Building payments and agentic commerce with the XRP Ledger
Privy is bringing programmable wallet infrastructure to the XRP Ledger (XRPL)
Debbie Soon
|Oct 13, 2026
We’re partnering with Ripple to bring Privy wallets to the XRPL, making it easier for developers to build payments and agentic experiences on the network.
The XRPL is a decentralized Layer 1 blockchain built for moving and exchanging digital assets, with fast settlement, low transaction costs, and support for assets ranging from stablecoins to tokenized real-world assets. Over more than 14 years, the network has grown to more than 8 million funded accounts and $1 trillion in value moved.
With Privy, developers will be able to create and manage XRPL wallets programmatically, sign transactions, and build experiences using XRP, RLUSD, and other digital assets on XRPL.
For payments companies and fintechs, embedded wallets make it possible to offer stablecoin payments without requiring users to manage keys themselves. Server-side wallets can also give agents a way to hold and transact with funds, including through x402 payments.
Developers building on XRPL with Privy will be able to:
Create and manage XRPL wallets programmatically through Privy
Sign XRPL transactions using Privy’s wallet infrastructure
Build with XRP, RLUSD, and other digital assets on XRPL
Enable x402 payments for agentic commerce
Give users ownership and portability with private key and seed phrase export
“Privy brings proven wallet infrastructure that makes it easier for fintechs and developers to bring XRPL into real products, from payments and stablecoin experiences to emerging forms of agentic commerce. Paired with XRPL’s fast settlement, low transaction costs and native support for moving and exchanging digital assets, developers have a strong foundation to build financial products that can scale.” — Markus Infanger, SVP of RippleX at Ripple
“Stablecoins are changing how money moves, and XRPL has been building for payments from the start. We’re excited to make Privy wallets available to developers building on XRPL, from global payments to agentic commerce, and whatever comes next.” — Henri Stern, Cofounder and CEO of Privy
We’re continuing to deepen the integration over time, including policy controls and gas sponsorship. These capabilities will give developers more control over how wallets transact, without adding complexity for their users.
Learn more and start building on XRPL with Privy.
