Privy

Most chatter here actually concerns an unrelated Stripe-backed crypto wallet product sharing the Privy name, not the Shopify marketing app.

“🔥 My Take on the Stripe + Privy + Zebec Setup (and 2026) This changes everything for Zebec not because of hype, but because of what Stripe specifically represents in the payments world: @Stripe = the #1 developer payment library on earth. •3.1M+ online businesses •1,000+ enterprise integrations •Largest API-first payment company globally •Touches $1.4T+ in annual TPV When Stripe adds something to its stack, there’s instant pipeline because developers simply toggle it on. Most blockchains never get Stripe access. Most don’t even get Privy integrations. Zebec getting both at the same time means: They’re positioning Zebec as the “real-time crypto payments module” for the Stripe ecosystem. This is the first time Zebec is being framed as infrastructure, not as “a payroll company.” That distinction is enormous. Does this take Zebec somewhere major in 2026? → Yes. And here’s why: 1. Stripe does not add things that aren’t being used by enterprise clients. Stripe integrations = Fortune 500 + SaaS companies asking for: •stablecoin rails •programmable payments •real-time payroll •streaming settlements •cross-border automation Zebec is the only project specializing in streaming payments with real compliance rails (FedNow, ACH, USDC, NatPay, AllUnity). Stripe + Zebec tells me Stripe believes streaming payments are about to be demanded at scale. 2. Privy is the #1 “wallet onboarding without the crypto headache.” Privy is used by: •BlackRock (yes, their tokenized funds onboarding) •FriendTech •Stripe’s new crypto pilot •Major fintechs If Privy → Stripe → Zebec is the flow? Then Zebec becomes the payment engine under the hood every time a fintech app wants real-time payment features. 3. This also validates Zebec’s U.S. compliance push. Stripe will NOT touch anything that is: •non-compliant •regulatory grey •vaporware If Stripe is listing Zebec on its ecosystem, it means Zebec has been under NDA review with lawyers and compliance teams. That’s a MUCH bigger signal than any tweet or AMA. 4. Combine this with NatPay, Circle, Visa/Mastercard pilots, and the CS reduction… and the picture becomes clear: Zebec is quietly being positioned as the settlement layer for real-time payments not a niche payroll app, not a DeFi tool, but the infrastructure piece big companies plug in when they need streaming money movement. Stripe + Privy is the moment where Zebec stops being “early-stage Web3” and becomes backend fintech infrastructure. This is the exact pattern we saw before: •PayPal picked Braintree •Shopify picked Stripe •BlackRock picked Privy Now Stripe is positioning Zebec inside that same flow.”— @CryptoQn007 on X

Almost entirely about the separate Privy wallet-infrastructure product used in crypto payroll and embedded wallets — not the ecommerce tool.

“Introducing @Tempo. At Stripe, we care about high-throughput, low-latency payments use cases. As the use of stablecoins (and crypto more broadly) grows across Stripe, Bridge, and Privy, we found that existing blockchains are not optimized for them. For example, it's valuable for real-world financial applications that fees be denominated in a fiat currency that makes sense to the user, but existing blockchains denominate their fees in blockchain-specific tokens. Batch transfers are very useful in payments, but much less important in trading. Bitcoin does ~5 TPS; Ethereum does ~20 TPS, some (like Base and Solana) get to ~1k TPS, but Stripe peaks at >10k TPS. And so on. As such, we decided to incubate Tempo, a new blockchain, in partnership with Paradigm. We think of Tempo as the payments-oriented L1, optimized for high-scale, real-world financial services applications. Tempo is an independent company, with Stripe and Paradigm as the first investors. To ensure that Tempo serves a broad array of needs, we're excited to be working with Anthropic, Coupang, Deutsche Bank, DoorDash, Lead Bank, Mercury, Nubank, OpenAI, Revolut, Shopify, Standard Chartered, and Visa as initial design partners. We will start with an independent and diverse validator set, and plan to move towards permissionless validation. Tempo will have a built-in stablecoin AMM to enable platform neutrality with respect to different stablecoins, and Stripe itself will of course continue to work with many chains as first-class partners. We hope that Tempo makes it easier for things like payment acceptance, global payouts, remittances, microtransactions, tokenized deposits, agentic payments, and more, to move onchain. The Tempo team is 15 people today, led by the terrific @matthuang. If you're interested in building Tempo, get in touch! And if you're interested in partnering, reach out to partners@tempo.xyz.”— @patrickc on X

Merchants say popups are quick to set up and genuinely convert signups, earning Privy a Shopify staff pick nod.

“Self-custodial + easy email signup with Privy. You keep full control of your keys while getting a usable card. This is how onchain finance should be built. Very clean execution 👀”— @AliMathusginola on X

Welcome offers, A/B testing, and cart-recovery email sequences are credited with driving real incremental revenue.

“Shopify has named Privy one of their top staff picks today in the app store! just tried privy popups on my store… lowkey shocked ppl actually signed up. not bad for a 10 min setup”— @scottiz73865 on X

Setup is praised as fast and low-friction, though one widely echoed complaint involves billing continuing post-uninstall.

“putting the consumer’s first and eliminating friction. amazing initiative right here, people irl pay cash for stuff and now they can pay cash for apes. same move privy did with allowing people setup wallets with only email.”— @SixRevolt on X

The standout gripe: recurring $29/month charges reported by merchants even after uninstalling the app.

“Stripe is so far ahead it's not even close. They own distribution with traditional finance, card deployments, off and on ramping, Privy, Tempo, the entire Stripe user base, which is UBER, Shopify, Grubhub and more. No one cares what chain they're using when it's stable coins, it's fast and the wallets don't sign anything anyway, Privy has no user signing in any case, the user just needs to login once. Hyperliquid, Pump, Courtyard, what does Stripe care about owning the ramps, when owning the wallets is even more lucrative and lock-in worthy. The difference between a user on SUI or a user on Solana if they both using Privy? 0. The only way a retail or consumer user might have a preference is because they are socially connected via a community of some sorts to a single chain, we've seen how sticky users can be to a chain if their communities are organic and rewarded, if they're not, they don't care what chain that is. See the current meme hype on ETH has taken volume from SOL.”— @defido on X

Shopify named Privy a top staff pick in its app store, reinforcing its standing as a go-to popup tool.

“E-Commerce Marketing Gambaran kasar: Khusus menggenjot penjualan di platform toko online. Sub-niche: Shopify Marketing, Dropshipping Marketing, Product Listing Optimization, Cart Abandonment. Tools: - Gratis: Google Merchant Center - Berbayar: Shopify Apps, Klaviyo, Privy https://t.co/iCCNu6ZC6h”— @NarasiVisual on X

Minimal standalone context here beyond broader payments-industry commentary.

“In 1992, HTTP 402 was supposed to make payments native to the internet. Banks killed it. Thirty years later, AI agents are forcing the question all over again - and this time, there's no one to block the door. @louisamira started building for this before most people knew what to call it. Late 2024, nobody was really talking about agents. There were no real agent developers. No real merchants accepting agent transactions. He'd spent three years inside @stripe as the first external crypto hire, watching the smartest people in payments operate from first principles. He helped shape the strategy behind Bridge and Privy. Then he left because he saw something Stripe couldn't build internally. Circuit & Chisel was founded on a bet: that every transaction on the internet will eventually be initiated by an agent, not a human. And that the protocol layer for those transactions doesn't exist yet. He calls what they built @atxp_ai - the HTTP for agentic payments. A few months after leaving, @stripe invested. Then @PrimaryVC and @paraficapital led a $19.2M seed, with @stripe, @cbventures, and @SolanaVentures participating. Louis sat down with @drewrogers in San Francisco to discuss: - Why HTTP 402 was supposed to be "payment required" in the early 90s, and why banks made sure it never happened - The moment he realized you can't buy rubber ducks with USDC, and why that matters - What happens when 3 billion agents discover they're five IQ points smarter - and the information spreads by 8 AM - How retailers aren't ready for their human traffic to fall off while agent traffic explodes - Why stablecoins are the only payment method that actually works for agents - The Stripe culture of writing instead of slides, and how that shaped everything he builds - The first time an AI agent emailed their support team on its own Key Moments: 02:28 - Golf to behavioral economics to Google 10:47 - First external crypto hire at Stripe 13:51 - "I had a crush on Stripe from the early days" 15:11 - "Why can't I buy rubber ducks with my USDC?" 17:45 - Bridge and Privy acquisitions 19:48 - "We've never made a single slide as a company" 22:20 - "Every doc I write will be read by a billion agents" 27:00 - Agents vs LLMs: librarian, brain, arms and hands 32:00 - HTTP 402: banks killed the payment internet 36:00 - Retailers not ready for agent traffic 41:00 - ATXP products and multi-chain positioning 43:45 - Know Your Agent compliance 47:00 - First agent support email 49:56 - Circuit & Chisel's project-based approach 52:31 - ATXP Chat: pay-as-you-go multi-model LLM 55:30 - Giving agents email, memory, and skills 56:31 - Asking agents what they actually want 58:52 - How Ramp, Stripe, Shopify, and Meta all define "agentic" differently 1:02:14 - Why Meta will have better ads faster than Google 1:04:01 - The PayPal/eBay strategy: finding the wave early 1:07:19 - How media businesses can optimize for agent traffic 1:12:10 - MCP explained: "a more forgiving version of an API" 1:16:59 - The "Coinbase for crypto" of agents 1:20:42 - Stablecoin positioning: decidedly open 1:23:19 - A year from now: agents watching this show Presented by @Altitude”— @stabledash on X