The desired expansion of XRP into a payment powerhouse has gained momentum following a Gemini crypto Ripple partnership that seeks to integrate the token into mainstream financial tools.
Gemini, the cryptocurrency exchange, has released an XRP credit card for US traders that will pay users directly in XRP. The limited-edition metal card has no annual fee, no fee to receive crypto rewards, and no fee on foreign transactions.
XRP Credit Card for US Traders issued by WebBank
The initiative stemming from the new Gemini crypto Ripple partnership is a big deal for XRP as it marks the token’s first foray into the $100 trillion credit card market. The exchange stated that the XRP credit card for US traders, issued by WebBank, will offer several rewards.
Also read Ripple’s RLUSD Listed on Gemini Amid Global Expansion
These include 4% rewards on fuel, ridesharing, and EV charging, 2% on groceries, 3% on dining, and 1% on every other purchase. According to Gemini co-founder Tyler Winklevoss, a few selected merchants will offer up to 10% cashback on eligible transactions. He said:
“We’re giving customers and the XRP Army new ways to earn XRP and express their passion, loyalty, and excitement.”
Easy Way to Access Crypto
On the rewards associated with the new XRP credit card for US traders, the Gemini CEO said the card was a way for customers to:
“Earn XRP and express their passion, loyalty, and excitement.”
The Gemini crypto Ripple partnership will also expand the role of Ripple USD (RLUSD) on the exchange’s platform. The $680 million RLUSD stablecoin is now available as a base currency for spot trading pairs, meaning traders can move between assets without seeking conversion. Commenting on the development, Ripple CEO Brad Garlinghouse said:
“The partnership makes everyday spending a chance to earn and connect with both XRP and RLUSD […] fifty-five million Americans own crypto, and that number is only increasing as more people look for easier ways to access and use it in their daily lives. […] with Gemini, we’re making everyday spending a chance to earn and connect with both XRP and RLUSD.”
Also read: Ripple RLUSD Adoption Grows as AMINA Bank Offers Regulated Access
MiCA License in Malta
The Gemini crypto Ripple partnership comes when the exchange is preparing itself for a US public listing (IPO). Following the filing of the Gemini IPO last June, the exchange introduced tokenized US stock trading. It secured a MiCA license in Malta to create and strengthen a footprint in European soil.
Conclusion
Through the Gemini crypto Ripple partnership, Gemini aims to integrate Ripple’s growing ecosystem with its consumer-focused products. The move is a win-win situation that should position RLUSD and XRP for deeper integration into the trading and daily payments segment. The exchange reported a $282 million net loss in the first half of 2025. It secured a $75 million credit facility from Ripple.
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Summary
- Gemini’s new XRP credit card for US traders that offers up to 4% XRP back on purchases marks the token’s entry into the $100 trillion credit market.
- Gemini cryptocurrency exchange received a MiCA trading license in Malta last December.
- With the Gemini crypto Ripple partnership, RLUSD becomes the base trading currency for all US spot pairs on Gemini.
- The new credit card issued by WebBank will provide a tiered reward system across spending categories.
Glossary of Key Terms
IPO: An Initial Public Offering (IPO) undertaken by a company operating in the cryptocurrency or blockchain industry, such as a cryptocurrency exchange or a blockchain-focused tech firm.
XRP: XRP is a digital asset and cryptocurrency native to the XRP Ledger (XRPL), designed by Ripple Labs to facilitate fast and low-cost international payments and settlements.
RLUSD: Ripple USD refers to Ripple’s stablecoin, designed to maintain a stable value pegged 1:1 to the US dollar.
MiCA: Markets in Crypto-Assets Regulation, a comprehensive regulatory framework established by the European Union to provide harmonized rules for crypto-asset issuers and service providers across all member states.
FAQs on Gemini Crypto Ripple Partnership
Who can apply for the Gemini Credit Card?
Residents in all 50 US states and Puerto Rico will be eligible to apply. The Gemini Credit Card will not be available outside of the US.
Does the Gemini credit card work with Apple Pay, Google Pay, and Samsung Pay digital wallets?
Yes, the Gemini Credit Card works with Apple Pay, Google Pay, and Samsung Pay.
What are the benefits of using the new XRP credit card?
Card users will enjoy a 3% cashback for dining services, 2% on groceries, and 1% on other services. Gemini is working on more collaborations that could see users earn a reward of up to 10% on eligible purchases.
Why is the Gemini XRP crypto card necessary for the XRP army?
The card works: Users make payments in dollars and earn XRP back on their purchases.
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