Ripple has expanded its XRP Ledger AI Starter Kit to support the Machine Payments Protocol (MPP), developed by Stripe and Tempo, allowing AI agents to make automated payments for online services using XRP and Ripple’s dollar-pegged stablecoin RLUSD. Version 1.1 of the kit also incorporates the Open Wallet Standard, enabling developers to manage cross-chain wallets through a unified interface. The update supports both one-off and recurring payments, with the latter currently limited to XRP but planned to include RLUSD once a proposed ledger upgrade is implemented.
The integration aims to position XRP and RLUSD as viable payment options alongside traditional stablecoins like USDC for AI-driven applications. Ripple’s head of product, Jazzi Cooper, emphasized the kit’s role in making XRP and RLUSD “first-class options” for developers building services that charge AI agents for data, computing, or other digital goods. By supporting both the MPP and x402—another web payment standard Ripple added in June—the developer toolkit caters to builders who may have chosen one standard over another before selecting a blockchain.
The beta software enables AI agents to request transactions without exposing private keys, enforcing safeguards such as spending limits and approved destinations. Ripple’s approach leverages XRP’s channel-based infrastructure to facilitate small, repeated payments, such as an agent depositing XRP to cover hundreds of microtransactions in a single session. This reduces blockchain transaction overhead, as payments accumulate rather than being processed individually. However, RLUSD support for recurring payments remains contingent on Ripple’s pending ledger upgrade.
While Ripple has not disclosed commercial adoption of the MPP integration or payment volumes, the update underscores its strategy to expand XRP’s use case beyond remittances and DeFi into enterprise and AI-driven financial workflows. The development aligns with broader trends in crypto payments, where stablecoins and native tokens are increasingly competing for acceptance in digital commerce.
