01What
Writes an on-ledger check that the recipient can cash later for up to the XRP amount you set. Your balance is untouched until they cash it.
02Why you'd use it
Perfect when the recipient controls the timing: payroll people cash on payday, an invoice is collected when due, or you pay an account whose settings block direct payments (checks respect Deposit Authorization rules at cashing time).
03How
- 1Enter the Destination Address — only this account can cash the check.
- 2Set Max Amount in XRP — the ceiling; they can cash up to this, not more.
- 3Optionally set Expires After in seconds, after which the check becomes void.
- 4Optionally attach an Invoice ID (a 64-character hex reference) to tie it to a bill.
- 5Submit, confirm tesSUCCESS, and share the Check ID from the transaction result with the recipient.
Watch out
- Checks can bounce: if your spendable balance is short when they cash it, cashing fails. A check is a promise, not locked funds — use escrow when funds must be guaranteed.
- Each outstanding check locks 0.2 XRP of your owner reserve until it is cashed, cancelled, or expires.
- The recipient pays a transaction fee to cash, so tiny checks may not be worth collecting.
- An expired check still sits on the ledger holding reserve until someone cancels it.
For example
A company writes ten checks of 500 XRP each on the 25th, dated to expire in 30 days. Employees cash theirs on payday — or later, if they are traveling — and the company's balance only moves as each one is cashed.