// MCP TOOL REFERENCE

token-escrow-create

ServerXrpl mcp
CategoryFinancial

WHAT IT DOES

What token-escrow-create does on Xrpl mcp

AI agents use token-escrow-create to commit financial operations through Xrpl mcp — usually the final step of a payment, billing, or trading workflow. A call moves real money.

THE RISK

Critical Risk

Why token-escrow-create needs a policy

Escrow creation locks real digital assets (fungible tokens) on the XRP Ledger, constituting a financial commitment. While not an immediate transfer of funds, it freezes assets and creates binding on-ledger obligations, placing it firmly in the Financial category. Misuse could lock user funds unintentionally or maliciously.

From the tool's definition 'Create an Escrow for fungible tokens' on the XRP Ledger — locks financial assets (Trust Line Tokens or MPTs) into an escrow contract, committing funds/obligations on the ledger

Documented attack patterns abuse exactly the kind of access token-escrow-create gives an agent:

POLICY

How to control token-escrow-create

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 token-escrow-create:

policy.json

{
  "version": "1",
  "default": "deny",
  "tools": {
    "token-escrow-create": {
      "deny_if": [
        {
          "conditions": [],
          "on_deny": "Requires human approval."
        }
      ]
    }
  }
}

Any call to token-escrow-create 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

Related tools and policies

More Xrpl mcp tools

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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 token-escrow-create

What does the token-escrow-create tool do? +

Create an Escrow for fungible tokens (Trust Line Tokens or MPTs) on the XRP Ledger. Requires the TokenEscrow amendment. For Trust Line Tokens, the issuer must have lsfAllowTrustLineLocking enabled. For MPTs, the issuance must have lsfMPTCanEscrow enabled. 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 token-escrow-create? +

Register the Xrpl MCP server in PolicyLayer and add a rule for token-escrow-create: 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 token-escrow-create? +

token-escrow-create 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 token-escrow-create? +

Yes. Add a rate_limit block to the token-escrow-create 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 token-escrow-create completely? +

Set action: deny in the PolicyLayer policy for token-escrow-create. 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 token-escrow-create? +

token-escrow-create 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.

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