Ripple has partnered with Privy, the wallet infrastructure company owned by Stripe, to bring Privy's wallet technology to the XRP Ledger (XRPL). The collaboration will focus on wallet integration and developer tools, with the aim of making it easier for applications to offer users on-chain wallet functionality. The companies have not yet disclosed a launch date or detailed product plans.
Privy to provide wallet infrastructure for XRPL apps
Privy offers embedded wallets and related infrastructure that developers can integrate directly into their applications. Unlike traditional onboarding, which often requires users to create a separate crypto wallet and manage a series of unfamiliar steps themselves, embedded wallets can place parts of the wallet experience within the application.
Bringing this technology to XRPL could give developers on the network access to Privy's tools for building wallets and user-facing applications. In blockchain ecosystems, wallets serve as the gateway for holding assets, signing transactions and connecting to on-chain services. The way wallets are integrated, and the level of effort required to use them, can affect whether new users complete those steps successfully.
Ripple and Stripe-owned Privy expand collaboration
The central element of the partnership is the planned introduction of Privy's wallet technology to the XRPL ecosystem. Stripe acquired Privy in 2025, after which Privy became a Stripe company while continuing to provide wallet infrastructure for developers. Ripple is leading the effort to connect the technology with the XRP Ledger.
The information released so far does not include the commercial terms of the agreement, a deployment date or details on which XRPL applications or services may adopt Privy's technology first. The extent to which the products will be launched, and how widely developers will use them, remains to be established through further announcements.
Wallet design will shape the user experience
Integrating wallet infrastructure could reduce the work required for developers to build wallet functionality from scratch and may make XRPL-based services easier for end users to access. However, the practical experience will still depend on how products handle wallet creation, key management and transaction authorization. The details currently available do not show what specific features users will receive.
For the XRPL ecosystem, the partnership's value will ultimately depend on developer adoption and whether the wallet tools lead to more usable on-chain applications. At this stage, the companies have outlined a technology partnership but have provided no user figures, application counts or on-chain activity data that would allow its impact to be measured.