Ripple adds Stripe-owned wallets to XRP Ledger as AI payments pass 14 million
The integration will let software pay for online services using XRP and RLUSD, while questions remain about how much real economic activity the transactions represent.
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Summary
- Ripple and Stripe-owned Privy are partnering to let developers embed XRP Ledger wallets in payments apps, allowing customers to transfer XRP, the RLUSD stablecoin and other assets without setting up separate crypto wallets.
- The integration could also enable AI agents to hold funds and automatically pay for online data and services, with a Ripple executive saying such payments account for about 25 percent of XRP Ledger activity.
- Embedded wallets will still require funding to become active because each new XRP Ledger account must receive the network’s minimum reserve of 1 XRP, even if it will be used only for stablecoin payments.

