Ripple Partners With Privy To Bring Embedded Wallets To XRP Ledger, Expanding Payments And Agentic Commerce
In Brief
Ripple partners with Stripe-owned Privy to bring embedded wallets to the XRP Ledger, enabling everyday stablecoin payments and AI-driven agentic commerce.
Ripple has announced a partnership with Privy, a Stripe-owned wallet infrastructure provider, to integrate embedded wallet technology into the XRP Ledger (XRPL). The collaboration, announced through Ripple’s official social channels, will allow developers to build payment experiences using XRP, RLUSD, and other digital assets directly into their products — without requiring end users to manage their own private keys.
The XRPL, a decentralized Layer 1 blockchain designed for moving and exchanging digital assets, offers fast settlement, low transaction costs, and support for assets ranging from stablecoins to tokenized real-world assets. With Privy’s integration, developers will be able to create and manage XRPL wallets programmatically, sign transactions through Privy’s infrastructure, and build with XRP, RLUSD, and other network assets.
From Embedded Payments to AI-Driven Transactions
A central element of the integration is its support for agentic commerce. Server-side programmable wallets will enable AI agents to hold funds and transact autonomously, including through x402 payments — a protocol gaining traction for machine-to-machine payments on the web. The move reflects a broader trend in which AI systems increasingly require direct access to financial rails in order to execute purchases, subscriptions, and service transactions without human intermediation.
The infrastructure arrives as XRPL records significant traction in this emerging category: the network has processed 13 million agent payments to date, which now account for roughly 25% of total network activity. Overall, the ledger has operated for more than 14 years and has grown to over 8 million funded accounts, with more than $1 trillion in cumulative value moved.
For payments companies and fintechs, embedded wallets lower a key adoption barrier: stablecoin payments can be offered without users handling seed phrases or key management. At the same time, Privy preserves user ownership and portability by supporting export of private keys and seed phrases — a design choice that balances convenience with self-custody.
Both companies framed the integration as a natural fit between XRPL’s payment-optimized architecture and Privy’s developer tooling. Markus Infanger, SVP of RippleX at Ripple, noted that Privy’s proven wallet infrastructure combined with the ledger’s settlement speed and low costs gives developers a strong foundation for financial products that can scale. Privy CEO Henri Stern emphasized that stablecoins are reshaping how money moves and positioned the integration as extending Privy wallets from global payments to agentic commerce.
The integration is described as ongoing, with additional capabilities planned, including policy controls and gas sponsorship. These features would give developers finer control over how wallets transact without adding complexity for end users.
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About The Author
Alisa, a dedicated journalist at the MPost, specializes in crypto, AI, investments, and the expansive realm of Web3. With a keen eye for emerging trends and technologies, she delivers comprehensive coverage to inform and engage readers in the ever-evolving landscape of digital finance.
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Alisa, a dedicated journalist at the MPost, specializes in crypto, AI, investments, and the expansive realm of Web3. With a keen eye for emerging trends and technologies, she delivers comprehensive coverage to inform and engage readers in the ever-evolving landscape of digital finance.
