Ripple and Privy, a Stripe company, have announced a partnership that brings embedded wallet support to the XRP Ledger. Privy’s documentation now lists XRPL as a supported network for wallet creation and transaction signing, allowing developers to connect authentication, user accounts and embedded wallets inside the same application flow. A user can sign in with an email address or another familiar method and receive an XRPL address without installing a separate wallet app.
The integration classifies XRPL as a Tier 2 network, meaning the infrastructure can decode and sign XRP Ledger transactions and is eligible for transaction policies. It does not place XRPL in Privy’s Tier 3 group, where Privy would construct, broadcast and track transactions on behalf of developers. As a result, apps using the integration can use Privy for wallet creation and transaction-aware signing while retaining responsibility for submission, confirmation and support flows.
According to Ripple, the collaboration introduces embedded wallets that allow developers to integrate payment experiences using XRP and RLUSD directly into their applications. This removes early friction for users who may not want to manage their own keys before using a payment, trading or rewards product. The announcement follows significant XRPL activity, with 13 million agent payments processed on the ledger, representing roughly 25 percent of network activity.
Privy’s tools leave important design decisions to each application. Recovery methods, approval rules, external transfers and credential migration vary by implementation. XRPL features such as PermissionDelegationV1_1 can divide authority between accounts, but do not decide how a customer recovers a wallet or whether an app presents transfers clearly before signing. Developers still need to make those custody and security boundaries visible.
The real test will come from named apps deploying the feature, repeated active wallets and successful payment flows. Until then, the integration lowers the technical barrier for building XRPL-based consumer experiences, potentially boosting adoption and liquidity within the XRP ecosystem.
