Circle (CRCL) planted a rival flag with its Arc blockchain the day before Ripple's announcement, turning AI agent payment rails into an open contest. XRP alone can stream micro-payments across agent sessions on XRPL today, while RLUSD remains locked out until a future ledger upgrade that has no announced date. Ripple's Stripe integration sits in beta with no live commercial volume, and the announcement's near-empty trading volume signals the market is waiting for a real merchant.
Read More: Learn 7 ways to generate income with a $1,000,000+ portfolio (sponsor) Ripple has connected XRP to a payment system where the buyer is a piece of software rather than a person. The process involves that software requesting a service, which then quotes a price. The software approves the charge, and the service delivers, all without any human interaction at a keyboard, a checkout page, or a card field.
This automated transaction structure is known as an agent payment. On September 17, 2026, Ripple integrated the XRP Ledger into this flow through a standard co-authored by Stripe and Tempo, a blockchain built for payments that launched its mainnet in March. The streaming component of this flow operates on XRP (CRYPTO:XRP) because RLUSD cannot handle that part yet.
So, what exactly has Ripple connected, and what benefits does this bring to holders? Ripple released version 1.1 of the XRPL AI Starter Kit, which now includes support for the Machine Payments Protocol (MPP) and the Open Wallet Standard. MPP is particularly significant for Stripe, which co-authored the protocol with Tempo.
The kit initially launched in June, and this update builds on an existing resource available to developers. The Open Wallet Standard gives wallets a common interface across different blockchains and lets an agent request a transaction without accessing the main private keys, under spending limits and approved destinations set by the account owner. If you've saved over $1,000,000, this guide is for you.
The last thing you want in retirement is to run out of money, you want your money to generate lasting income while you enjoy your life. Now you can learn the strategies wealthy retirees use to fund their retirement with The Definitive Guide to Retirement Income from Fisher Investments. Download the guide today! (sponsor) This functionality is made possible through XRP Ledger 3.3.0's Permission Delegation feature, which allows another account limited authority to perform specific transaction types rather than having full control.
Extract — continue reading at the source.
