Ripple and Privy have announced a partnership to bring embedded wallets to the XRP Ledger (XRPL), giving developers a way to build digital asset payments directly into their applications. The integration supports XRP, Ripple's RLUSD stablecoin, and other assets issued on the ledger, and it extends to agentic commerce by enabling artificial intelligence agents to hold funds and execute transactions.

According to Ripple, agent payments on XRPL have reached 13 million, representing roughly 25% of the network's activity. That share helps explain why wallet infrastructure built for programmatic, server-side control has become a focus area for payments providers.

Embedded Wallet Infrastructure for Developers

Privy, a Stripe company — Stripe acquired the wallet provider in 2025 — will provide the wallet infrastructure, allowing developers to create and manage XRPL wallets programmatically, sign transactions, and build payment services without requiring users to manage private keys themselves. In practice, applications can embed wallet creation and transaction signing directly into their own flows, so end users do not need to set up or secure separate XRPL wallets. That in-app model, widely used across consumer crypto applications, removes the seed-phrase setup step that has long been an onboarding barrier for mainstream users.

The integration targets stablecoin payments, fintech applications, and other products on digital assets. Developers can build with XRP, RLUSD, and other assets supported by XRPL.

Figures shared by Privy indicate that XRPL has more than 8 million funded accounts and has processed over $1 trillion in value. The decentralized Layer 1 blockchain supports digital asset transfers and exchanges with fast settlement and low transaction costs.

Programmable Wallets for AI Agents

Beyond conventional payments, the partnership is designed to support agentic commerce, in which AI agents hold funds and carry out transactions. Server-side wallets will allow these agents to transact, including through x402 payments, an open protocol built for payments over HTTP.

Privy's tooling also lets developers establish wallet policies that control which activities are permitted — a control layer that becomes more relevant when automated agents, rather than people, initiate transactions. Users can retain ownership and portability through private key and seed phrase exports.

Markus Infanger, senior vice president of RippleX at Ripple, said the infrastructure could support fintech products, stablecoin services, and agentic commerce. Privy co-founder and CEO Henri Stern said the integration extends the company's wallet services to developers building on XRPL.

Foundation Confirms XRPL Wallets Are Live in Privy

The XRP Ledger Foundation separately announced that XRPL wallets are now live in Privy. Developers can create embedded wallets, sign transactions, and apply built-in policies to govern wallet activity.

Ripple and Privy plan to deepen the integration over time. Planned additions include expanded policy controls and gas sponsorship — which lets an application cover transaction fees on a user's behalf — giving developers further options for managing wallet transactions. Those planned additions, along with developer uptake of the tooling, are the near-term markers to watch as the integration matures.

The collaboration was detailed in a Privy blog post.