Ripple Integrates Privy Wallets as XRP Ledger AI Payments Top 14 Million

The integration will enable software to pay for online services using XRP and RLUSD, although questions remain about how much genuine economic activity these transactions represent.

Ripple is integrating wallet technology from Stripe-owned Privy into the XRP Ledger, enabling financial apps and AI agents to create accounts, store cryptocurrencies and send payments without requiring users to handle wallet software themselves.

According to a release shared with CoinDesk, developers will be able to embed wallets directly into their applications and authorize transfers using XRP, Ripple’s dollar-pegged RLUSD stablecoin and other assets issued on the network.

This could allow payment providers to facilitate dollar-linked transactions without requiring customers to manage the private keys needed to authorize payments.

Privy provides the underlying wallet infrastructure, reducing the amount of technology developers must build independently. It also allows users to export private keys or recovery phrases, making it possible to transfer their wallets to other platforms.

Businesses could also equip AI agents, or automated software programs designed to perform assigned tasks, with funded wallets to purchase online services. Privy’s documentation explains that server-managed wallets can enable software to hold and spend funds, including through x402, a payment standard designed to purchase access to data and other digital services.

For example, an AI agent seeking paid data could receive a payment request, authorize the transaction and access the information after the payment is confirmed. This allows software to pay for individual requests without requiring human intervention at every checkout.

CoinDesk contacted the XRP Ledger Foundation to ask which applications are using the integration and whether data is available showing the share of network payment activity generated by AI agents.

The announcement follows reports from developers of a significant increase in agent-driven transactions on the XRP Ledger.

Last week, RippleX Head of Engineering J. Ayo Akinyele stated on X that the network had processed more than 13 million agent payments through x402, accounting for approximately 25% of ledger activity.

Data from the XRPL AI Hub, operated by payment infrastructure developer t54, showed that cumulative transactions had exceeded 14.3 million across 169 registered merchants as of Wednesday.

However, the total value of these payments was much lower than the transaction volume alone might indicate.

The dashboard showed cumulative payments of approximately 6,991 XRP and 12,752 RLUSD. This suggests that many transactions involve only small sums, reflecting a model in which software pays for individual data requests or services rather than executing large financial transfers.

Ripple introduced developer tools for these payment capabilities in June, allowing AI agents to create wallets, check balances and pay for services using XRP or RLUSD. In September, the company expanded the toolkit to support a payment standard developed by Stripe and payments blockchain Tempo. The update also introduced a mechanism for funding repeated requests with XRP instead of settling each transaction individually.

Read More: Ripple adds XRP payments to Stripe and Tempo’s AI standard in new developer kit

Tuesday’s announcement said the companies plan to expand their integration over time, adding features such as policy-based controls and tools that cover network transaction fees on behalf of users.

However, embedding a wallet within an application does not eliminate the need to fund it before transactions can begin.

Privy’s documentation states that a new XRP Ledger account must receive the network’s minimum reserve, currently set at 1 XRP, to become active. Consequently, someone must provide that initial XRP even when the account is intended exclusively for sending dollar-pegged stablecoins.

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