diff --git a/requirements.txt b/requirements.txt
index 862cc12..ad6738f 100644
--- a/requirements.txt
+++ b/requirements.txt
@@ -8,7 +8,7 @@ scipy>=1.12
 python-dotenv>=1.2.2
 openai>=2.41.1
 neo4j>=5.0
-xrpl-py>=4.5.0
+xrpl-py>=5.0.0
 anthropic>=0.111.0
 cryptography>=48.0.0
 stripe>=15.2.1
diff --git a/stellar_forge/requirements.txt b/stellar_forge/requirements.txt
index 00ed275..a483711 100644
--- a/stellar_forge/requirements.txt
+++ b/stellar_forge/requirements.txt
@@ -7,6 +7,6 @@
 #   pip install -r stellar_forge/requirements.txt
 #
 psycopg[binary]>=3.3.4   # economy/store.py Postgres backend (durable rebate ledger)
-xrpl-py>=4.5.0           # economy/payouts.py live RLUSD on-chain settlement
+xrpl-py>=5.0.0           # economy/payouts.py live RLUSD on-chain settlement
 #
 # ML / fusion layer deps are separate again — see requirements-ml.txt.
diff --git a/tipmaster/requirements.txt b/tipmaster/requirements.txt
index e28295c..4262f24 100644
--- a/tipmaster/requirements.txt
+++ b/tipmaster/requirements.txt
@@ -1,6 +1,6 @@
 fastapi==0.115.5
 uvicorn[standard]==0.49.0
-xrpl-py==4.5.0
+xrpl-py==5.0.0
 httpx==0.28.1
 aiosqlite==0.22.1
 python-dotenv==1.2.2