Privy lleva infraestructura de billeteras integradas al XRP Ledger para aplicaciones de pago

BITZ0 · 2026-10-16T08:08:47.000Z

Privy anunció el 13 de octubre que se asociará con Ripple para llevar infraestructura de billeteras programables al XRP Ledger, y ofrecerá a los desarrolladores herramientas para crear y gestionar billeteras XRPL dentro de sus propias aplicaciones. La integración está dirigida a productos de pago y agentes de software que necesitan almacenar y transferir activos digitales sin obligar a cada usuario a configurar una billetera aparte. Según el anuncio de Privy, los desarrolladores que utilicen la integración podrán crear billeteras mediante programación, firmar transacciones y admitir XRP, la stablecoin RLUSD de Ripple y otros activos emitidos en el ledger. El acuerdo acerca a Privy, proveedor de infraestructura de billeteras, a aplicaciones en las que los pagos son una función y no el producto principal.

Privy said on October 13 that it is partnering with Ripple to bring programmable wallet infrastructure to the XRP Ledger, giving developers tools to create and manage XRPL wallets within their own applications. The integration is aimed at payments products and software agents that need to hold and move digital assets without directing every user through a separate wallet setup.
Developers using the integration can programmatically create wallets, sign transactions and support XRP, Ripple’s RLUSD stablecoin and other assets issued on the ledger, according to Privy’s announcement. The arrangement puts Privy, a wallet-infrastructure provider, closer to applications where payments are a feature rather than the primary product.
The practical test will be whether developers can make account creation and transaction funding unobtrusive while retaining controls appropriate for payment flows. On XRPL, a new standard account requires an initial reserve, so the partners’ planned sponsorship features carry operational weight beyond a simple interface improvement.
Programmable XRPL wallets for payments developers
Privy’s tools are intended to let applications provision and manage XRPL wallets within their own experience rather than requiring customers to install and operate an external wallet before making a payment, potentially allowing fintech and payments applications to handle onboarding, balances and transaction approval flows in one place. Privy described the capability as wallet infrastructure for XRPL, including transaction signing, which authorizes a transaction from a wallet, with support for XRP, RLUSD and other XRPL assets. The announcement does not set out adoption figures, launch volumes or specific customer deployments, so the immediate significance is the availability of the developer integration rather than evidence of usage at scale.
Embedded wallets and key management
For consumer-facing applications, the pitch is to reduce the burden of private-key management. Privy said embedded wallets can enable stablecoin payments within fintech and payments apps without requiring users themselves to manage private keys.
That design shifts more of the wallet experience into the application, a potentially useful approach where payment completion matters more to a user than interacting directly with blockchain software. It also creates a need for clear wallet-recovery and custody design by the applications implementing it; Privy’s announced model includes an option for users to export private keys or seed phrases for portability.
Exportability distinguishes an embedded-wallet flow from one in which access is permanently confined to a single application. Privy did not specify in the announcement how individual developers will present that option or what policies each app may apply around it.
Official Privy–Ripple–XRP Ledger partnership graphic. — Source: Privy
AI agents and x402 payments
The integration also extends to server-side wallets for AI agents and x402 payments. Those wallets can allow software to hold funds and pay for online services, The Block reported.
This is a different use case from a customer tapping through a payment screen. In the agent model described by the reporting, software operating on a server can make payments for services, making wallet controls and transaction permissions particularly relevant to how a developer deploys the system.
The x402 ecosystem has drawn measurable activity. CoinDesk reported more than 14.3 million cumulative x402-related transactions across 169 registered merchants as of October 14. That figure provides context for the payment protocol’s reported reach, but it does not identify how many transactions, if any, will use Privy’s new XRPL integration.
XRPL reserves and sponsorship
XRPL’s current base reserve is 1 XRP, and a new standard account must be funded with that reserve before it becomes active, according to the XRP Ledger documentation.
For developers provisioning wallets during onboarding, that requirement has to be incorporated into the product flow. The funding may be handled by the user, absorbed by the app, or built into another flow.
Privy and Ripple said they plan to add policy controls and gas sponsorship to the integration. The supplied announcements did not provide a rollout date or detailed terms for those features.
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