Ripple and Privy bring programmable wallets to XRP Ledger

As developers build payment and software-agent applications on the XRP Ledger (XRPL), Ripple and Stripe-owned Privy announced a partnership on Oct. 13 to bring Privy’s programmable wallet infrastructure to the network, according to Privy’s announcement. The integration lets application developers add wallet creation and transaction signing without building that infrastructure themselves.

Privy says developers will be able to create and manage XRPL wallets programmatically, sign transactions through its infrastructure and build with XRP, Ripple’s RLUSD stablecoin and other digital assets on the ledger. The wallets can be embedded in an application, so users can access its onchain features without connecting a separate crypto wallet.

What can developers do with the XRPL integration?

They can build payment flows and agent-managed wallets using Privy’s wallet infrastructure, according to the company. Privy says the integration supports x402 payments, a mechanism for software and AI agents to pay for online services, and allows users to export private keys and seed phrases for wallet portability.

That setup supports two kinds of use described by the companies: payment products in which wallet functions sit inside an app, and server-side wallets that software agents can use to hold and transact with funds. RippleX senior vice-president Markus Infanger said the integration is intended to help fintechs and developers bring XRPL into products spanning payments, stablecoin services and agentic commerce.

What is available now, and what comes later?

Privy’s announcement describes wallet creation, management, transaction signing and support for XRP, RLUSD and other XRPL assets as capabilities developers will be able to use. The company said policy controls and gas sponsorship are planned as later additions to the integration.

Policy controls would let developers set rules for wallet transactions, while gas sponsorship would let them cover network fees for users, according to Privy. The company did not provide a release date for those additions in its announcement.

The partnership adds XRPL support to Privy’s developer wallet platform. In its report on the announcement, The Block also cited Privy’s confirmation that users can export their keys and recovery phrases. This makes portability part of the described wallet experience, alongside in-app access and programmatic transaction signing.

Privy co-founder and CEO Henri Stern said the integration is aimed at developers building on XRPL, including for global payments and agentic commerce. The announcement sets out infrastructure and intended use cases; it does not identify a named application launching with the integration.

Sources

• Privy’s announcement — privy.io
• its report on the announcement — theblock.co