Risk Checker
How the score works
The score starts at 20 (baseline: unknown does not mean safe) and adds the points of every rule that fires, clamped to 0–100. Higher means riskier. Bands: under 25 lower, 25–49 moderate, 50–74 elevated, 75 and up high. Every rule that fires is shown with its reason in your results. Holder-share rules exclude AMM pool accounts.
| Rule | Points | Applies to | What it means |
|---|---|---|---|
acct_age_lt7d | +15 | account/token | Account created < 7 days ago |
acct_age_lt30d | +8 | account/token | Account created 7-30 days ago |
acct_age_gt1y | -5 | account/token | Account older than 1 year |
acct_age_gt3y | -10 | account/token | Account older than 3 years (replaces the 1y bonus) |
issuer_clawback | +20 | token | Issuer has the Clawback flag: can seize token balances |
issuer_global_freeze | +25 | token | Issuer has Global Freeze enabled right now |
issuer_no_freeze_green | -8 | token | Issuer set No-Freeze: can never freeze holders |
issuer_can_freeze | +4 | token | Issuer can still freeze individual trust lines (No-Freeze not set) |
issuer_not_blackholed | +6 | token | Issuer keys still active: more supply can be issued / rules changed |
issuer_blackholed | -10 | token | Issuer is blackholed (master disabled, no usable regular key/signers) |
issuer_require_auth | +6 | token | Issuer requires authorization for holders (permissioned token) |
no_default_ripple | +5 | token | Issuer lacks DefaultRipple: unusual for an issuing account |
transfer_fee_gt1 | +4 | token | Transfer fee > 1% |
transfer_fee_gt3 | +12 | token | Transfer fee > 3% (replaces the >1% rule) |
no_amm_no_book | +25 | token | No AMM pool and no XRP order book found |
thin_liquidity | +12 | token | Total XRP-side liquidity < 5,000 XRP |
ok_liquidity | -6 | token | XRP-side liquidity >= 100,000 XRP |
amm_high_impact | +8 | token | Swapping 1,000 XRP through the AMM moves price > 5% |
amm_fee_high | +4 | token | AMM trading fee > 1% |
top1_gt50 | +20 | token | A single non-AMM holder owns > 50% of supply |
top1_gt25 | +10 | token | A single non-AMM holder owns 25-50% of supply (replaces >50%/10% tiers if lower) |
top5_gt80 | +12 | token | Top 5 non-AMM holders own > 80% of supply |
few_holders | +10 | token | Fewer than 20 holders (complete data only) |
many_holders | -5 | token | Over 1,000 holders seen |
frozen_lines | +6 | token | Some trust lines are frozen by the issuer |
dormant_issuer | +4 | token | Issuer has made no transactions in over 1 year |
supply_zero | +10 | token | Currency code not found among issuer obligations (no supply issued, or wrong code) |
wallet_low_balance | +3 | account | Balance at/near the base reserve |
wallet_dormant | +3 | account | No transactions in over 1 year |
wallet_multisig | -3 | account | Account uses a signer list (multi-signing) |
wallet_blackholed | +5 | account | Account is blackholed: funds can never move again |
wallet_is_issuer | +0 | account | Account issues tokens (informational): check each token separately |
wallet_clawback | +10 | account | Account has the Clawback flag set |
wallet_global_freeze | +15 | account | Account has Global Freeze enabled |