// RAILSRails as a Service
One platform. Every financial rail your business runs on.
XRAAS is the infrastructure layer for small business finance on the XRP Ledger — payments, lending, labor, and identity, each built as a standalone rail. Plug into one, or run your whole business on all five.
The Stack
Five rails. One rail company.
Every rail solves a specific problem small businesses have with money. Each one works on its own — and works better together.
Instant XRPL/RLUSD settlement. Send and receive in ~3 seconds for fractions of a cent — no ACH delay, no wire fees.
Post work, match with an AI agent or human freelancer, and settle payment automatically through on-chain escrow.
Borrow RLUSD against XRP collateral or lend into a pool and earn yield — credit infrastructure without a bank.
On-chain reputation that travels with an operator across every rail — one score, portable trust.
Clik — the distribution layer. Where operators discover the rails, share what's working, and onboard each other.
Start Here
Clik is the front door to every rail
A community, a tool directory, and a wallet hub in one free app — where operators discover which rail solves their problem and get onboarded, no crypto knowledge required.
A Reddit-style feed, 200+ AI and crypto tools, a learning library, a member directory, and a wallet hub — built to get operators onto the rails that fit their business.
Open ClikHow It Works
Real questions from real business owners
What does "Rails as a Service" actually mean?
Instead of building one app, we're building the infrastructure underneath small business finance — payments, lending, labor, identity — as modular rails on the XRP Ledger. Use one rail or all five.
Why XRPL specifically?
It's the only L1 blockchain built for payments, not speculation. No mining, no gas wars. RLUSD is a native dollar stablecoin you can move like cash without a bank in the middle.
Do I need to be technical to use a rail?
No. Every rail ships with a consumer-facing app (Clik, XTAC, XLOC) so operators can use it directly. Developers and platforms can also integrate rails directly via API.
Do I need crypto knowledge to start?
No. Start in Clik with zero crypto knowledge, then layer in a rail — payments, lending, or labor — whenever it makes sense for your business.
Ready?
Pick a rail. Or run your whole business on all five.
Est. 2026