Ripple is integrating wallet technology from Privy, the Stripe-owned wallet infrastructure provider, into the XRP Ledger, giving developers a way to embed wallets directly inside payment applications. According to a release shared with CoinDesk, the setup allows customers to transfer XRP, Ripple’s dollar-pegged RLUSD stablecoin, and other assets issued on the network without creating and managing a separate crypto wallet.
The integration also opens the door for AI agents to hold funds and pay automatically for online data and services. RippleX Head of Engineering J. Ayo Akinyele said on X last week that the network had processed more than 13 million agent payments through x402, equal to roughly 25% of ledger activity.
Figures from XRPL AI Hub, operated by payment infrastructure developer t54, showed more than 14.3 million cumulative transactions across 169 registered merchants as of Wednesday.
Wallets can be created inside apps
Ripple said the Privy integration will let financial applications and AI agents create accounts, hold crypto assets and make payments without requiring users to manage wallet software themselves.
Under the release, developers can build wallets directly into their products and authorize transfers involving XRP, RLUSD and other assets on XRPL. In practice, that means a payments company could offer dollar-linked transfers without asking customers to handle the secret keys that approve spending.
Privy provides the wallet infrastructure, which cuts down on what the application builder has to develop on its own. It also supports exporting keys or a recovery phrase, so wallets can be moved elsewhere.
AI agents can pay for data and services
Privy’s documentation says companies can assign funded wallets to AI agents, or automated bots that carry out tasks on a user’s behalf, so those agents can pay for online services. The documents say wallets operated from a company’s servers can let software hold and spend funds, including through x402, a payment standard used to buy access to data and other services.
In one example, an agent requesting paid data can receive a payment request, approve the payment and obtain the data once the payment is verified. Software can handle each request as it comes in, without a person opening a checkout page every time.
CoinDesk asked the XRP Ledger Foundation which applications are using the integration and whether data is available showing how much payment activity on the network comes from AI agents.
Transaction count is rising, but transferred value is much smaller
The announcement arrives as developers report a sharp increase in this type of activity on XRPL. Akinyele said on X last week that agent payments processed through x402 had exceeded 13 million.
Still, questions remain over how much real economic activity those transactions represent. The XRPL AI Hub dashboard showed cumulative payments of about 6,991 XRP and 12,752 RLUSD, far smaller than the raw transaction count might imply.
That suggests many of the transfers are tiny payments, consistent with software paying for individual requests rather than large financial transfers.
Ripple had already rolled out tools for this use case
Ripple began offering developers tools for these payments in June, allowing agents to create wallets, check balances and pay for services with XRP or RLUSD. In September, the company expanded that kit to support a payment standard developed by Stripe and payments blockchain Tempo, including a way to fund repeated requests with XRP instead of settling each one separately.
Tuesday’s release said Ripple and Privy plan to deepen the integration over time, including policy controls and tools that can cover users’ network fees.
New accounts still need the XRPL minimum reserve
Creating a wallet inside an app does not remove the activation step before an account can transact.
Privy’s documentation says a new XRP Ledger account must first receive the network’s minimum reserve, currently 1 XRP. That means someone still has to supply that 1 XRP to activate the account, even if the customer only intends to send dollar-pegged stablecoins.