Ripple announced a partnership with Stripe-owned wallet provider Privy on Oct. 13 to expand wallet infrastructure across the XRP Ledger (XRPL), as Privy detailed in its announcement. The agreement will let developers embed XRP, Ripple USD (RLUSD), and other blockchain assets into financial applications.

The rollout forms part of Privy's expansion into stablecoin payments and automated transactions. The companies also outlined plans to support artificial intelligence (AI) agents through programmable wallets, covering transaction signing and payments initiated by software agents. Wallet setup has historically been a friction point for bringing blockchain assets into mainstream applications, since standalone wallets require separate software and manual handling of recovery credentials — a layer that embedded wallet providers are built to remove.

The announcement arrived as XRP recovered from recent selling pressure. Market data showed the token trading near $1.37 on Oct. 13, still below resistance around $1.40.

Programmable Wallets for XRPL Developers

Under the integration, Privy will provide tools for creating and managing XRPL wallets directly within applications. Developers will be able to sign transactions through Privy's infrastructure rather than build separate wallet systems. The offering targets fintech businesses, payment providers, and teams building digital asset services.

Embedded wallets operate inside an application itself, reducing the need for customers to connect an external wallet. Users will not have to handle private keys during routine onboarding or payments. Privy will nonetheless allow customers to export private keys and seed phrases, preserving the option to move their wallets elsewhere.

Stripe acquired Privy in 2025, and the wallet provider continues to operate as a separate business. The new partnership adds XRPL support to Privy's existing developer offering.

XRP and RLUSD Payment Support

The wallet infrastructure will support XRP, Ripple's RLUSD stablecoin, and other assets issued on XRPL. Developers can use the tools to incorporate transfers and transaction signing into financial applications, while payment companies can build stablecoin services without requiring customers to manage wallet credentials manually.

XRPL settles digital asset transfers and exchanges through its decentralized blockchain network. According to figures Privy reported, the ledger has surpassed eight million funded accounts and processed more than $1 trillion in transferred value over its history. Since wallets created through the integration would themselves be XRPL accounts, the ledger's funded-account total offers one observable measure of whether the developer tooling gains adoption over time.

The integration will also support applications involving tokenized assets available on XRPL, with developers deciding which supported assets their services accept.

AI Agent Transactions and Wallet Controls

Ripple and Privy additionally plan to support agentic commerce through programmable wallets. Developers can deploy server-side wallets that allow software agents to hold funds and initiate transactions. The companies identified x402 payments as one use case for automated purchases of online services — a standard named after the HTTP "402 Payment Required" status code.

Ripple reported that XRPL has processed 13 million agent payments, representing approximately 25% of network activity. That figure comes from Ripple's announcement and does not establish the value of those payments. Privy's new integration does not, by itself, indicate how many additional transactions the network will process.

Privy plans to introduce policy controls and fee sponsorship as the integration develops. Policy controls would let developers set conditions for wallet transactions, while fee sponsorship would allow applications to cover network costs on behalf of their users.

XRP Technical Picture: Resistance at $1.40

XRP traded above $1.36 at the time of writing after recovering from support near $1.30. On the daily chart, the 200-day exponential moving average sat around $1.38 and the 50-day average near $1.40. A sustained move above those barriers could bring the $1.55 resistance area into view.

The 100-day average near $1.34 offers closer support, and a drop below that level would refocus attention on $1.30. The relative strength index hovered near 40, while the MACD remained below zero — readings indicating that selling pressure had not fully eased.

Separately, analyst ChartNerd outlined an eight-and-a-half-year cup-and-handle formation on X. The chart identified $3.60 as a major resistance level and set $8 as a possible target following a confirmed breakout.

This article is for informational purposes only and does not constitute financial or investment advice.