Ripple is integrating Privy’s wallet technology into the XRP Ledger, enabling applications and AI agents to create wallets, store digital assets, and make payments without requiring users to manage wallet software directly. The integration is expected to support online service payments using XRP and RLUSD, although the extent to which these transactions reflect meaningful economic activity remains uncertain.
Privy, which is owned by Stripe, provides the infrastructure that allows developers to embed wallets into their applications. According to a release shared with CoinDesk, these wallets can authorize transfers involving XRP, Ripple’s dollar-pegged RLUSD stablecoin, and other assets issued on the XRP Ledger.
The technology could help payment providers offer dollar-linked transactions without forcing customers to handle the private keys required to authorize payments.
By relying on Privy’s infrastructure, developers can avoid building wallet systems from scratch. The service also allows users to export their private keys or recovery phrases, making it possible to move their wallets to other platforms.
The integration also opens the door for businesses to equip AI agents with funded wallets. These automated programs can use the funds to purchase online services and data without requiring a person to approve every individual checkout.
Privy’s documentation describes how wallets operated through company servers can allow software to hold and spend funds, including through x402. The payment standard is designed to facilitate purchases of data and other digital services.
For instance, an AI agent seeking access to paid information could receive a payment request, authorize the required transfer, and obtain the data after the payment is verified. This arrangement enables automated systems to pay for individual requests without human involvement at every stage.
CoinDesk sought information from the XRP Ledger Foundation about applications using the integration and statistics showing the share of network payments generated by AI agents.
The development comes amid reports of growing agent-based payment activity on the XRP Ledger.
RippleX Head of Engineering J. Ayo Akinyele said on X last week that the network had processed more than 13 million x402 agent payments, accounting for roughly 25% of ledger activity.
Meanwhile, the XRPL AI Hub, operated by payments infrastructure developer t54, reported more than 14.3 million cumulative transactions across 169 registered merchants as of Wednesday.
Despite the high transaction count, the overall payment value remains comparatively small.
The dashboard showed cumulative payments of approximately 6,991 XRP and 12,752 RLUSD. The figures indicate that many transactions involve relatively small amounts, potentially reflecting automated payments for individual requests rather than substantial transfers between financial institutions or businesses.
Ripple introduced developer tools for this payment model in June, allowing AI agents to create wallets, review balances, and pay for services using XRP or RLUSD. In September, the company expanded the toolkit to support a payment standard developed by Stripe and payments blockchain Tempo. That update also included a mechanism for funding repeated requests with XRP rather than settling every request separately.
Read More: Ripple Adds XRP Payments to Stripe and Tempo’s AI Standard in New Developer Kit
In Tuesday’s release, the companies said they intend to expand the integration over time. Planned improvements include policy controls and tools that can cover network fees for users.
However, embedding a wallet within an application does not remove the requirement to fund and activate the account before it can transact.
According to Privy’s documentation, a new XRP Ledger account must receive a minimum reserve of 1 XRP to become active. This means an account needs an initial XRP deposit even if its intended purpose is solely to send or receive RLUSD, Ripple’s dollar-pegged stablecoin.
The requirement remains a practical consideration for applications seeking to offer seamless stablecoin payments, particularly when users or automated agents may not already hold XRP.
