Privy, the Stripe-owned wallet infrastructure firm, partnered with Ripple to bring embedded wallets to the XRP Ledger for apps built around XRP and RLUSD.
Key Facts
Privy, the wallet infrastructure firm owned by Stripe, partnered with Ripple to add XRP Ledger support to its developer platform.
Developers can create and manage XRPL wallets programmatically, supporting XRP, Ripple's RLUSD stablecoin, and other assets issued on the network.
The integration supports x402 payments, letting AI agents hold funds and transact without a human managing a separate wallet.
Privy, the wallet infrastructure company Stripe acquired in 2025, announced it has partnered with Ripple to bring its embedded wallet tools to the XRP Ledger.
The deal gives developers building on the network a way to issue wallets without building custody infrastructure themselves. It also extends Privy's embedded-wallet business into one of the largest payments-focused blockchains.
What Developers Can Build With Privy on XRP Ledger
Developers can now create and manage XRP Ledger wallets programmatically and sign transactions through Privy's infrastructure, the company said in a blog post. The integration supports XRP, Ripple's RLUSD stablecoin, and other assets issued on the ledger, and it includes private key and seed phrase export so users can move funds elsewhere.
Markus Infanger, senior vice president of RippleX at Ripple, said Privy "brings proven wallet infrastructure that makes it easier for fintechs and developers to bring XRPL into real products." Henri Stern, Privy's cofounder and chief executive, said stablecoins are changing how money moves and that the XRP Ledger "has been building for payments from the start."
The integration also supports x402, a payment standard that enables agentic payments by letting software and AI agents pay for data and online services directly. Server-side agent wallets built on Privy could let agents hold funds and make payments without a person managing a separate wallet for each one.
Ripple and Privy said they plan to deepen the integration over time, adding policy controls for transaction rules and gas sponsorship so developers can cover users' network fees.
The move follows Standard Chartered's launch of institutional custody for RLUSD on the XRP Ledger through its Dubai branch. It also comes as the network works to patch a decade-old ledger bug that researchers flagged this year, part of a broader push to shore up infrastructure around the network.
XRP Ledger Wallets Still Need a Minimum Reserve
New XRP Ledger wallets do not exist on the ledger until they receive the network's base reserve, currently 1 XRP, according to Privy's documentation. A developer or an AI agent funding a new account still needs XRP on hand even if the wallet is meant to hold only RLUSD.
Developers can also set policies restricting transaction types, payment destinations, amounts, and trust line limits, giving fintechs guardrails before handing an account to an autonomous agent. Privy's post cited the ledger's scale as a reason for the integration, noting the network has run for more than 14 years and processed over $1 trillion in value across more than 8 million funded accounts.
The XRPL AI Hub, a dashboard run by payments infrastructure developer t54, showed more than 14 million cumulative transactions across 169 registered merchants at the time of writing. The underlying value settled, under 7,000 XRP and under 13,000 RLUSD, was considerably smaller than the transaction count suggests.
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