AI Agent Payments Reach 15 Million... Expanding XRP Ledger Ecosystem

Sales from 193 merchants with 5,410 services... Cumulative payments reach 15.69 million

AI agents directly pay with XRP and RLUSD based on the x402 standard.

The number of services has surged with the addition of major merchants... Visa and Google also participate in x402.

[Block Media Reporter Lee Hye-yeon] The number of services available for purchase by AI agents on the XRP Ledger (XRPL) has exceeded 5,400.

Payment infrastructure developer t54 announced on the 13th (local time) via X (formerly Twitter) that the services available for AI agents on XRPL have surpassed 5,400. An AI agent refers to software that performs tasks on behalf of users. t54 emphasized that as the number of services increases, there are more reasons to pay with XRP and Ripple USD (RLUSD). t54 has secured a $5 million seed investment co-led by Ripple and Franklin Templeton and has developed and launched the 'XRPL x402 Facilitator' infrastructure tailored for AI agents.

According to the XRPL AI Hub dashboard, as of the 13th of this month, there are 193 registered merchants, 5,410 services offered, and 15,692,399 completed payments. The cumulative settlement amount has exceeded $78,000. The hub's directory counts individual service units, so one merchant may offer multiple services. Therefore, the number of services does not directly equate to the number of businesses. Compared to the number of payments, the average payment amount per transaction is approximately $0.005.

AI agents can now pay for 5,400+ live services on the XRP Ledger.

XRPL AI Hub launched in July as agent payments neared 1M. Today it lists 190+ merchants, and 15M+ payments have settled through our x402 facilitator.

More services mean more reasons to pay in XRP and RLUSD. pic.twitter.com/BQRoaATOv8

--- t54.ai (@t54ai) November 13, 2026

From Price Check to Signature... AI Directly Handles Payments

When the hub launched in July, AI agent payments were nearing 1 million. Jay Ayo Akinyele, head of engineering at RippleX, Ripple's blockchain development organization, mentioned the achievement of 1 million payments and explained that tools and standards for autonomous payments on XRPL are in the early stages of development.

In October, tracked x402 payments approached 12 million. Akinyele highlighted data purchases and AI model usage as representative use cases. Additionally, financial data, risk, and credit-related services have expanded the range of resources accessible to automated buyers.

x402 is a payment standard used for web requests. The service provider first presents the price and payment terms, after which the buyer signs the transaction. At this point, t54's facilitator acts as an intermediary to verify whether the transaction meets the conditions before submitting it to XRPL and returning the settlement results. The payer retains control over their private key throughout this process.

Ripple's 'XRPL AI Starter Kit' combines developer tools and integration features, including x402 support contributed by t54. Through this, AI agents can purchase API access, computing resources, and AI inference with XRP or RLUSD. AI inference refers to generating outputs such as answers using trained models. Wallet tools support balance inquiries, payments, and transaction tracking.

Prices are set directly by service providers. Using RLUSD allows for dollar-based payments alongside XRP payments. According to examples listed on the hub, using an AI model costs 0.0005 RLUSD per request, while digital asset token analysis costs 0.001 XRP per request. As of November 4, the market capitalization of RLUSD is approximately $2.57 billion, having increased by $228 million in a month.

x402 with Participation from Visa and Google... Major Merchants Drive Service Numbers

Meanwhile, discussions around the x402 standard are not limited to XRPL and are progressing towards supporting various payment methods for automated commerce. Ripple joined as a premier member of the x402-related organization sponsored by the Linux Foundation last July. This organization includes Visa, Stripe, Google, and Mastercard, connecting payment companies with technology firms.

The increase in the number of services on the hub has been significantly influenced by the extensive catalogs of major merchants. The Monid Tool Router, which aggregates services from various providers, joined the hub in October, registering over 2,600 pay-per-call services from more than 80 providers. All these services are priced in RLUSD. Nearly half of the total 5,410 services are accounted for by a single merchant.

t54 believes that the expansion of services will lead to increased demand for payments in XRP and RLUSD.