Ripple and Privy add embedded wallets to XRP Ledger

Ripple and Stripe-owned Privy announced on Oct. 13 that developers will be able to add XRP Ledger wallets to their apps, letting users hold and send XRP, RLUSD and other network assets without managing a separate wallet. Privy’s announcement says its infrastructure will let developers create wallets and sign transactions programmatically.

• The XRP Ledger has more than 8 million funded accounts.
• The network has moved $1 trillion in value over more than 14 years.
• Privy says the wallets will support XRP, RLUSD and other XRPL assets.

What will developers be able to build?

Developers will be able to create and manage XRP Ledger wallets through Privy, then use them to build payment features inside their apps. Privy supplies the wallet infrastructure, so an app maker does not have to build that system from scratch.

Users can make transactions without connecting a separate crypto wallet or handling keys themselves. The announcement also says users will be able to export their private keys and seed phrases, which can let them move a wallet to another service.

That setup could help fintechs and payment companies offer stablecoin payments within their products. RLUSD is Ripple’s dollar-pegged stablecoin; the integration also supports XRP and other assets issued on the XRP Ledger.

How could the wallets support AI payments?

Privy says developers can also create wallets managed by apps or software agents. Those wallets could hold funds and make payments, including through x402, a standard that lets software pay for online services such as data access.

The companies describe this as a way to build “agentic commerce,” where software can make payments as part of a task. For example, an agent could pay to access a service without a person opening a checkout page for each request. The announcement sets out the planned capability; it does not identify applications already using this integration.

In its report on the partnership, The Block said Privy plans to add policy controls and gas sponsorship over time. These features are not described as part of the initial offering: policy controls would let developers set transaction rules, while gas sponsorship would allow them to cover network fees for users.

What will users still need to do?

Even with a wallet inside an app, an XRP Ledger account needs funding before it can transact. CoinDesk reported that Privy’s documentation sets the network’s minimum reserve at 1 XRP, including for accounts intended only for stablecoin payments.

That means an app may hide wallet setup from users, but it does not remove the funding requirement. The announcement does not say who will supply the XRP reserve or how apps will handle that step.

The partnership gives developers a route to add XRP Ledger wallets through Privy, with support for payments in XRP, RLUSD and other network assets. Privy says it plans to deepen the integration over time; its announcement names policy controls and gas sponsorship as planned additions.

Sources and documents

• Privy’s announcement — privy.dev
• The Block — theblock.co