front of every on-chain payment. It verifies who is paying, whether they're allowed to, screens for sanctions, applies the Travel Rule, and only then settles — in stablecoin, in seconds, with a bank-grade audit trail.
The cast
Five players, one rulebook
Meet everyone in the story. You'll see them again in each flow below.
The human
A verified person who has passed KYC.
The AI agent
Pays on the human's behalf, holds no secrets.
The merchant
Sells an API or service, wants compliant revenue.
Edel Gate
The compliance checkpoint between payer and ledger.
The ledger
XRP Ledger — where RLUSD finally settles.
Flow A · Onboarding
You verify once. You choose how much.
Verify with a Swiss or EU digital identity. You pick what proof to put on-chain — and only the proof, never your raw documents.
Over 18
Prove you're an adult. Issued as the KYC_OVER_18 credential.
Jurisdiction
Prove your country (PoC: Switzerland). Issued as JURID_CH.
Full KYC
Full verified identity. Held encrypted, only used when the law requires.
On-chain credentials are tamper-proof: their type and issuer can't be edited after issuance. Your raw identity documents never touch the ledger.
Flow B · Know Your Agent
When an agent pays, we know whose agent it is
Autonomous agents are about to move real money. Edel Gate ties every agent payment back to a real, accountable human — without the agent ever holding a private key or a KYC document.
AI agent wallet
rAgent7f…K9qP
EDEL_AGENTVerified human principal
rHuman3a…X2mD
KYC verifiedThink of it like a verified signature: the system can prove this agent was authorized by this specific person — without the agent ever holding the person's secrets. The agent never holds the human's KYC credential and never shares a private key. The gate reads the on-chain delegation and traces the agent back to the verified person who is accountable for the payment.
Flow C · The gate
Five checks. One stops everything.
Every payment runs the same five-stage gate, in order. If any stage fails, the payment is refused before a single token moves. Watch a compliant payment settle next to a sanctioned one getting blocked.
1. Know Your Agent
Is this a real agent for a verified human?
2. Jurisdiction
Allowed to transact in this country?
3. AML / sanctions
Sender & receiver not on a denylist?
4. Travel Rule
Above CHF/USD 1000 → identity on file?
5. Settlement
Move RLUSD on the XRP Ledger
1. Know Your Agent
Is this a real agent for a verified human?
2. Jurisdiction
Allowed to transact in this country?
3. AML / sanctions
Sender & receiver not on a denylist?
4. Travel Rule
Never reached — payment already stopped.
5. Settlement
Never reached — payment already stopped.
Flow D · Travel Rule
Privacy by default. Disclosure when the law says so.
Small payments stay private. Cross the CHF/USD 1000 threshold and the FATF Travel Rule kicks in: the merchant can see who really sent the money — for that one transaction. Try the reveal.
No identity disclosure. The merchant sees a settled payment and the on-chain proof — nothing more. Privacy preserved below the threshold.
Originator identity
Because the payment crossed CHF/USD 1000, the originator's full-KYC identity — encrypted at rest — is disclosed to this merchant only, for this transaction only. This is the FATF Travel Rule, satisfied automatically.
Flow E · Settlement & audit
Settles in seconds. Reconciles like a bank.
Once every gate passes, the payment settles in RLUSD on the XRP Ledger. The merchant gets the on-chain proof and a one-click export in the exact format their accountant and bank already speak.
~4 second settlement
RLUSD moves on the XRP Ledger and finalizes in seconds — not days.
On-chain audit trail
Every payment carries a memo and a transaction hash anyone can verify.
ISO 20022 CAMT.053
Export a bank-standard statement straight into accounting or an ERP.
Flow F · On / off-ramp
Fund agents. Cash out revenue.
The gate handles compliant on-chain payments — Transak handles the edges. Humans and agents top up with fiat (on-ramp), and merchants convert revenue back to a bank account (off-ramp). Sandbox only; no real funds move.
Fiat (card / bank)
CHF · EUR · USD
XRP · RLUSD wallet
rAgent7f…K9qP
On-ramp. A human or agent buys XRP/RLUSD with fiat through Transak. The crypto is delivered straight to the wallet — nothing to sign — so an agent is funded and ready to pay through the gate.
Why it matters
In plain English
Money moves at internet speed — so must the rules.
Crypto rails are instant and irreversible. Edel Gate puts the compliance check before the irreversible part, not after.
Agents are about to spend real money.
When software pays for software, someone still has to be accountable. We keep a real human on the hook for every machine payment.
Regulators don't have to take your word for it.
Every payment leaves a verifiable on-chain trail and exports into the same statement format banks already use.
Value flows freely through the gate.
Users fund agents in fiat and merchants cash out in fiat — the on/off-ramp closes the loop between bank money and on-chain settlement.
Where it fits
A compliance layer on top of Ripple's rails
We don't replace the payment rails — we make them safe to use under regulation. Edel Gate sits between the payer and the XRP Ledger.
Payers
Humans & AI agents
Edel Gate
KYA · jurisdiction · AML · Travel Rule
XRP Ledger
RLUSD settlement