{explorerName} checks Explained
++ The {ledgerName} offers many powerful features beyond simple payments — including checks, an underutilized + but highly flexible mechanism for {nativeCurrency} transfers. +
++ In this article, we explain what {explorerName} checks are, when and why to use them, and how you can create + and redeem checks using {xahauNetwork ? 'Xahau Explorer' : 'Bithomp XRP Explorer'}. +
+ +What are checks on the {ledgerName}?
+ ++ A Check is a transaction type that allows one account to promise a payment that can be claimed later by a + designated recipient. +
+ +Unlike ordinary payments that settle immediately, a check:
+ +-
+
- Is created and stored on-ledger until redeemed or expired +
- Requires the intended recipient to claim it — funds do not transfer automatically +
+ A check works like a traditional bank check, but it is created and stored directly on the {ledgerName}, + where its status can be publicly verified. +
+ +When and Why Use checks?
+ ++ Common use cases include: +
+ +Manual claiming of funds
+ ++ checks allow the recipient to decide when to redeem the {nativeCurrency}. The payment does not settle + automatically — the recipient must claim it. +
+ ++ This is useful when a transfer should not be completed immediately, for example pending internal approval or + recipient confirmation. The funds remain in the sender’s account until the check is redeemed, providing + flexibility without locking funds in escrow. +
+Verifiable payment promises
+ +Because the check object exists on-ledger, it acts as a publicly verifiable payment commitment.
+ +Deposit authorization restrictions
+ ++ If the recipient has enabled Deposit Authorization and does not accept direct payments from unknown + accounts, a check provides a practical workaround. Instead of sending funds immediately, you issue a check + that the recipient can explicitly approve and redeem. +
+ ++ By the way, if you need to enable or disable the Deposit Authorization flag, you can do so here:{' '} + Account settings page. +
+ +Sending tokens without an existing trustline
+ +checks are also useful when the recipient has not yet established a trust line for a specific token.
+ ++ A direct Payment would fail if the required trust line does not exist. However, a check can still be + created. Once the recipient sets up the trust line, they can redeem the check using a CheckCash transaction. +
+ +Difference from Escrow
++ Check: Funds remain in the sender’s account until redeemed. Recipient action is required to + claim the payment. Flexible and recipient-controlled. +
+ ++ Escrow: Funds are locked in the ledger until specific conditions (like a time or approval) + are met. Less flexible, but enforces settlement automatically. +
++ + 💡 + {' '} + Learn more about Escrows on {ledgerName} +
+How checks Work
+ +1. Creating a check
+ +The sender initiates a CheckCreate transaction, specifying all the necessary information.
+ ++ Once processed, the {ledgerName} creates a check object. This object can later be removed by either the + sender or recipient using a CheckCancel transaction. +
+ +2. Redeeming a check
+ ++ The recipient redeems the check by submitting a CheckCash transaction, which transfers the funds and deletes + the check object. +
+ ++ Because the funds for a check are not reserved, redemption can fail if the sender’s balance is insufficient + or there isn’t enough liquidity to complete the transfer. In such cases, the check stays on the ledger, and + the recipient can attempt to cash it again later, either for the same or a different amount. The recipient + can choose how much of the check to claim, but if he receives less than the full amount on the first + attempt, there is no second chance to claim the remainder. +
+ +3. Expired checks
+ ++ If the recipient does not redeem the check before it expires, the check object remains on the ledger until + it is canceled by the sender or recipient. +
+ +Create and Redeem checks on {xahauNetwork ? 'Xahau Explorer' : 'Bithomp'}
+ ++ {xahauNetwork ? 'Xahau Explorer' : 'Bithomp XRP Explorer'} provides a user-friendly interface for working + with checks. +
+ +Create a check
+ +
+ You can issue a check HERE
+
+
Specify:
+ +-
+
- The recipient’s account +
- The amount that can be claimed +
- An optional expiration period +
- Destination tag (if required) +
- Memo (will be public) +
This removes the need to manually construct and submit {ledgerName} transactions.
++ Besides, our PRO Subscribers can also specify a custom transaction fee, Invoice ID, and Source Tag when + creating a check, under Advanced Options. +
++ + 💡 + {' '} + Upgrade to Pro Here +
+Redeem a check
+ +To redeem a check issued to your address:
+ +-
+
- + Visit your Account page + +
- View received checks associated with your address +
- Click “Redeem” +
- Sign the CheckCash transaction using any of the available signing options. +
After confirmation, {nativeCurrency} is credited to your account.
+ +Why Use {xahauNetwork ? 'Xahau Explorer' : 'Bithomp'} for checks?
+ ++ Although checks are a native {ledgerName} feature, interacting with them directly can require manual + transaction construction. +
+ +We simplify the process by:
+ +-
+
- Offering a user-friendly web interface for quick and easy check creation. +
- + Supporting wallet-based signing (Ledger, Xaman, Gem, MataMask, WalletConnect, CROSSMARK, and others ). + +
- + Displaying issued and received checks on your account page which can be immediately redeemed or canceled. + +
Final Thoughts
+ +checks are a powerful but often overlooked feature of the {ledgerName}. They provide:
+ +-
+
- Controlled payment settlement +
- Recipient-initiated redemption +
- On-ledger verification of payment commitments +
+ For use cases where immediate transfers are not ideal, checks offer a practical alternative without + requiring complex smart contract logic. +
++ 🔥 With {xahauNetwork ? 'Xahau Explorer' : 'Bithomp'}, creating and redeeming checks is simple, intuitive, + and efficient — making advanced {ledgerName} features easy to use for everyone, not just developers. +
+