Ripple brings Stripe-owned Privy wallets to the XRP Ledger. Ripple and Stripe-owned Privy announced programmable XRPL wallets for fintechs and AI agents, supporting XRP, RLUSD, transaction signing and key export. 00:0003:16 Ripple and Stripe-owned Privy have announced programmable wallet support for the XRP Ledger, giving developers another way to put blockchain payments inside apps and AI-agent services. Privy's announcement on 13 October covers creating wallets, managing them through software and signing transactions involving XRP, RLUSD and other XRPL assets. Embedded wallets can sit inside a fintech app, while server-side wallets can hold funds for an automated service. Developers can create wallets and sign payments. Privy's XRPL documentation provides a transaction-signing route that applications can use to submit ledger payments. An app prepares the transaction, passes it to the wallet for signing and submits the resulting signed transaction to the XRP Ledger. The developer documentation includes wallet creation and signing. It describes both a transaction-specific signing method and a lower-level route for developers controlling how a transaction is assembled. That wallet layer handles the act of authorising a transaction. The XRP Ledger remains the network on which the payment is submitted and settled. For app users, the intended benefit is a payment flow integrated into the product they are already using. The integration also targets AI-agent payments. Server-side wallets give AI agents a way to hold and transact with digital funds. Privy's announcement specifically includes x402 payments, a mechanism for paying for an online request, among the XRPL integration's intended uses. For example, a service carrying out a task could encounter paid data or another paid service, authorise a transaction through its wallet and continue its work. The spending authority still comes from the wallet configuration and the application controlling it. Stripe has already placed Privy in this market. In its 7 May announcement with AWS, Stripe described Privy as a Stripe company supplying wallet infrastructure for Amazon Bedrock AgentCore payments. That earlier partnership covered access to paid online resources and other agents. The XRPL announcement adds another blockchain payment route to that wider agent-wallet business. Wallet owners can export their keys. Privy's XRPL wallets support private-key and seed-phrase export, according to the documentation. These provide portability for users who want to recover or move the keys controlling their wallet. The documentation distinguishes its exported key formats from XRPL's native family-seed format. The key format is relevant when a holder moves between wallet products: the receiving software must support the format being exported. Privy Home, introduced in August 2025, provides a separate interface for managing and recovering embedded wallets across supported apps. It shows the broader product approach behind the new integration: familiar app access alongside controls for the assets a wallet holds. Transaction controls will shape agent spending. The current XRPL documentation lists policies for transaction types, payment destinations and amounts. An application can use these constraints to define which signed actions are permitted. Privy's launch announcement says the companies will continue deepening the integration, including policy controls and gas sponsorship. Those plans extend the payment experience over time. For fintechs and agent developers, the immediate building blocks are wallet creation, transaction signing, supported XRPL assets and key portability.

XRP community clash: holder questions XRPL DeFi as Ripple adds new Privy integration. A debate inside the XRP community intensified this week after Anodos founder Panos Mekras explained why his company is shifting its focus toward Solana, arguing that XRPL currently lacks the liquidity, activity and integrations needed to build the type of DeFi product Anodos wants. The timing made the exchange more interesting. One day later, Ripple announced an integration with Privy, a Stripe company, that will bring embedded and programmable wallets to the XRP Ledger. The new tools will let developers build products using XRP, RLUSD and other XRPL assets without forcing users to manage their own keys. That prompted pro-Ripple lawyer Bill Morgan to respond to Mekras with a short message: "Not 0 integrations and activity apparently." What you'll learn Panos says Solana currently offers Anodos more. On October 12, Mekras reflected on more than a decade in the XRP community and three years building within the XRPL ecosystem. He said he would remain an XRP holder and supporter of XRPL, but Anodos is now doubling down on its app and taking a chain-agnostic approach. When Morgan wished him luck with Solana, Mekras explained the decision more directly. His argument was that users ultimately care about the product experience, not which blockchain operates underneath it. For Anodos, he said Solana currently provides the technology and ecosystem needed to build a sustainable application. The discussion became more heated after another X user accused Anodos of moving to whichever blockchain would fund the company. Mekras rejected that claim and said the problem was commercial viability on XRPL, writing that there was "0 liquidity, activity, integrations." That wording is the part worth examining more closely. The data supports the gap with Solana, but not literally "zero" Current on-chain data gives some support to Mekras' broader complaint about ecosystem scale, although "zero" is clearly an exaggeration if interpreted literally. DefiLlama currently tracks roughly $41 million in XRPL DeFi TVL, around $6.1 million in daily DEX volume and about $40 million in DEX volume over seven days. XRPL also recorded roughly 40,600 active addresses and 2.58 million transactions over the latest 24-hour period. Solana operates on a very different scale. DefiLlama currently lists about $6 billion in Solana DeFi TVL and roughly $2.04 billion in daily DEX volume. The network also recorded around 3.22 million active addresses and 117.7 million transactions over 24 hours. Using those figures, Solana's DeFi TVL is roughly 146 times XRPL's, and its daily DEX volume is more than 300 times larger. That helps explain why a DeFi-focused builder might currently find Solana commercially more attractive. It does not mean XRPL has no activity or integrations. Ripple's Privy deal arrives at an interesting time. Ripple's October 13 announcement provided an immediate counterpoint to the debate. Privy confirmed that it is partnering with Ripple to bring programmable wallet infrastructure to XRPL. Developers will be able to create wallets programmatically, sign XRPL transactions and build experiences using XRP, RLUSD and other assets. The integration is specifically aimed at reducing friction. Payment companies and fintech applications can offer embedded wallets without making users manage seed phrases or private keys directly. Privy also plans to support programmable wallets for AI agents, including x402 payments. Privy says XRPL has more than 8 million funded accounts and has processed more than $1 trillion in transferred value over its lifetime. Ripple has also been working on agent-based payments separately. In June, it introduced an XRPL AI Starter Kit with support for x402 payments using XRP and RLUSD. So Morgan's response has a factual basis: XRPL plainly does have integrations and activity. Its take. Both sides are talking about slightly different things. Mekras appears to be making a business argument about what Anodos needs today. Solana offers vastly deeper DeFi liquidity, far higher decentralized trading volume and a much larger active-user base based on current data. Morgan is challenging the literal claim that XRPL has no integrations or activity, and Ripple's Privy announcement makes that wording difficult to defend. The more useful question is whether integrations such as Privy can eventually translate into the type of liquidity and application activity that builders like Anodos are looking for. An integration announcement alone does not close a 100x-plus ecosystem gap. But it does show that XRPL development is continuing, and that the debate is less about whether anything is being built and more about whether enough is being built to make XRPL competitive for consumer DeFi applications today.

Ripple partners with Privy to expand XRPL access for XRP and RLUSD payments. October 13, 2026 - By CoinGape - Original Ripple partners with Privy to enhance XRPL payment infrastructure, allowing easier transactions for XRP and RLUSD. Confidence: 80% Horizon: medium-term Key numbers. * 13 million agent payments processed by XRPL * 25% of XRPL network activity attributed to agent payments Market drivers (micro). * Integration of Privy's wallet infrastructure enhances payment capabilities. * Increased developer access to XRPL for building payment solutions. * Simplified consumer payment processes through embedded wallets. Context (macro). * Growing interest in digital payments and blockchain technology. * Increased adoption of stablecoins in financial transactions. Who wins / who loses. * Developers and fintechs benefit from enhanced payment solutions. * Traditional payment systems may face increased competition. Scenarios. Base The integration will likely lead to increased usage of XRPL for various payment applications. Alt If adoption is slow, the impact on XRPL's growth may be limited. What to Watch next. * Monitor the adoption rate of XRPL post-integration. * Watch for new fintech products leveraging XRPL capabilities. * Observe market reactions to increased stablecoin usage. Full analysis. Ripple has announced a strategic partnership with Privy, aimed at enhancing the payment infrastructure on the XRP Ledger (XRPL). This collaboration is set to facilitate easier transactions for XRP and RLUSD payments, marking a significant step forward in the evolution of digital payments. Key details of the partnership. Privy will integrate its programmable wallet infrastructure into the XRPL, enabling developers to build programmatic wallets for XRP and RLUSD payments. This integration is expected to simplify consumer payments and broaden access to the XRPL, making it easier for businesses and developers to create financial products that leverage the capabilities of both Ripple and Privy. Benefits for Developers and fintechs. With this partnership, developers will have the ability to create and manage XRPL wallets programmatically, allowing them to sign transactions and build experiences using XRP, RLUSD, and other digital assets on the XRPL. Additionally, fintech companies can offer embedded wallets that facilitate stablecoin payments without requiring users to manage their own keys, thus enhancing user experience and security. The Growing role of XRPL. Ripple has highlighted that the XRPL is already powering the next wave of commerce, having processed 13 million agent payments to date, which now account for roughly 25% of network activity. This partnership with Privy is expected to further boost the adoption and usage of the XRPL in various payment scenarios. Future implications. As the digital asset space continues to evolve, the collaboration between Ripple and Privy could pave the way for more innovative payment solutions and broaden the appeal of the XRPL to a wider audience. This marks another milestone for the XRP community and reflects the ongoing trend of integrating blockchain technology into everyday financial transactions. In conclusion, the partnership between Ripple and Privy represents a significant advancement in the capabilities of the XRPL, potentially transforming how payments are processed and managed in the digital economy.