Ripple has taken a new step to position XRP and its stablecoin Ripple USD (RLUSD) in the payments market for AI agents. The company has reportedly released a toolset called the “XRPL AI Starter Kit,” enabling developers to build AI-powered payment systems on the XRP Ledger.
This toolkit enables AI agents to make payments, check balances, and perform wallet transactions on the XRP Ledger. The system also supports automated payment processes based on the x402 protocol.
Ripple’s new initiative aims to enter the on-chain micro-payment market, currently largely dominated by dollar-based stablecoins, with XRP and RLUSD.
The toolkit includes access to XRPL data sources via MCP servers, wallet creation via Claude integration, balance inquiry, and payment functions. It also offers machine-to-machine payment support with XRP and RLUSD within the x402 framework.
The x402 protocol is known as an infrastructure proposed by Coinbase and maintained by the x402 Foundation within the Linux Foundation. The protocol aims to enable AI agents to automatically complete on-chain payment and verification processes during API calls using the HTTP 402 “Payment Required” status code. Therefore, x402 is considered one of the potential payment infrastructures for the machine economy.
Although the market is still in its early stages, on-chain data indicates that this model is growing rapidly. It’s reported that x402 has processed over 100 million transactions on the Base network, expanded to multiple blockchain networks including Solana, and has a total transaction volume exceeding 120 million. The scale of USDC payments is estimated to be around $41 million, with an average transaction value of approximately 5 cents.
However, the current ecosystem still appears to be largely concentrated around stablecoin payment networks. Base and Solana account for the majority of transaction traffic, while their use cases are mostly centered around API calls, pattern inference, and microservice payments.
Ripple’s main claim in this area is that XRPL can offer a more stable consensus infrastructure for high-frequency AI agent payments thanks to its 3- to 5-second transaction confirmation time, low fee structure, native DEX, escrow, and multi-signature mechanisms. The company’s approach also includes the claim of reducing the risks of running smart contracts.
However, this model faces some technical risks. It is noted that the x402 mechanism still encounters some difficulties in synchronizing on-chain transactions with web requests.
*This is not investment advice.
