Ripple has partnered with Privy, the wallet infrastructure company owned by Stripe, to add XRP Ledger (XRPL) support to Privy’s developer platform.
The integration will allow developers to build XRPL wallets into their applications without having to create the underlying wallet infrastructure themselves. They will be able to create and manage wallets, sign transactions and support XRP, Ripple’s RLUSD stablecoin and other assets issued on the network.
“Stablecoins are changing how money moves, and XRPL has been building for payments from the start. We’re excited to make Privy wallets available to developers building on XRPL, from global payments to agentic commerce, and whatever comes next,” said Henri Stern, co-founder and chief executive of Privy and head of crypto and stablecoins at Stripe.
Privy’s embedded wallets operate within applications, meaning users do not need to connect a separate crypto wallet. The companies said that could help fintech and payment businesses provide stablecoin services without requiring customers to manage their own private keys.
Users will nevertheless be able to export their private keys and seed phrases if they want to transfer their wallets to another service, Privy said.
Stripe acquired Privy last year, although the wallet company continues to operate separately. The agreement adds XRPL functionality to Privy’s wallet services as Stripe expands its activity in the crypto and stablecoin sectors.
Support for AI agents and x402 payments
The partnership will also allow developers to create XRPL wallets that can be controlled by applications. Those wallets can be used by AI agents to hold funds and make payments.
They will support x402 payments, a system that enables software and AI agents to pay for online services.
“Privy brings proven wallet infrastructure that makes it easier for fintechs and developers to bring XRPL into real products, from payments and stablecoin experiences to emerging forms of agentic commerce,” said Markus Infanger, senior vice-president of RippleX at Ripple.
Ripple said the integration was designed to support a range of use cases, including global payments, stablecoin services and emerging forms of commerce conducted by software-based agents.
Privy plans to broaden the integration over time with policy controls and gas sponsorship. Policy controls would allow developers to establish rules governing transactions, while gas sponsorship would enable them to cover network fees on behalf of users.
The move gives developers access to XRPL wallet functionality through Privy’s existing platform, while retaining user access to wallet credentials and supporting payments involving XRP, RLUSD and other assets issued on the network.
