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

Mars Finance news: Ripple has announced a toolkit for developers to build “proxy payment” applications on the XRP Ledger (XRPL), supporting AI agents to execute automated financial transactions. Ripple says that AI agents are no longer just a future concept—they are already actively involved in paying transaction compute fees, settling invoices, and completing transactions without human intervention. As AI agent applications expand, the market is accelerating the buildout of payment infrastructure for machines, including wallets and stablecoin payment channels, so that AI can autonomously handle service payments and asset trading. This week, Robinhood has also rolled out a related plan that allows users to try stock trading executed by AI agents, with plans to expand into the cryptocurrency asset space in the future; MetaMask has likewise released a non-custodial wallet solution for AI agents.

Ripple notes that traditional payment systems mainly serve manual initiation and approval workflows, whereas AI agents require infrastructure that enables fast settlement, predictable outcomes, and no need for human approval. It also emphasizes that its new toolkit supports payment capabilities based on the x402 protocol, allowing settlement using XRP and Ripple USD (RLUSD). Meanwhile, the IC3 team, made up of researchers from multiple universities, says that although AI combined with blockchain can enable automated trading, AI agents still heavily depend on humans and underlying infrastructure and do not have full independence.