WARD DEFAULT PROTECTION PROTOCOL  ·  XRPL  ·  XLS-66  ·  DISCUSSION #474
ALTNET LIVE
TESTS 95/95
TXNS 5
--:--
XRP/USD—| LEDGER—| WARD.SPECv1.0.0| F·01 VAULTLIVE| F·02 CREDENTIALLIVE| F·03 POLICYLIVE| F·04 CLAIMLIVE| F·05 ESCROWLIVE| F·06 EXPIRYLIVE| NFT_TAXON282| ward_signedFALSE| XLS-80✓| XLS-70✓| XLS-20✓| ESCROWPREIMAGE-SHA-256      XRP/USD—| LEDGER—| WARD.SPECv1.0.0| F·01 VAULTLIVE| F·02 CREDENTIALLIVE| F·03 POLICYLIVE| F·04 CLAIMLIVE| F·05 ESCROWLIVE| F·06 EXPIRYLIVE| NFT_TAXON282| ward_signedFALSE| XLS-80✓| XLS-70✓| XLS-20✓| ESCROWPREIMAGE-SHA-256
Protocol
F·00Overview F·01Protocol Spec NETProtocol Architecture APISwagger UI BRDBrand IdentityBRDLive Demo
External
#474Discussion GITGitHub
Unit tests95 / 95
Testnet txns5
Spec versionv1.0.0
ward_signedFALSE
Open Specification · XRPL · XLS-66 Lending Vaults
WARD Protocol
Default Protection Protocol · wardprotocol.org
CORE INVARIANT ward_signed = False
Ward Protocol is an open specification for default protection on XLS-66 lending vaults on the XRP Ledger. When a borrower defaults and a depositor files a claim — Ward defines what happens.

Nine validation checks. No oracle. No human judgment. Ward constructs the unsigned transaction. The institution signs. XRPL settles.
API Reference → Protocol Spec Protocol Architecture Discussion #474
⬡ Protocol Flows
6 FLOWS · ALL LIVE
F·01Vault RegistrationXLS-66LIVE
F·02Credential IssuanceXLS-70LIVE
F·03Policy PurchaseXLS-20LIVE
F·04Claim Filing9-point validationLIVE
F·05Escrow SettlementPREIMAGE-SHA-256LIVE
F·06Policy ExpiryNFT burnLIVE
◈ XRPL Primitives
4 STANDARDS
XLS-66
Lending Vaults
Core vault objects. Ward's primary target.
XLS-80
Permissioned Domains
Institution identity and domain credentials.
XLS-70
On-Chain Credentials
KYC anchoring. XLS-96 confidential balances in v2.
XLS-20
NFT Policy Certs
Taxon 282. Depositor protection instruments.
✓ F·04 Claim Validation
9 / 9 CHECKS
01Vault exists on ledgerPASS
02Policy NFT validPASS
03Policy unexpiredPASS
04Depositor address matchPASS
05Collateral ratio breachedPASS
06No active escrow pendingPASS
07KYC credential validPASS
08Domain credential validPASS
09No duplicate claimPASS
⬡ Testnet Transactions
XRPL ALTNET · 5 CONFIRMED
01A3F2C1D8E9B7044F...VaultCreateCONFIRMED
02B7E4A2F1C9D30881...CredentialCreateCONFIRMED
03C1D9F3A8E2B4552A...NFTokenMintCONFIRMED
04D4B2E7C1F9A31193...EscrowCreateCONFIRMED
05E9A3D4B2C7F16640...EscrowFinishCONFIRMED
Commit 65cba10 · ward_client.py · issue_credential()
Protocol Metrics
Unit tests95 / 95
Test coverage100%
Testnet txns5
Spec versionv1.0.0
Protocol flowsF·01–F·06
Claim checks9 / 9
NFT taxon282
ward_signedFALSE
XRP Live
XRP / USD—
Ledger index—
NetworkMAINNET
System Status
Spec documentPUBLISHED
Test suite95/95 PASS
Altnet deployLIVE
KYC anchoring65cba10
XLS-96 privacyv2 ROADMAP
Mainnet deployPENDING
wardprotocol.org
XLS-66 · XLS-80 · XLS-70 · XLS-20 · NATIVE ESCROW
commit 65cba10
ALTNET LIVE
ward_signed = False