CreditGate — Private FXRP Credit on Flare

Current-Vault FDC XRPPayment Evidence on Coston2

Status: A real XRPL Testnet payment was attested through Flare FDC, verified by the live Coston2 FdcVerification contract, and closed loan 1 on the vault used by the frontend.

The earlier zero message-integrity code (MIC) request is retained only as a negative operational control. The request below was generated by Flare's verifier and contains a nonzero MIC.

End-to-end evidence

Stage	Evidence
Vault	`0x9a2E0476a02137116C8656786d323d937FaCfBCa`
Loan draw	Coston2 tx `0x96f2d2d728358e132c3da71e4a343bbf265ecf4f7861424a5ec2fcfe0e9beedb`
Loan	ID `1`, collateral `5 FXRP`, principal `0.009 USDT0`, principal quote `8,883 drops`
Commitment	`0xc2d6031fec793217487f842273ab961025a7b0765e746788dd51e30438b7d0d7`
XRPL payment	`E43DB387E6BE299B442E20683AAC9C0D9E3A0A6CF684408B013FAC5E9A77E3FA` — `tesSUCCESS`, `100,000 drops`
XRPL source	`rDWR3JTZjwnPhywxVrqgrrs3Tr4Q2sWujT`
XRPL destination	`rrpBcxxoHZuBWSTT2ZfCwHkQBBdfnLqgbK` (protocol settlement account)
FDC request	Coston2 tx `0x6cedfc97dcdf915ff9d754cf8869e3a3dae442bf0d5768e36bc2549b3f023576`
Finalized round	`1424121`; `IRelay.isFinalized(200, 1424121) == true`
DA response	HTTP 200; raw proof in `evidence/fdc/raw-proof-response.json`
Live verifier	`FdcVerification.verifyXRPPayment(proof) == true`
Vault close	Coston2 tx `0x65b24ffcdceb9ce26fb5c075c62680d802478b8b61f6efac82da0c983cd53ef8`; state `CLOSED`, collateral released, SBT minted

Reproduce verification

forge script script/FDC/VerifyXRPPayment.s.sol \
  --rpc-url https://coston2-api.flare.network/ext/C/rpc \
  --sig "run(string)" evidence/fdc/raw-proof-response.json

The submission script checks the on-chain loan state before broadcasting. Once a loan is CLOSED, it exits successfully without replaying the proof.

Root cause and prevention

Flare's verifier supplies the MIC-bearing abiEncodedRequest. A hand-encoded zero-MIC request can pay FdcHub fees yet not be indexed by providers. The retrieval driver rejects zero-MIC inputs and performs bounded post-finalization DA retries before reporting a provider indexing failure.