XRP News Today: Gemini and Ripple Launch XRP Credit Card With 4% Cashback on Purchases

Gemini, in collaboration with Ripple, has introduced a limited-edition XRP credit card, offering users up to 4% cashback in XRP on purchases. This marks a notable advancement in the token’s integration into real-world spending, with the metal card available exclusively in the U.S. [1]. The offering aims to provide the XRP community with immediate financial incentives while reinforcing the token’s utility-driven appeal. The initiative coincides with Gemini’s recent $150 million funding round, which has strengthened market confidence in the project’s scale and vision [2].

The XRP credit card operates on a tiered cashback structure, allocating 4% on gas, 3% on dining, 2% on groceries, and 1% on all other purchases [3]. This model reflects an emerging trend in the crypto sector, where rewards in native tokens are being leveraged to boost adoption and usage. Analysts view the card as a strategic effort to drive demand for XRP, particularly as the token’s regulatory status improves following the resolution of Ripple’s legal case with the U.S. Securities and Exchange Commission [4].

Industry observers highlight the card's potential to extend XRP’s utility beyond speculative trading. By enabling cardholders to earn and accumulate XRP through everyday spending, the initiative introduces the token into routine financial activities, which could enhance its adoption across retail and institutional markets [5]. This aligns with broader discussions about XRP’s role in cross-border payments and its increasing recognition as a functional asset [6].

The launch is also seen as potentially beneficial for XRP’s price performance. Analysts suggest the token could regain momentum, with price targets up to $3.60–$4.00, despite recent declines [7]. The card is expected to stimulate demand both through direct usage and through increased investor interest in XRP’s evolving utility. With over 350 financial institutions already utilizing Ripple’s payment infrastructure, confidence in the token’s long-term value is growing [8].

The introduction of a rewards-based XRP credit card underscores a broader shift in integrating crypto assets into mainstream financial systems. XRP has demonstrated consistent real-world utility, especially in cross-border remittances, contributing to its transition from a disputed asset to one with clear applications [9]. As more tools like the Gemini XRP credit card emerge, the token may gain further adoption among both institutional and retail users, reinforcing its standing in the crypto ecosystem.

Source:

[1] Ripple and Gemini Unveil XRP Credit Card as Ripple vs ... (https://www.thecoinrepublic.com/2025/08/25/ripple-and-gemini-unveil-xrp-credit-card-as-ripple-vs-sec-case-ends/?amp)

[2] LIVE NOW: Gemini Credit Card - XRP Edition: Earn Up to 4 ... (https://www.instagram.com/p/DNx8_NYXu-e/-live-now-the-gemini-credit-card-xrp-edition-earn-up-to-4-back-in-xrp-on-everyda/)

[3] XRP's Undervalued Utility and the Case for Rebalancing ... (https://www.ainvest.com/news/xrp-undervalued-utility-case-rebalancing-crypto-portfolios-2508/)

[4] XRP Traders Optimistic for a Surge Amid Recent Trends (https://investorshangout.com/xrp-traders-optimistic-for-a-surge-amid-recent-trends-372259-/)

[5] La Carte de crédit XRP de Gemini (https://www.instagram.com/p/DNyhZS0Yi45/)

[7] XRP Down Another 3% But Traders Eye A Breakout To $3.70 (https://www.benzinga.com/crypto/cryptocurrency/25/08/47316792/xrp-down-another-3-but-traders-eye-a-breakout-to-3-70)