Stripe's Privy brings its wallets to the XRP Ledger, where AI agents have made 14 million payments that add up to only about 7,000 XRP

Ripple is adding Stripe's wallet arm to the XRP Ledger. Privy, the embedded-wallet company Stripe owns, now lets developers build XRP Ledger wallets straight into payment apps, so users can send XRP, Ripple's dollar stablecoin RLUSD and other assets without setting up a separate crypto wallet, according to a release shared with CoinDesk. Privy runs the infrastructure, and its documentation says users can export their private key or recovery phrase to move elsewhere.

The pitch leans on AI. The integration could let software agents use the wallets to hold funds and pay for data or services one request at a time, including through x402, a payment standard for buying access online, CoinDesk reported. The XRPL AI Hub, run by the developer t54, showed more than 14.3 million cumulative agent transactions across 169 registered merchants as of Wednesday, CoinDesk reported.

The value is tiny. The same dashboard counts only about 6,991 XRP and 12,752 RLUSD in total payments, which suggests most transactions are very small and leaves open how much real business they represent. There is also a practical catch: each new XRP Ledger account must receive the network's 1 XRP reserve before it can transact, even to send only RLUSD, and Privy's documentation says the app has to supply it. The companies say policy controls and fee tools come next.