NETTEN
Non-custodial payments built for solopreneurs — send, get paid, and pool savings on the XRP Ledger, settled in seconds, with nobody but you holding the keys.
A startup from Portland, the United States that is founded by Jermaine Ulinwa.
Non-custodial payments built for solopreneurs — send, get paid, and pool savings on the XRP Ledger, settled in seconds, with nobody but you holding the keys.
A startup from Portland, the United States that is founded by Jermaine Ulinwa.
This page is designed to help you find out whether NETTEN is good and if it is the right choice for you.
NETTEN is a non-custodial payment platform built for solopreneurs and small business owners, settling in RLUSD on the XRP Ledger.
Core features:
Send — instant peer-to-peer transfers using @handles instead of wallet addresses Get Paid — payment links, itemized invoicing, an embeddable checkout button, and platform integrations with Shopify, WooCommerce, and Square Circles — pooled group savings, milestone-based deposits, and automated tax set-aside, enforced natively on the XRP Ledger's escrow Net Ten Rewards — a loyalty ladder earning RLUSD on real transaction activity
NETTEN is fully non-custodial — funds settle wallet-to-wallet, and NETTEN never holds or has independent control over user funds at any point. Fiat on/off-ramp conversion is handled entirely through licensed third-party partners.
Pricing: Free tier at 2% per transaction. Paid tiers (Pro, Elite) lower the rate to 1% and 0.5%. A limited Founding tier ($11/month, capped at 111 seats) locks in early support at 1%.
Built for developers too — a real API with scoped keys and webhook events for payment-link and invoice activity, designed to integrate cleanly with external tools like CRMs.
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Magic Link Authentication
Passwordless email-based login — no stored credentials, no password breach risk, secure single-use sign-in tokens
CSV Export
tax-ready transaction records
Invoice Generation
create and send professional invoices to clients
Merchant Dashboard
transaction history and volume overview
Net Ten Effect
automatic RLUSD reward every 10 transactions
Pay Link
shareable URL that triggers a crypto payment request
QR Code Generation
merchant generates and displays, client scans and pays in person
XRPL Wallet Connection
connect existing or auto-create new wallet
Multi-Cryptocurrency Support
Accept BTC, ETH, SOL, XRP, RLUSD, XLM, ADA, HBAR — auto-converted to RLUSD at settlement
Card Payment Integration
MoonPay-powered Visa, Mastercard, and Apple Pay acceptance for non-crypto customers
RLUSD Settlement
Settle in regulated USD-backed stablecoin in 3-5 seconds on the XRP Ledger
Non-Custodial Architecture
NETTEN never holds merchant funds — all settlements direct to merchant's own XRPL wallet
Recurring Invoices
Subscription-style automatic billing for retainer and SaaS merchants (Pro+)
Custom Branding
Logo, colors, and fonts on invoices and pay pages (Pro+)
Ambassador Referral Program
Earn $10 RLUSD for each merchant you refer who upgrades to Pro
Multi-Wallet Routing
Route different pay links to different XRPL wallets for project segmentation (Pro+)
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Netten is the only payment platform built natively on the XRP Ledger that combines professional crypto invoicing, instant RLUSD stablecoin settlement, and a built-in loyalty mechanic — the Net Ten Effect — that automatically rewards merchants every 10 transactions. Unlike custodial platforms, Netten never holds your funds. Every payment settles directly to your XRPL wallet in 3–5 seconds. The name itself contains the mechanic: Net Ten. It reads the same forwards and backwards.
Freelancers, independent creators, and small business owners who want to accept cryptocurrency payments professionally without sharing a raw wallet address, without custodial risk, and without paying 3–5% to platforms that didn’t do the work. Early adopters include photographers, designers, developers, consultants, and merchants ready to accept digital assets before mainstream adoption arrives.
Netten was built from a single observation: the freelance economy generates over $1.27 trillion annually in the United States alone, and the people doing that work are systematically overcharged to receive payment for it. The founder, a systems architect and creative professional, built Netten to solve a problem he experienced directly… wanting a professional, non-custodial way to accept crypto payments without the friction of existing tools. Built solo on the XRP Ledger with no external funding, Netten launched as a live early-access product with verified XRPL test-net integration, 19/19 tests passing, and zero security vulnerabilities.
- Next.js (React) - frontend
- Fastify - API server, hosted on Railway
- Prisma + Neon PostgreSQL - database
- XRP Ledger - settlement layer (mainnet + testnet)
- RLUSD - regulated USD-pegged stablecoin settlement asset
- XRPL Webhooks with idempotent reconciliation queue
- Automated RLUSD trust line management for new wallets
Currently onboarding founding beta testers via netten.app - Initial cohort includes freelancers and independent creators - Small business merchant segment launching with POS integration
Netten helps freelancers, creators, merchants, and small business owners keep more of their earnings. Most payment platforms take 3–5% of every transaction and hold your funds for days. Netten charges a flat platform fee starting at 1% and never holds your money. Every payment settles directly to your XRPL wallet in seconds.
Every 10 transactions, the Net Ten Effect automatically deposits RLUSD rewards to your wallet - no claiming, no notification. You just find money there. The reward doubles each quarter, capping at $2.00 per 10 transactions.
Your funds are yours the moment payment confirms. Sweep to your bank, let it accumulate, or earn yield on the XRP Ledger. No intermediary stands between you and your earnings.
We have collected here some useful links to help you find out if NETTEN is good.
Check the traffic stats of NETTEN on SimilarWeb. The key metrics to look for are: monthly visits, average visit duration, pages per visit, and traffic by country. Moreoever, check the traffic sources. For example "Direct" traffic is a good sign.
Check the "Domain Rating" of NETTEN on Ahrefs. The domain rating is a measure of the strength of a website's backlink profile on a scale from 0 to 100. It shows the strength of NETTEN's backlink profile compared to the other websites. In most cases a domain rating of 60+ is considered good and 70+ is considered very good.
Check the "Domain Authority" of NETTEN on MOZ. A website's domain authority (DA) is a search engine ranking score that predicts how well a website will rank on search engine result pages (SERPs). It is based on a 100-point logarithmic scale, with higher scores corresponding to a greater likelihood of ranking. This is another useful metric to check if a website is good.
The latest comments about NETTEN on Reddit. This can help you find out how popualr the product is and what people think about it.
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Is NETTEN good? This is an informative page that will help you find out. Moreover, you can review and discuss NETTEN here. The primary details have not been verified within the last quarter, and they might be outdated. If you think we are missing something, please use the means on this page to comment or suggest changes. All reviews and comments are highly encouranged and appreciated as they help everyone in the community to make an informed choice. Please always be kind and objective when evaluating a product and sharing your opinion.
NETTEN is a non-custodial crypto payment platform built on the XRP Ledger. It lets freelancers and merchants accept any cryptocurrency and settle instantly in RLUSD — a regulated USD-backed stablecoin. No middlemen, no fund holds, no volatility risk. Built for the global creator and freelancer economy.