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What transfer-token does on Xrpl mcp
AI agents use transfer-token to commit financial operations through Xrpl mcp, usually the final step of a payment, billing, or trading workflow. A call moves real money.
Why transfer-token is rated Critical
This tool moves money or financial assets (tokens on XRP Ledger) from one address to another. Tokens on blockchain networks represent real financial value. An AI agent misusing this tool could transfer user funds to arbitrary addresses, resulting in irreversible financial loss. The combination of the sibling tools (batch-payment, approve-transaction, etc.) confirms this server's financial transaction capabilities.
From the tool's definition Tool name is 'transfer-token' and description states 'Transfer tokens between addresses'. Within the XRP Ledger context (a blockchain with real monetary value), transferring tokens directly moves financial assets between accounts.
Attacks that exploit this kind of access
The rule that runs transfer-token safely
PolicyLayer is an MCP gateway: it sits between your AI agents and Xrpl mcp, and checks every tool call against a rule you set before the call runs. Nothing changes on the server itself. For transfer-token, this is the rule to start with:
Any call to transfer-token is blocked until a human approves it. The rest of the server keeps working.
The button opens the PolicyLayer dashboard: create your workspace, connect Xrpl mcp, apply this rule, and every transfer-token call is checked against it from then on.
Questions about transfer-token
Transfer tokens between addresses. 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.
Register the Xrpl MCP server in PolicyLayer and add a rule for transfer-token: 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.
transfer-token is a Financial tool with critical risk. Critical-risk tools should be blocked by default and only enabled with explicit human approval.
Yes. Add a rate_limit block to the transfer-token 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.
Set action: deny in the PolicyLayer policy for transfer-token. 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.
transfer-token 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.
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