XRP Targets Stripe’s $1.9 Trillion Payments Ecosystem as Ripple Integrates Privy Wallets

Ripple is expanding the XRP Ledger’s (XRPL) reach into digital payments through a partnership with Privy, the embedded wallet provider owned by Stripe.

Announced Tuesday, the integration will let developers build applications that support XRP, Ripple’s RLUSD stablecoin, and other digital assets without requiring users to manage cryptocurrency wallets independently.

Notably, the partnership could make it easier for fintech companies to incorporate blockchain-based payments into their products, potentially giving XRP greater exposure to Stripe’s payments ecosystem. Stripe reported $1.9 trillion in payment volume during 2025, a 34% increase from the previous year, according to its annual update.

However, it’s important to note that, while the integration does not mean Stripe will process payments in XRP, it could broaden the asset’s reach by making XRPL-based applications easier to develop.  Under the agreement, developers can create wallets, sign transactions, and build services using XRP, RLUSD, and other supported assets. 

Privy provides ready-made wallet tools that businesses can integrate into their apps, while allowing users to export their private keys and recovery phrases.

“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.” Markus Infanger, senior vice president of RippleX at Ripple said.

The companies also plan to introduce policy controls and gas sponsorship, giving developers more control over transactions while simplifying the payment process for users.

These features could support agentic commerce, where artificial intelligence agents make payments to purchase digital services or complete tasks. Privy’s server-side wallets would allow these agents to hold and transfer funds, while support for internet native payments (x402 payments) could enable automated transactions between online services.

For businesses that prefer to avoid cryptocurrency price volatility, the integration also supports RLUSD, Ripple’s dollar-pegged stablecoin. This could allow developers to build payment applications using a stable-value digital asset rather than relying solely on XRP.

Ripple’s move comes as competing blockchain networks pursue partnerships with established financial providers.  Just last month, the Cardano Foundation joined Mastercard’s Crypto Partner Program to explore blockchain applications across payments and financial services.

Cardano has also pursued stablecoin liquidity through USDCx and institutional asset support through Fireblocks, while its participation in the x402 ecosystem targets automated payments involving AI agents.

Ripple, meanwhile, has expanded its payment partnerships through a March 2025 collaboration with Chipper Cash to support crypto-enabled cross-border payments into Africa. In November 2025, Ripple, Mastercard, WebBank, and Gemini announced a collaboration to explore RLUSD settlement for Gemini credit card transactions.