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toolkit

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first_img Ripple's new developer toolkit supports the AI payment standards of Stripe and Tempo

Ripple announced the expansion of its XRP Ledger developer suite to support the Machine Payment Protocol (MPP) co-developed by Stripe and Tempo, as well as the open wallet standard. The XRPL AI Starter Kit version 1.1 adds this support, enabling AI agents to use tokens like XRP and RLUSD to pay for online services such as data and computing power. Jazzi Cooper, head of RippleX products, stated that Ripple's goal is for XRP and RLUSD to become the preferred payment options for developers when building applications.MPP allows AI agents to pay on demand: the service provider quotes a price for the request, and after the agent authorizes the payment, the service provider delivers the resources. This standard was co-authored by payment company Stripe and payment chain Tempo. Ripple has supported another network payment standard, x402, since June, and now supports both standards simultaneously. The open wallet standard allows agents to initiate transactions without accessing private keys and includes security mechanisms such as spending limits and whitelisted destinations.XRP payment channels are suitable for small, high-frequency payment scenarios, allowing agents to deposit XRP once, run hundreds of payment queries, and authorize small expenditures sequentially, enabling the service provider to collect cumulative payments without having to put each query on-chain. Currently, single payments support tokens like RLUSD, but continuous payment sessions are limited to XRP, and incorporating stablecoins into the channel depends on the proposed ledger upgrade. This payment software is still in the testing phase.

Ripple launches XRPL proxy payment toolkit, laying out AI automated payment infrastructure

According to The Block, Ripple announced a toolkit for developers to build "proxy payment" applications on the XRP Ledger (XRPL), supporting AI agents to execute automated financial transactions.Ripple stated that AI agents are no longer a concept of the future but are actively participating in paying computational costs, settling invoices, and completing transactions without human intervention. As the application of AI agents expands, the market is accelerating the construction of payment infrastructure for machines, including wallets and stablecoin payment channels, enabling AI to autonomously complete service payments and asset transactions.This week, Robinhood also launched related plans, allowing users to try stock trading executed by AI agents, with plans to expand into the cryptocurrency space in the future; MetaMask also released a non-custodial wallet solution for AI agents.Ripple pointed out that traditional payment systems mainly serve human-initiated and approval processes, while AI agents require infrastructure that enables fast settlement, predictable outcomes, and no human approval. It emphasized that its new toolkit also supports payment capabilities based on the x402 protocol, allowing settlements using XRP and Ripple USD (RLUSD).Meanwhile, the IC3 team, composed of researchers from several universities, stated that although AI combined with blockchain can achieve automated trading, AI agents still heavily rely on humans and underlying infrastructure, lacking complete independence.
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