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Xero and XRP Ledger integration

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I am a CPA and hear about client remittance issues and see the impact of ridiculous merchant fees on small business daily.  Xero is a leading global cloud accounting software (over 1 million business users) that allows 3rd party integration for settlement of accounts receivable and accounts payable?  I am hoping to hear from a developer whether it would be possible to directly integrate the XRP Ledger as a payment option in Xero.  Here is a link to the Xero API payment integration:


Edited by Hatch

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Yes, that's what the XRP ledger was designed for. The xrp ledger is merely a distributed database for trading, sending and receiving currencies.  

I'm not familiar with Xero. A quick read over seems like it functions a payment portal for clients. 

If all you are doing is accepting payments then it should be very straight forward. As the funds are managed completely by the ledger. 

A payment would be as follows..

You send the client an invoice and attach a public ripple account to receive the funds. 

You would request that the user submit a payment on the xrp ledger to the specified public ripple address of your choice, you can accept any currency you would like so long as there is sufficient liquidity from people trading on the xrp ledger. 

The customer would be instructed to attach the invoice number to the payment as a memo

an example transaction from a developers perspective (there are user interfaces to make this easier)
"TransactionType" : "Payment",
"Account" : "rf1BiGeXwwQoi8Z2ueFYTEXSwuJYfV2Jpn",
"Destination" : "ra5nK24KXen9AHvsdFTKHSANinZseWnPcX",
"Amount" : { "currency" : "USD", "value" : "1", "issuer" : "rf1BiGeXwwQoi8Z2ueFYTEXSwuJYfV2Jpn" },
"Fee": "12",
"Sequence": 2,
"Memos": [ { "Memo": { "MemoType": "687474703a2f2f6578616d706c652e636f6d2f6d656d6f2f67656e65726963", "MemoData": "72656e74" } } ],

The memo type is in hexadecimal and specify the type which would be "invoice", the MemoData would contain the invoice number

The user would then sign this tx with his private key and submit to the xrp ledger network for validation. 

The programming logic on Xero's side would be to poll incoming payments on the xrp ledger and check the invoice number. 

The invoice number needs to be attached to the payment so Xero knows which payment belongs to which invoice. 

Edited by jargoman

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