Ripple partnered with cryptocurrency wallet provider Privy to expand payment capabilities on the XRP Ledger. The integration enables developers to programmatically create and manage XRPL wallets, sign transactions, and build applications using XRP, Ripple's RLUSD stablecoin, and other digital assets on the network.
Privy's server-side wallet infrastructure removes friction for fintech companies and payment providers embedding cryptocurrency functionality directly into existing products. Users no longer manage private keys, and developers gain full control over wallet creation, transaction signing, and asset transfers.
The partnership targets agentic commerce—autonomous AI agents initiating and executing payments on behalf of users. Privy's infrastructure supports the x402 payment protocol, which automates payments between software applications and online services, a critical mechanic for scaled AI-driven transactions.
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, from payments and stablecoin experiences to emerging forms of agentic commerce."
XRPL has processed over $1 trillion in transaction value across its 14-year history and accumulated more than 8 million funded accounts. The ledger's settlement speed and low transaction costs position it as infrastructure for high-volume payment flows.
Developers will also gain the ability to offer users full wallet ownership through private key and seed phrase exports, balancing custody convenience with portability. Privy plans to add transaction policy controls and gas sponsorship, giving developers oversight of automated transactions while reducing complexity for end users.
Henri Stern, co-founder and CEO of Privy, said, "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."
