The integration will let developers create programmable wallets for XRP and RLUSD, with support for x402 payments and agentic commerce.
Ripple has partnered with wallet infrastructure provider Privy to bring programmable wallets to the XRP Ledger, targeting payment applications and transactions carried out by AI agents.
The integration will allow developers to create and manage XRPL wallets programmatically, sign transactions and build applications using XRP, Ripple’s RLUSD stablecoin and other assets on the network, according to a Privy announcement Tuesday.
For fintechs and payment companies, embedded wallets can make stablecoin payments available within an application without requiring users to manage private keys themselves.
Privy also plans to support server side wallets that allow agents to hold funds and transact, including through x402, a protocol for payments over HTTP. That could support applications in which software agents pay for services or resources as they complete tasks.
“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,” said Markus Infanger, senior vice president of RippleX at Ripple.
Developers will also be able to offer private key and seed phrase exports, allowing users to retain ownership of their wallets and move them outside an application.
The XRP Ledger is a decentralized Layer 1 blockchain designed for moving and exchanging digital assets. It supports stablecoins and tokenized real world assets alongside XRP.
According to Privy, the network has grown to more than 8 million funded accounts and moved more than $1 trillion in value over its history.
“Stablecoins are changing how money moves, and XRPL has been building for payments from the start,” said Henri Stern, Privy’s cofounder and CEO.
The partnership connects those payment capabilities with wallet infrastructure developers can integrate into consumer and business applications. It also extends the same infrastructure to agents that need to hold and spend funds.
Privy said it will deepen the integration over time with policy controls and gas sponsorship. Those features are intended to give developers more control over wallet transactions and reduce the complexity users face. The announcement did not provide a timeline for those additions.
