XRP News Today: Gemini Launches XRP Credit Card with Up to 4% Cashback in Crypto

Gemini has officially launched the XRP Edition of its credit card, a limited-edition metal card offering cashback rewards directly in XRP, marking a pivotal development in the token's integration into mainstream financial services. The card became available in early August 2025 and provides tiered rewards based on spending categories, with up to 4% cashback on purchases in fuel, electric vehicle charging, rideshare, and transit. Dining and groceries receive 3% and 2%, respectively, while all other transactions earn 1% cashback, all in XRP. The product is issued by WebBank and built on the Mastercard network, with Gemini handling XRP redemptions and rewards distribution [1].

This initiative is part of Gemini’s broader strategy to enhance XRP's utility following the resolution of its legal case with the U.S. Securities and Exchange Commission (SEC). The XRP credit card is a more targeted evolution of Gemini’s earlier XRP rewards program, which was integrated into its existing card offerings. The new product is designed to appeal specifically to XRP holders through a combination of exclusive marketing and a premium physical design [2].

The XRP token, native to the XRP Ledger, is known for its efficiency in cross-border payments, with transactions finalizing in three to five seconds through its Proof-of-Association (PoA) consensus protocol. Ripple, the company behind XRP, has been expanding the token’s use cases through initiatives such as real estate and carbon credit tokenization. Gemini’s credit card further strengthens XRP's position as a bridge between traditional finance and the crypto ecosystem [3].

The card's launch was preceded by a high-visibility marketing campaign, including a prominent billboard in Manhattan, and it was announced in collaboration with Ripple, who is also providing a credit line to support Gemini’s upcoming initial public offering. While the credit card and IPO support are separate initiatives, their connection underscores a growing partnership between the two firms, potentially paving the way for more XRP-related innovations [2].

In late 2025, XRP’s price has stabilized near the $2.80 support level, reinforced by the 50-day moving average and a high-volume area. Analysts project a price range of $2.05 to $5.81 by the end of 2025, with more optimistic forecasts suggesting a rise into the low double digits by 2030. These projections reflect growing confidence in XRP's role in tokenization and global payments, although they remain speculative and should not be taken as guaranteed outcomes [3].

Despite positive momentum, XRP faces competition from other blockchains such as Stellar (XLM), Solana, and Ethereum, which are also developing real-world asset frameworks. Regulatory challenges in certain jurisdictions also remain a potential hurdle. However, Ripple’s recent legal victory over the SEC and the broader shift toward crypto-friendly policies have created a more favorable environment for XRP adoption [2].

Gemini’s XRP credit card represents a clear, practical use case for the token, reinforcing its value beyond speculative trading. As the crypto market continues to mature, such initiatives may play a crucial role in shaping the future of digital asset adoption, particularly for tokens like XRP that are designed for real-world utility [1].

Source:

[1] Gemini Announces Launch Date for XRP-Themed Credit ... (https://coincentral.com/gemini-announces-launch-date-for-xrp-themed-credit-card/)

[2] XRP Price - Buy, Sell & View The Price Of XRP Crypto (https://www.gemini.com/prices/xrp)

[3] XRP Finds Stability at $2.80, But Is There a Bigger ... (https://coincodex.com/article/71968/xrp-finds-stability-at-280-but-is-there-a-bigger-opportunity-waiting-elsewhere/)