XRP News Today: XRP Gets Credit Card Boost as Crypto Seeks Mainstream Entry

Ripple and Gemini have announced the launch of an XRP credit card, marking a significant development for the cryptocurrency ecosystem as the ongoing legal dispute between Ripple and the U.S. Securities and Exchange Commission (SEC) concludes. The new card offers users the ability to spend XRP directly, providing enhanced utility to the token and potentially increasing its adoption among everyday consumers. The timing of this announcement comes amid a broader landscape of regulatory clarity for the crypto industry, which has seen increased institutional interest and infrastructure development over the past year.

The XRP credit card initiative is a collaboration between Ripple, the company behind the XRP token, and Gemini, a well-established digital asset exchange and custodian. This partnership aims to bridge the gap between traditional finance and decentralized systems by enabling cardholders to use their XRP holdings for purchases while earning rewards. The card introduces XRP as a viable payment instrument, reinforcing Ripple’s long-term vision of using blockchain technology to modernize cross-border transactions.

Ripple’s XRP has gained traction due to its role in facilitating fast, low-cost international money transfers. The company’s On-Demand Liquidity (ODL) product allows banks to use XRP as a bridge currency, bypassing the need for pre-funded accounts in foreign currencies. This function is central to Ripple’s broader strategy of competing with traditional payment networks like SWIFT. Ripple CEO Brad Garlinghouse has projected that XRP could capture approximately 14% of SWIFT’s global payments volume within five years, which would equate to $21 trillion in annual transactions [1].

The recent regulatory developments in the United States, including the Genius Act, are expected to further support the integration of stablecoins and blockchain-based payment solutions in the financial system. Ripple’s recent $200 million acquisition of Rail, a stablecoin payment company, signals the company’s intent to expand its product offerings and remain competitive in an evolving market. However, the widespread adoption of stablecoins could also impact the demand for XRP, particularly if institutions prefer using stablecoins over volatile assets for liquidity purposes [3].

Despite the uncertainties, the launch of the XRP credit card is a positive step toward greater consumer adoption and use cases for the token. The card’s availability may attract more users to XRP while also enhancing the token’s utility in real-world transactions. With Ripple’s market cap currently at around $170 billion, any substantial increase in demand could drive the price higher, though achieving tenfold returns will require continued growth in adoption and infrastructure development [1].

Analysts suggest that XRP’s price trajectory has been influenced by both the legal resolution with the SEC and broader market sentiment. While the token has shown significant volatility, the recent uptrend indicates market confidence in its future. Technical indicators suggest that XRP remains above key moving averages and could potentially break out of a consolidation phase in the near term, though risks remain if the price falls below these levels [2].

Source:

[1] Could Ripple (XRP) Deliver 10x Returns? (https://finance.yahoo.com/news/could-ripple-xrp-deliver-10x-132000630.html)

[2] Ripple Price Analysis: Is XRP Preparing for One Final Rally ... (https://cryptopotato.com/ripple-price-analysis-is-xrp-preparing-for-one-final-rally-before-big-correction/)

[3] Ripple's $200 Million Stablecoin Bet: Can It Push XRP's ... (https://www.fool.com/investing/2025/08/24/can-xrp-200-million-stablecoin-bet-push-to-4/)