Stripe-owned Privy partners with Ripple to bring programmable wallets to XRPL

XRPL Context and Market Data

Privy cites XRPL’s scale: more than 8 million funded accounts and over $1 trillion in value moved across 14+ years. XRP/USD trades at $1.37, down 0.5% over 24 hours and down nearly 7% over seven days. Daily trading volume rose from $1.4 billion to $1.7 billion.

1/ We're partnering with @Ripple to bring Privy wallets to the XRP Ledger (XRPL).

This makes it easier for developers to build stablecoin payments, fintech applications, and agentic commerce on XRPL. pic.twitter.com/vUhKJdfxBT

— Privy (@privy_io) October 13, 2026

What the Privy XRPL Integration Enables

Developers can create and manage XRPL wallets programmatically and use Privy infrastructure to sign transactions. Wallets support XRP, RLUSD, and other XRPL assets. Applications can implement x402 payment flows for agentic commerce.

Embedded wallets add stablecoin functionality to consumer-facing products while abstracting key management. Users can export private keys and seed phrases for ownership and portability.

Server-side wallets enable agents to pay for services such as APIs, data, and compute under the x402 framework for AI-agent transactions. The announcement does not disclose deployment volumes, production usage, or customer names.

Privy and Ripple emphasize XRPL’s fast settlement, low transaction costs, and support for stablecoins and tokenized real-world assets. Privy plans deeper integration featuring policy controls and gas sponsorship. It has not provided implementation details or a launch timeline.

Embedded Wallets and Agentic Commerce

SOURCE: DefiLlama

XRPL is a decentralized Layer 1 designed for moving and exchanging digital assets. The integration distinguishes between embedded wallets inside applications that reduce direct user key management and server-side wallets that authorize automated payments by agents.

Governance remains a key requirement. Privy’s documentation describes policy controls that restrict transaction types, destinations, and amounts. The partnership highlights a policy layer as an ongoing development focus to govern programmable wallet behavior.

Policy Controls and Gas Sponsorship: Next Steps

Stripe-owned Privy is bringing its wallets to the XRP Ledger@privy_io teamed up with @Ripple so apps can give users XRPL wallets that hold and send $XRP, $RLUSD, and other assets. Users stay in full control and can take their wallet with them to other apps.

Privy also targets… pic.twitter.com/k6p410KoBW

— BSCN (@BSCNews) October 13, 2026

Markus Infanger, senior vice president of RippleX, said Privy’s wallet infrastructure simplifies bringing XRPL into products spanning payments, stablecoins, and agentic commerce. He highlighted XRPL’s settlement speed, low fees, and native digital asset support as a foundation for scalable financial products.

The announcement sets intended capabilities without production metrics: no customer list, wallet counts, or transaction volumes. The next deliverables are policy controls and gas sponsorship, with timing and technical specifications undisclosed.

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