RippleX has added XRP Ledger settlement support for Stripe and Tempo’s Machine Payments Protocol, or MPP, in version 1.1 of its XRPL AI Starter Kit, released on September 15. The integration gives developers a route to use XRP, issued assets and multi-purpose tokens for one-time MPP payments, while XRP can also support session-based payments through XRPL payment channels.
The release is significant chiefly because it connects XRPL to another emerging payment standard aimed at software agents. Its capabilities are not uniform across assets, however: Ripple’s RLUSD stablecoin is currently available for individual MPP transfers, but not for the session payment flow.
XRPL AI Starter Kit v1.1 adds MPP settlement support
RippleX’s developer announcement said XRPL AI Starter Kit v1.1 adds support for MPP, alongside the Open Wallet Standard, a command-line testing tool and an XRPL decentralised-exchange trading skill. The package is intended as a set of developer components for building AI-agent applications, not a consumer payments product.
With the integration, XRPL serves as a settlement rail for MPP. One-time payments can be made in XRP, IOUs and multi-purpose tokens. In XRPL terminology, IOUs are issued assets rather than the ledger’s native XRP asset.
For applications using the MPP payment flow, the kit therefore provides a way to settle payments on XRPL, with the available payment method depending on the asset involved.
MPP gives agents a payment authorization layer
Stripe introduced MPP with Tempo on March 18 as an open, internet-native standard for authorising agent payments to APIs and other services accessible over HTTP. In its announcement of the protocol, Stripe identified microtransactions and recurring payments among its intended uses.
That framework addresses a practical feature of agent-driven services: software may need to make a payment as it accesses a data feed, computing resource, model inference service or another online endpoint. MPP is the authorization standard in that arrangement; RippleX’s addition supplies an XRPL-based settlement option within its starter kit.
The announcement does not establish that MPP has become a dominant payments format or that AI agents are broadly making such payments today. It establishes a technical connection between the protocol and XRPL for developers using RippleX’s tooling.
XRP session payments and RLUSD limits
XRP has the wider set of MPP options in the current release. In addition to one-time transfers, it can be used for session payments through XRPL payment channels. A session model can accommodate repeated payments during an ongoing interaction, rather than requiring the same one-off flow for every transfer.
RLUSD support is narrower. RippleX said RLUSD can be used for MPP single payments, but RLUSD-denominated sessions depend on planned payment-channel support for issued assets and multi-purpose tokens. Until that support arrives, the starter kit’s session-payment capability is confined to XRP.
The limitation also applies more broadly to the relevant non-native asset categories, not solely to RLUSD. RippleX has not provided a date for the planned payment-channel functionality in the material accompanying the release.
Second agent-payment standard for Ripple
MPP is the second agent-payment standard incorporated into the XRPL AI Starter Kit. Ripple launched the original kit in June with X402 support, positioning XRP and RLUSD payments for APIs, compute, model inference and other digital services, according to Ripple’s June announcement.
The addition of MPP therefore expands the kit beyond its initial X402 support rather than replacing it. For developers, it presents separate standards through which an application can arrange payments, with XRPL available as the settlement layer in both of Ripple’s described integrations.
The MPP functionality remains beta software. CoinDesk reported that Ripple had not disclosed commercial customers or payment volume for the integration, leaving its uptake and transaction activity unquantified at launch.
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Source: Crypto Daily