The XRP Ledger Foundation has introduced significant updates aimed at expanding the use of the XRP Ledger (XRPL) in AI-driven payments and digital wallet interoperability. Developers can now access new tools that allow AI agents to interact with XRPL wallets and payment infrastructure, positioning XRP as a key asset in automated financial transactions.
XRPL adopts Open Wallet Standard
The XRPL AI Starter Kit v1.1 now supports the Open Wallet Standard (OWS), an open-source specification that standardizes the interface for digital wallets across multiple blockchain networks. This upgrade enables developers to create wallets capable of holding addresses for XRPL as well as other networks, all within a single encrypted secure vault.
Previously, developers needed to implement a separate key management system for each blockchain network, which increased complexity and risk. The OWS integration allows agents to request signatures and handle transactions from XRPL through a consistent, policy-controlled interface.
Development documentation now outlines how to create an OWS-backed XRPL wallet, connect it to an AI agent, and conduct signed payments without directly exposing private keys to the agent. This advance is expected to streamline the development of wallet applications that span multiple blockchain systems.
Mini dictionary: XRP Ledger Foundation, a non-profit organization committed to advancing the development, adoption, and utility of the XRP Ledger protocol.
XRP enabled for machine-to-machine payments
The update also equips XRPL to support the Machine Payments Protocol (MPP), a standard for HTTP-based payments initiated by software agents or online services. Tempo and Stripe, known for payments infrastructure technology, co-authored the protocol. Services using MPP can now send 402 payment requests, prompting AI agents to authorize payments before granting access to requested resources.
XRPL enables single MPP payments using XRP, IOUs, and MPTs. The protocol offers rapid settlement, with XRP payments on XRPL finalizing within three to five seconds and sub-cent transaction fees. The deterministic finality feature ensures each transaction receives a clear confirmation without remaining in an ambiguous pending state.
XRP Ledger now integrates with the Open Wallet Standard and serves as a settlement option for the Machine Payments Protocol, letting AI agents process payments over native Payment Channels with deterministic finality.
Streaming payments through XRPL channels
Support for session payments is added via XRP Ledger Payment Channels, allowing agents to issue signed payment vouchers while accessing a service. The payment channel mechanism reduces the need for recording each individual interaction on-chain. Instead, only two transactions are necessary: one to open the channel, and another to close it and settle the account.
New developer tools in the Starter Kit include the xrpl-mpp-sdk, designed to handle the 402 challenge-response authentication and manage sessions for supported payment modes. The team is also developing stablecoin support for payment channel sessions via the XLS-93d standard.
The v1.1 release introduces xrpl-up, a local XRPL testing environment, and an XRPL DEX trading skill for building autonomous trading applications driven by AI agents.
Documentation now enables developers to use XRPL’s Payment Channels for streaming session payments, allowing greater payment efficiency and automation between agents and services.
These developments mark a push by the XRP Ledger Foundation to deepen the role of AI-powered agents in financial applications, keeping XRP as the principal asset for streaming and automated transactions as XRPL connects with emerging open payment and wallet standards.
