Ripple Expands XRPL AI Starter Kit With XRP Payments Standard From Stripe and Tempo

Ripple adds XRP to AI payments

Ripple expanded its XRP Ledger developer kit to support a payments standard created by Stripe and Tempo, giving builders another way to make AI agents pay for data, computing and other online services using crypto. Version 1.1 of the XRPL AI Starter Kit adds support for the Machine Payments Protocol, or MPP, and the Open Wallet Standard, which lets software manage wallets across multiple blockchains through a common interface, according to a RippleX developer post. RippleX head of product Jazzi Cooper wrote on X, “Our job is to make XRP and RLUSD first-class options wherever developers are building.”

The kit also supports x402, another standard for web payments, and Ripple is backing both rather than betting on either, with MPP describing a service that responds to a request with a price and then delivers the requested resource after payment is authorized. CoinDesk said the software remains in beta and Ripple’s announcement names no customers using the new MPP integration commercially, while providing no payment volume for it.

Reporting for this section@coindeskCoinDesk

How the standards work

MPP gives an AI agent a way to pay as it works, with a service responding to a request with a price, the agent authorizing payment, and the service delivering the requested resource. CoinDesk described the Open Wallet Standard as letting software manage wallets across multiple blockchains through a common interface, while also saying the beta software supports one-time payments and ongoing XRP payment sessions. The Cryptonomist said the kit covers wallet creation, transaction monitoring and real-time payment processing, and it is built to work with AI clients such as Anthropic’s Claude, interacting directly with XRPL documentation.

The Cryptonomist also said extending those sessions to stablecoins depends on a proposed ledger upgrade that hasn’t yet gone live, and it reiterated that Ripple’s announcement does not name any customers running the MPP integration commercially and no payment volume figures have been disclosed for that specific feature. CoinDesk added that the Open Wallet Standard integration lets agents request transactions without accessing private keys and enforces safeguards such as spending limits and approved destinations.

Reporting for this sectionCoinDesk@coindesk

What it could change next

Ripple’s integration positions XRP and RLUSD as payment options for AI-agent workflows built around Stripe and Tempo’s open protocol, with CoinDesk saying a business building around that protocol could offer XRP or RLUSD payments through the new integration.

CoinDesk framed a specific use case for XRP payment channels, saying an agent could deposit XRP once, run hundreds of paid queries and authorize a little more spending after each answer, letting the provider collect the accumulated payment without putting every query on the blockchain.

The Cryptonomist said the market pricing shows a potential 15% increase in the likelihood of XRP reaching $3.00 in September, while also noting the U.S. Senate’s progress on the CLARITY Act is being watched as a factor that could shape XRP’s broader market perception.

CoinDesk reported that individual payments already support issued tokens such as RLUSD, but the session feature currently requires XRP, and that adding stablecoins to those channels depends on a proposed ledger upgrade.

Across the coverage, Ripple’s update is presented as a technical integration rather than a one-off announcement, with the Cryptonomist describing it as “a technical integration that lets AI agents actually transact.”

Reporting for this sectionCoinDeskThe Cryptonomist