XRPL Validator Vet has outlined the differences between the two assets, explaining how their design, level of control, and intended uses separate them beyond their price characteristics.

RLUSD is a dollar backed stablecoin issued by Ripple. As its issuer, Ripple operates under US regulations and retains the ability to freeze RLUSD. XRP, however, has no central issuer or jurisdiction governing it. No single entity can freeze the asset. Vet described XRP simply as a commodity.

What's the difference between XRP and stablecoins like RLUSD?

RLUSD is optional. XRP isn't.

RLUSD is a dollar-backed token issued by Ripple. As the issuer, Ripple has to follow US law and can freeze RLUSD. XRP has no issuer and no jurisdiction, and nobody can freeze it. It's a…

— Vet (@Vet_X0) November 3, 2026

How the Ledger Treats Each Asset

XRP holds a unique position within the XRP Ledger’s structure. Every account requires an XRP reserve, while transaction fees are paid exclusively in XRP. RLUSD operates differently because users must establish a trust line before they can hold the stablecoin.

The decentralized exchange also gives XRP a distinct function. When users execute cross currency swaps, the XRPL automatically evaluates whether routing the transaction through XRP would provide a better exchange rate. For example, when exchanging USD for EUR, the system can assess XRP as an intermediary asset to determine whether it offers a more efficient route.

This feature gives XRP a role in the ledger’s liquidity infrastructure that other issued assets do not automatically receive.

Volatility and Different Use Cases

Vet also explained why XRP’s price volatility serves a different purpose from RLUSD’s stability. XRP has no backing asset determining its market price. Instead, its value fluctuates according to market demand and trading activity. Vet described this volatility as “exactly what attracts traders and investors.”

RLUSD serves a different audience by maintaining a value equivalent to $1. This makes it suitable for payroll, invoices, and other financial operations where price fluctuations could create uncertainty.

For transactions requiring a neutral asset outside the control of any government or central issuer, Vet considers XRP the appropriate option. He described it as “the only choice on the XRP Ledger” for this particular purpose.

He also explained the advantage for market makers. Using XRP to connect liquidity pools allows them to manage exposure to a single asset without taking on the additional counterparty risks associated with an individual token issuer.

Debate Over Demand for Native Assets

Another commenter, Frank, acknowledged the differences Vet described but questioned how they translate into XRP’s market value. Frank noted that XRP’s valuation depends on its monetary premium, making demand from holders a more relevant measure than transaction volume or token burns alone.

Vet responded by referencing the performance of native assets across the cryptocurrency market. “Native assets make up the majority of the total market cap of crypto,” he wrote, adding that demand for this asset category had increased.

Could XRP Support Institutional Settlement?

The discussion also covered whether institutions such as DTCC and Euroclear could use XRP for settlement. One commenter said clarity on this possibility would be important to retail holders.

Vet explained that institutions can use the XRP Ledger whenever they choose, without requiring permission from a central authority.

“If the DTCC wants to use the XRP Ledger they can do that. Whenever they want to. They don’t need to ask for permission,” he stated.

His response reflects the ledger’s open access structure, which allows institutions to determine independently whether its infrastructure meets their settlement requirements.

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His reply adds to a growing body of statements from Ripple leadership about XRP’s role in the ecosystem.

Garlinghouse recently affirmed that Ripple will never give up on XRP. This post gives the community an idea of how the two assets relate to each other.

Agreed!

RLUSD isn’t competing with XRP. It’s competing with other stablecoins. Use case matters, and I want those use cases running on the XRPL.

— Brad Garlinghouse (@bgarlinghouse) November 3, 2026

WrathofKahneman’s Analysis

WrathofKahneman, a well-followed voice in the XRP community, shared an analysis on October 23 describing how RLUSD benefits the XRP ecosystem. He argued that more liquidity on the XRP Ledger makes XRP easier to use over time.

He also raised a question that many holders have been sitting with: will XRP become a specialized institutional asset with gated liquidity, or will it achieve widespread everyday use? His post acknowledged a limitation. Without direct use of XRP in transactions, the price impact of RLUSD activity is secondary.

That concern connects to a wider debate. Commentator BrutallyHonest recently pointed out that Ripple replaced XRP with RLUSD for dollar-to-dollar transfers. XRP was meant to play that role, and both observations point to the same underlying question: how much direct utility does XRP retain as RLUSD grows?

Ripple CEO’s Response

Ripple CEO agreed with WrathofKahneman’s read on the relationship between the two assets. He then clarified the competitive dynamic: “RLUSD isn’t competing with XRP. It’s competing with other stablecoins.”

He closed by stating his goal: “I want those use cases running on the XRPL.” That statement is significant. Garlinghouse is not just defending RLUSD as a separate product. He is expressing a strategic preference for RLUSD activity to generate traffic on the XRP Ledger itself. He sees both assets as complementary as they serve the same infrastructure.

The Bigger Picture

This exchange reflects the debate that has run through the XRP community in recent months. One side sees RLUSD as expanding the ecosystem. The other sees it as a replacement for XRP in payment corridors where XRP was originally expected to operate.

Ripple President Monica Long had previously described RLUSD as additive and complementary to XRP. Garlinghouse’s reply to WrathofKahneman reinforces that position and ties it to a concrete goal of keeping use cases on the XRP Ledger.

Garlinghouse’s reply addresses the competitive relationship between RLUSD and XRP. The question of whether XRP becomes a specialized institutional asset or achieves wider adoption remains open. What Ripple CEO has confirmed is that Ripple sees both assets as operating together on the same ledger, toward the same goal.

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Crypto researcher SMQKE tackled it directly in a recent video breakdown on X, walking through the mechanics, the data, and the institutional context behind both assets.

The core argument is simple. RLUSD holds value. XRP moves it.

Two Assets, Two Jobs

SMQKE referenced Ripple’s own RLUSD documentation, which addresses the question explicitly. XRP is the native asset of the XRP Ledger, built to bridge between currencies. RLUSD is a regulated digital dollar, backed one-for-one by real dollar reserves.

Ripple’s president, Monica Long, stated before RLUSD launched that its integration is “both additive and complementary to XRP.” That statement matters. Complementary means the two assets expand each other’s utility, not that one displaces the other.

RLUSD WAS NEVER CREATED TO REPLACE XRP

RLUSD and XRP were never doing the same job.

RLUSD holds the value. XRP moves the value.

Each one expands what the other can do.

Stablecoins create the traffic. The traffic creates the need for the bridge.

Full breakdown in the… pic.twitter.com/peXrpsr95N

— SMQKE (@SMQKEDQG) October 31, 2026

The Scale Stablecoins Are Operating At

Stablecoins have become a major part of the financial market. Data from the Bank for International Settlements shows that three leading dollar-backed stablecoins recorded more than 141 million transactions in 2025.

Their combined on-chain transfer volume reached $46 trillion over the year, almost three times Visa’s payment volume. RLUSD itself grew from zero to $1 billion in under 11 months.

That volume has a direct relationship with XRP. Before any account can hold RLUSD on the XRP Ledger, it must hold XRP in reserve.

Every RLUSD payment burns a small amount of XRP as a fee. When a dollar needs to convert into another currency, the ledger can route it through XRP. SMQKE put it plainly: “XRP used at every step.”

Why RLUSD Also Exists on Ethereum

SMQKE addressed the Ethereum question with a strategic explanation. Ethereum had years of stablecoin liquidity before RLUSD launched, so that is where large pools of enterprise capital already sat. Ripple issued RLUSD on Ethereum to access that liquidity and funnel new users toward the XRP ecosystem.

The XRP Ledger settles in three to four seconds for under a tenth of a cent. Its built-in automated market maker outperforms traditional Ethereum-based equivalents on speed, scalability, and efficiency. SMQKE noted that liquidity migrates toward more efficient networks, and RLUSD’s expansion is accelerating that process.

Institutional Backing Behind Both Assets

The institutional infrastructure reinforces the relationship. BNY, which holds $63.4 trillion in assets under custody and administration, holds RLUSD’s reserves and added support for XRP and RLUSD side by side in October 2026.

Moody’s assigned RLUSD an investment-grade rating, the first for any stablecoin according to Ripple. Ripple Prime lets trading firms use RLUSD as collateral while trading XRP.

SMQKE closed with the structural logic: “Stablecoins create the traffic. The traffic creates the need for the bridge.”

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In a video attached to his X post, he described the announcement as potentially the biggest among several recent developments involving RLUSD, BNY, and Coinbase.

His comments came after Ripple SVP of Stablecoins Jack McDonald announced that Moody’s Ratings had assigned RLUSD an A2 long-term rating and a P-1 short-term rating. The P-1 rating represents Moody’s highest short-term rating category under its stablecoin framework.

Moodys Opens The XRP Floodgates pic.twitter.com/HXgZzvQYoA

— Digital Asset Investor (@digitalassetbuy) October 28, 2026

Moody’s Gives RLUSD Institutional Recognition

Digital Asset Investor focused heavily on the distinction between RLUSD and competing stablecoins. He noted that USDT and USDC do not currently hold the same Moody’s ratings under this framework, while RLUSD has received both an A2 long-term rating and P-1 short-term rating.

The ratings apply to RLUSD issued through Standard Custody & Trust Company, Ripple’s New York-regulated subsidiary. Moody’s assessment also takes into account RLUSD’s reserve structure, which maintains more than 103% reserve coverage, primarily through short-term U.S. Treasury bills and cash.

For institutions, a formal credit assessment can provide an additional reference point when evaluating settlement assets, liquidity instruments, and counterparty risks. That distinction becomes important as stablecoins increasingly move beyond crypto-native markets and into institutional financial operations.

BNY and Coinbase Add to the Institutional Push

Digital Asset Investor also connected the Moody’s announcement with developments involving BNY and Coinbase.

BNY serves as the primary custodian for RLUSD’s reserve assets, giving the stablecoin infrastructure a connection to one of the largest financial institutions in the United States. Coinbase has also expanded support for RLUSD across its retail and institutional platforms.

Together, these developments give RLUSD access to established financial infrastructure while Ripple continues to expand its presence across payments, custody, banking, and digital asset services.

Digital Asset Investor referred to these developments collectively before making his broader XRP claim.

“Folks, you don’t have to be a math genius to figure out where XRP is going,” he said. “XRP is at the center of all of it.”

Why XRP Matters to the RLUSD Expansion

RLUSD and XRP serve different functions, but their activity can intersect through the XRP Ledger. RLUSD transactions on XRPL require XRP for network fees, while increased stablecoin activity can contribute to greater usage of the ledger.

Higher RLUSD adoption could also support deeper liquidity across XRPL markets, potentially creating additional opportunities for XRP to function within cross-border liquidity flows.

However, RLUSD growth does not automatically translate into proportional demand for XRP. A stablecoin can increase its supply and transaction volume without creating a one-to-one increase in XRP purchases.

Still, Digital Asset Investor sees the combination of Moody’s rating, BNY custody, Coinbase support, and Ripple’s expanding financial infrastructure as evidence of a broader institutional push. For him, XRP’s role within that ecosystem makes the latest RLUSD development particularly significant.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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Crypto commentator Digital Asset Investor discussed this development in a recent video. He called the pace and scale of announcements coming out of Swell “ridiculous.”

The Coinbase Partnership

RLUSD is now live for retail and institutional customers across Coinbase Prime, Coinbase Exchange, and the Coinbase retail app. Users can convert U.S. dollars and other supported dollar-denominated stablecoins into RLUSD at a 1:1 ratio. Deposits and withdrawals run on the XRP Ledger, Ethereum, and Coinbase’s Base network.

Support for Coinbase Global Exchange customers is coming next, including the ability to use RLUSD as collateral. This is not a limited rollout. Ripple is pushing RLUSD into every layer of the Coinbase ecosystem at once.

Ripple’s SVP of Stablecoins Jack McDonald said the partnership brings RLUSD to the largest institutional client base in the U.S., meeting institutional demand through platforms they already trust.

HUGE RLUSD XRP Announcement pic.twitter.com/zUSMytfWRa

— Digital Asset Investor (@digitalassetbuy) October 28, 2026

A Major Victory for XRP

The XRP Ledger sits at the center of this expansion. RLUSD runs natively on XRPL, and every new platform that supports the stablecoin drives activity back to the ledger. More transaction volume on XRPL strengthens the network and boosts XRP’s demand.

Ripple CEO Brad Garlinghouse addressed speculation at Swell 2026 that the company was shifting focus away from XRP. He said XRP and RLUSD serve complementary roles, with both supporting Ripple’s expanding blockchain payment ecosystem. The stablecoin is not replacing XRP. It is extending what the XRP Ledger can do.

Moody’s assigned RLUSD A2 long-term and P-1 short-term deposit ratings, citing the credit quality and market value of its reserve assets. A Moody’s-rated stablecoin running on the XRP Ledger signals institutional-grade credibility for the entire ecosystem.

Momentum Building at Swell

The Coinbase deal is one of several announcements coming out of Swell 2026. Ripple also expanded its Robinhood relationship, with RLUSD planned for institutional settlement on the XRP Ledger. Ripple also received final OCC approval for Ripple National Trust Bank, which will oversee certain RLUSD reserve activities.

RLUSD launched in December 2024 and has since surpassed $2.6 billion in market capitalization. Ripple expects to approach $900 million in annualized product revenue by the end of 2026.

The Coinbase partnership gives RLUSD its most visible U.S. platform to date, providing more on-chain activity and institutional exposure.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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BNY now supports XRP and RLUSD on its Digital Asset Custody platform. That adds to BNY’s existing role as primary reserve custodian for RLUSD and its custody relationship with Ripple Prime.

The platform gives eligible institutional clients a secure way to hold, safekeep, and transfer digital assets within BNY’s established governance and controls framework.

Trade finance is coming to the XRP Ledger!

Today, we’re expanding our collaboration with @BNYglobal across custody and tokenized trade finance, bringing BNY’s institutional scale together with $RLUSD, @XRP and the XRP Ledger.

→ https://t.co/0wOltZclRj pic.twitter.com/3LRULGEuqO

— Ripple (@Ripple) October 27, 2026

Custody Is Only the Beginning

Ripple President Monica Long described the shift in focus clearly. “We’re moving past the initial issuance of assets onchain,” she said. “Now, it’s all about making these tokenized assets usable for payments and collateral across financial markets.”

BNY also intends to let its clients mint and redeem RLUSD directly through the bank. The two companies plan to expand BNY’s support for tokenized assets and investment products issued on the XRPL as institutional use cases on the ledger develop.

Trade Finance Moves Onchain

The most significant development in the announcement is the push into tokenized trade finance. Ripple and BNY plan to use the XRP Ledger to digitally represent trade finance assets such as receivables. The goal is to broaden investor access and simplify how those assets are managed and distributed.

As a first step, the companies are exploring a supply chain finance initiative with C2FO, a global working capital platform. C2FO President and COO Americas Ragui Selwanes welcomed the collaboration. “Working with Ripple and BNY and leveraging XRPL, we are excited to explore how a new model for financing approved receivables has the potential to broaden access to capital,” he said.

The Infrastructure Behind the Move

RLUSD has grown to approximately $2.5 billion in market capitalization. The XRP Ledger has processed more than 4.6 billion transactions since launch, with settlement times of three to five seconds.

BNY Chief Innovation and Market Transformation Officer Carolyn Weinberg described what the partnership is building toward. “We are working to shape a more continuous, efficient and resilient financial system,” she said, “paving the way for broader institutional adoption.”

The initiative marks a concrete step toward institutional use of blockchain infrastructure across payments, settlement, and collateral management.

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The program now includes three central banks, 24 industry members, and the World Bank Group. At that scale, even a fraction of the liquidity flowing through BLOOM’s infrastructure represents enormous value for XRP.

BLOOM and the Institutional Scale Behind It

BLOOM stands for Borderless, Liquid, Open, Online, Multi-currency, a MAS initiative designed to extend settlement capabilities using tokenized bank liabilities and regulated stablecoins.

The program builds on Singapore’s earlier Project Orchid work and pulls together banks, fintech firms, regulators, and major global institutions under one coordinated framework.

MAS, together with the Bank of England and the Bank of Thailand, is also collaborating to explore settling foreign exchange transactions using synchronized settlement mechanisms. This is institutional-grade infrastructure being tested at the central bank level, and Ripple is inside it.

XRP Will Capture Massive Liquidity pic.twitter.com/I0M3JiAP73

— Digital Asset Investor (@digitalassetbuy) October 25, 2026

RLUSD’s Special Status

Digital Asset Investor noted that RLUSD is “the only token publicly named in a Bloom pilot,” and Ripple announced in March that it would be tested with Unloq. Ripple joined the Singapore central bank’s BLOOM initiative to pilot programmable cross-border trade settlements using the XRP Ledger and RLUSD.

The pilot runs on Unloq’s SC+ infrastructure, a smart-contract-based platform that consolidates trade obligations, settlement conditions, and financing workflows into a single execution layer, with RLUSD payments releasing automatically when predefined commercial conditions are satisfied.

No other stablecoin holds that publicly named position within BLOOM, which gives RLUSD a distinct institutional advantage inside the framework.

XRP Sits at the Center of That Flow

The XRP Ledger serves as the settlement rail for RLUSD, which means every transaction processed through the BLOOM infrastructure runs on XRP’s network. As RLUSD scales across BLOOM’s corridors, XRP captures a percentage of that volume.

Ripple is building the regulatory and institutional credibility layer that turns RLUSD from a stablecoin with modest adoption into a settlement asset for enterprise use cases that require compliance and programmability. Digital Asset Investor called the scale involved “massive,” and the roster of participants backs that up.

Tokenization Expands the Opportunity Further

BLOOM also operates within a growing global shift toward tokenized financial infrastructure. The ledger is also becoming a dominant player in agentic payments, where AI-driven agents execute transactions automatically within predefined limits.

As tokenization scales across trade finance, corporate treasury, and cross-border payments, demand for programmable and compliant settlement assets grows alongside it. XRP sits directly in that expanding path, and the institutional framework to support it is already in place.

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Crypto analyst ChartNerd emphasized this distinction in a comment on a post by Nick | Crypto Crusader, who described XRP as a leading option for routing transactions between multiple fiat-backed stablecoins.

The discussion centers on the different functions of XRP and RLUSD, particularly as more financial assets move onchain.

While RLUSD provides a dollar-denominated option for payments and trading, proponents of XRP’s routing utility believe a neutral intermediary could remain necessary for transactions involving assets that do not share a common currency.

Why $RLUSD can't replace $XRP

"A lot of trades on the XRP Ledger often have a dollar on at least one side. RLUSD is excellent for those situations. However, a lot of trades do not. For example, tokenized Treasuries being swapped for tokenized euro money market funds. Lending… https://t.co/NaHDFGN7pn pic.twitter.com/btYyewZTl6

— ChartNerd (@ChartNerdTA) October 23, 2026

Why RLUSD Cannot Cover Every Transaction

ChartNerd shared a statement from Sagar Shah, Chief Business Officer at Evernorth, explaining why RLUSD cannot replace XRP across all trading scenarios.

Shah noted that many transactions on the XRP Ledger involve the US dollar on at least one side, making RLUSD suitable for those activities. However, he identified other transactions that do not naturally involve dollars, including swaps between tokenized US Treasuries and tokenized euro money market funds.

He also referenced lending markets denominated in different assets and other cross-asset transactions without a dollar component. Such activities may require an intermediary asset to facilitate exchanges between assets that lack sufficient direct liquidity.

Shah described XRP as the asset that could serve this purpose, referring to it as the “Swap Kid.” His explanation presents XRP and RLUSD as assets with distinct functions rather than direct substitutes in every transaction.

Nick | Crypto Crusader Sees a Growing Need for XRP

Nick argued that XRP remains a strong candidate for routing transactions between fiat-backed stablecoins. He acknowledged that the current use case faces limitations because most stablecoins are backed by the US dollar.

However, he suggested that the situation could change as more currencies become available in digital form. In his view, a financial system with onchain representations of multiple fiat currencies would create greater demand for a neutral bridge currency.

Nick maintained that the need for such an intermediary would persist as financial activity moves onto blockchain networks.

Critics Question XRP’s Competitive Advantage

An X user named Alew challenged this position, noting that the growth of fiat-backed stablecoins does not automatically create demand for XRP as an intermediary.

Alew explained that stablecoins with sufficient direct liquidity can trade against one another without routing through XRP. They could also use another liquid asset, including a US dollar stablecoin such as RLUSD, as an intermediary.

The commenter further argued that XRP must compete with alternative routing models on trading spreads, market depth, execution costs and settlement efficiency. According to Alew, greater stablecoin liquidity could reduce the economic incentive to use XRP for some transactions.

The debate ultimately concerns whether XRP can offer a more efficient route than competing assets as onchain markets expand. While Shah and Nick see a continuing role for XRP in cross-asset transactions, Alew maintains that adoption will depend on liquidity and execution advantages rather than XRP’s neutral position alone.

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The analysis positions RLUSD as a strategic complement to XRP, with a specific focus on DeFi adoption and institutional engagement. The argument is that RLUSD gives Ripple “a competitive edge in markets with low liquidity.” The stablecoin does this by operating alongside XRP rather than competing with it.

Ripple intends for RLUSD to drive XRP’s adoption through decentralized finance and institutional investors. Standard Custody, which Ripple acquired in 2024, manages the RLUSD reserves to ensure stability and trust.

Yes, RLUSD is designed to COMPLEMENT XRP and expand its adoption.

Documented. pic.twitter.com/oL1LKDJdP1

— SMQKE (@SMQKEDQG) October 16, 2026

Progress With Real-World Asset Tokenization

The analysis also highlights Ripple’s groundwork in Real-World Asset tokenization. Through a collaboration with Archax, Ripple aims to bring hundreds of millions of dollars worth of tokenized real-world assets onto the XRP Ledger. This aligns with activity from Wall Street institutions.

BlackRock, JPMorgan, and Goldman Sachs have all moved toward blockchain technology, and Ripple’s positioning puts the XRP Ledger in direct proximity to that momentum. This is a meaningful development. Tokenized real-world assets require infrastructure that is both stable and liquid.

RLUSD addresses the stability requirement while XRP handles liquidity and settlement. The two assets complement each other, serving distinct functions within the same ecosystem.

The Role of XRP ETFs

Monica Long, cited in the analysis, expressed optimism about an XRP exchange-traded fund. She pointed to regulatory clarity from the U.S. government as a key factor. XRP and Bitcoin are currently the only two crypto assets with this level of regulatory distinction.

At the time the document was created, Long believed this clarity would allow issuers to file for an XRP ETF. Spot XRP ETFs were approved in late 2025, validating her belief and creating a new investment avenue for traditional market participants.

Institutional access through ETFs has removed several barriers limiting XRP exposure for large fund managers.

Community Responses

Some observers focused on the mechanics of how RLUSD fits into existing payment infrastructure. One commenter noted that placing RLUSD alongside ACH and wire transfers on a shared API is how a stablecoin expands a ledger’s utility without displacing XRP’s role as the bridge asset.

Another raised a concern about RLUSD’s dollar peg, suggesting that a USD-pegged stablecoin carries risk if the dollar itself weakens. A third commenter took a broader view, arguing that the significance of network effects and blockchain adoption is something many observers have yet to appreciate fully.

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The integration allows developers to build payment experiences using XRP, RLUSD, and other digital assets directly into their products, without requiring users to manage their own private keys.

The XRP Ledger has grown to more than 8 million funded accounts and over $1 trillion in value moved. That scale gives the partnership a proven foundation to build on.

Broadening access to XRPL, from everyday payments to agentic commerce.

We’re partnering with @privy_io, a Stripe company, to bring embedded wallets to the XRP Ledger. Developers will be able to build payment experiences with XRP, RLUSD and other digital assets on XRPL directly… https://t.co/eJXsm5bHIZ pic.twitter.com/rIu4HiN6tc

— Ripple (@Ripple) October 13, 2026

What Developers Get

The partnership expands what developers can build on XRPL. Through Privy, they can create and manage XRPL wallets programmatically, sign transactions, and build applications using XRP and RLUSD. Developers also gain the ability to enable x402 payments for agentic commerce, while still giving users ownership and portability through private key and seed phrase export.

Markus Infanger, SVP of RippleX at Ripple, described it as giving developers “a strong foundation to build financial products that can scale.” Henri Stern, Cofounder and CEO of Privy, said the company is “excited to make Privy wallets available to developers building on XRPL, from global payments to agentic commerce.”

Agentic Commerce Takes Center Stage

The agentic angle is significant. The integration enables programmable, server-side wallets. This lets AI agents hold funds and transact autonomously, including through x402 payments. Ripple confirmed that XRPL has already processed 13 million agent payments, which now account for roughly 25% of network activity.

Ripple’s own data shows agentic transactions grew from zero to 13 million in just a few months, a pace that few anticipated at the start of the year.

At XRP Seoul 2026 on October 3, Ripple President Monica Long projected that AI agent transactions on XRPL could climb from 10 million to 100 million. That target now looks achievable given the current trajectory.

Why Privy

Privy is not a niche player. As a Stripe company, it operates wallet infrastructure already trusted by major fintech applications. Bringing that infrastructure natively to XRPL removes one of the main friction points for developers who want to build on the ledger but lack the resources to build wallet management from scratch.

For payments companies and fintechs specifically, embedded wallets make stablecoin payments possible without placing the burden of key management on end users. That is a meaningful shift for consumer-facing applications built on XRPL.

The XRP Ledger has become a serious destination for AI-powered commerce. Privy has confirmed it will continue deepening the integration over time.

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