payment-channel-claim

THE RISK

Critical Risk

Why payment-channel-claim needs a policy

This tool claims (withdraws) funds from a payment channel on the XRP Ledger, which constitutes a financial operation involving the transfer of real cryptocurrency assets. It falls under Financial as it moves money/commits financial obligations. The blast radius is critical since misuse could result in unauthorized claiming of funds or draining of payment channels.

From the tool's definition "Claim funds from a Payment Channel on the XRP Ledger" — directly moves XRP funds from a payment channel

Documented attack patterns abuse exactly the kind of access payment-channel-claim gives an agent:

POLICY

How to control payment-channel-claim

PolicyLayer is an MCP gateway — it sits between your AI agents and Xrpl mcp, and nothing reaches the server without passing your rules. This is the rule we recommend for payment-channel-claim:

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "payment-channel-claim": {
      "deny_if": [
        {
          "conditions": [],
          "on_deny": "Requires human approval."
        }
      ]
    }
  }
}

Any call to payment-channel-claim is blocked until a human approves it. The rest of the server keeps working.

Create a free account and register Xrpl mcp — nothing to install.
Add this policy — paste it, or build it visually.
Point your MCP client (Claude, Cursor, anything) at your gateway URL.

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EXPLORE

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Go deeper

Critical-risk tools in Xrpl mcp → Every critical-risk tool this server exposes, in one view.
All critical-risk MCP tools → Every critical-risk tool across the catalogue, and the policy pattern that contains them.
The MCP Attack Database → Documented attack patterns against MCP deployments — and the policies that stop them.
Human-in-the-loop → When a tool call should wait for a person — and when policy can decide alone.
Tool call approval → Approval gates on individual tool calls: auto-allow, prompt, or deny.
How to Add Spending Controls to Any MCP Agent →
Rate Limiting MCP Tool Calls: A Practical Guide →

FAQ

Questions about payment-channel-claim

What does the payment-channel-claim tool do? +

Claim funds from a Payment Channel on the XRP Ledger. It is categorised as a Financial tool in the Xrpl mcp MCP Server, which means it involves financial transactions. Block by default and require explicit approval.

How do I enforce a policy on payment-channel-claim? +

Register the Xrpl MCP server in PolicyLayer and add a rule for payment-channel-claim: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Xrpl mcp. Nothing to install.

What risk level is payment-channel-claim? +

payment-channel-claim is a Financial tool with critical risk. Critical-risk tools should be blocked by default and only enabled with explicit human approval.

Can I rate-limit payment-channel-claim? +

Yes. Add a rate_limit block to the payment-channel-claim rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.

How do I block payment-channel-claim completely? +

Set action: deny in the PolicyLayer policy for payment-channel-claim. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.

What MCP server provides payment-channel-claim? +

payment-channel-claim is provided by the Xrpl MCP server (romthpt/mcp-xrpl). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.

Enforce policy on every Xrpl mcp tool call.

Start from Xrpl mcp, add the rest of your stack, and see everything your agents can call. Then put policy on all of it.

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