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Ripple and Privy bring embedded wallets to XRP Ledger

Ripple and Stripe-owned Privy are adding XRPL wallet tools for developers, letting apps handle XRP and RLUSD while users keep key export options.

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Ripple and Privy bring embedded wallets to XRP Ledger

Ripple and Stripe-owned Privy said on Oct. 13 that developers will be able to build XRP Ledger wallets into their apps, bringing wallet tools to a network with more than 8 million funded accounts. Privy says the XRPL has moved $1 trillion in value over more than 14 years.

According to Privy’s announcement, developers will be able to create and manage XRPL wallets through Privy, sign transactions, and build with XRP, RLUSD and other digital assets. That lets an app offer payments or stablecoin features without asking users to connect a separate crypto wallet.

What can developers do with Privy on XRPL?

They can create wallets programmatically, sign transactions and support assets on the ledger, including XRP and Ripple’s RLUSD stablecoin. Privy also says developers can enable x402 payments, a way for software and AI agents to pay for online services.

For you as a user, the wallet can sit inside an app instead of requiring a separate wallet connection. Privy says users can export their private keys and seed phrases, so they can move a wallet to another service.

What changes for Ripple and Stripe?

The partnership adds XRPL support to Privy’s wallet infrastructure. The Block’s report says Privy continues to operate separately after Stripe acquired it last year.

Ripple’s Markus Infanger, senior vice president of RippleX, said the tools could help fintechs and developers bring payments and stablecoin products to the network. Privy CEO Henri Stern pointed to global payments and “agentic commerce” as possible uses. Those are the companies’ stated aims; the announcement does not name a launch customer or give a date for broader availability.

When will wallet controls and fee support arrive?

Privy says it plans to add policy controls and gas sponsorship over time. Policy controls would let developers set rules for wallet transactions, while gas sponsorship would let them cover network fees for users. The post gives no release date for either feature.

For now, the confirmed step is XRPL wallet support through Privy’s developer infrastructure, including tools for signing transactions and building with XRP and RLUSD. Watch for Privy’s next product update: it will show when those planned controls and fee support become available.

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