• TEXT= DATE: 08.12.2025 BRIDGE Summit | 8-10 Dec 2025 | Abu Dhabi
  • TIMER= 08.12.2025
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  • bitcoinBitcoin (BTC) $ 42,977.00 0.18%
  • ethereumEthereum (ETH) $ 2,365.53 1.12%
  • tetherTether (USDT) $ 1.00 0.2%
  • bnbBNB (BNB) $ 302.66 0.19%
  • solanaSolana (SOL) $ 95.44 1.28%
  • xrpXRP (XRP) $ 0.501444 0.1%
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  • cardanoCardano (ADA) $ 0.481226 2.68%
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  • bitcoinBitcoin (BTC) $ 42,977.00 0.18%
    ethereumEthereum (ETH) $ 2,365.53 1.12%
    tetherTether (USDT) $ 1.00 0.2%
    bnbBNB (BNB) $ 302.66 0.19%
    solanaSolana (SOL) $ 95.44 1.28%
    xrpXRP (XRP) $ 0.501444 0.1%
    usd-coinUSDC (USDC) $ 0.996294 0.34%
    staked-etherLido Staked Ether (STETH) $ 2,367.26 1.4%
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image-alt-1BTC Dominance: 58.93%
image-alt-2 ETH Dominance: 12.89%
image-alt-3 BTC/ETH Ratio: 26.62%
image-alt-4 Total Market Cap 24h: $2.51T
image-alt-5Volume 24h: $144.96B
image-alt-6 ETH Gas Price: 5.1 Gwei
 

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XRP credit card by Gemini

XRP credit card by Gemini expands rewards, adds RLUSD stablecoin to US spot trading

https://icn.live/wp-content/uploads/2025/08/XRP-credit-card-by-Gemini.mp3
  • by ICN.live
Tariq Al-Mansouri

Key Points

  • XRP credit card by Gemini offers up to 4% back in XRP on everyday purchases

  • RLUSD stablecoin introduced as base currency for all US spot trading pairs

  • Gemini deepens partnership with Ripple to boost XRP and RLUSD usage

  • XRP rewards saw a 453% gain over one year for cardholders

XRP credit card by Gemini is now reshaping how US customers earn and spend digital rewards. The new edition of Gemini’s credit card, launched in partnership with Ripple, expands cashback opportunities while positioning RLUSD stablecoin at the center of US trading activity.

From my standpoint, this card introduces a new way for users to earn XRP through everyday spending. Cardholders now receive up to 4% back in XRP on gas, EV charging, and rideshare services. Dining purchases earn 3%, groceries earn 2%, and all other transactions earn 1%. Select merchants also offer up to 10% back when customers shop through Gemini’s app, strengthening loyalty and engagement with XRP.

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Stronger rewards, stronger loyalty

The XRP credit card by Gemini does more than deliver rewards. It deepens the connection between retail spending and token ownership. As Tyler Winklevoss, Gemini’s CEO, explained, the card allows customers to “earn XRP and express their passion, loyalty, and excitement.” His perspective highlights how financial products can blend daily commerce with digital asset growth.

Ripple CEO Brad Garlinghouse also emphasized this idea. He said the collaboration makes “everyday spending a chance to earn and connect with both XRP and RLUSD.” This approach signals how Ripple and Gemini see rewards as more than short-term perks. They are positioning XRP and RLUSD as practical assets in the hands of everyday users.

RLUSD stablecoin integration into trading

Alongside the new card, Gemini introduced RLUSD stablecoin as the base trading currency across all US spot pairs. RLUSD is backed by USD reserves and already holds a $640 million market cap. By using RLUSD as a base, customers trade directly without conversion fees, creating efficiency and cost savings.

This integration shows Gemini’s strategy to strengthen liquidity and reduce friction in the trading process. As I see it, the choice to spotlight RLUSD ensures stability and reinforces trust at a time when reliable stablecoins are essential for adoption.

Rewards with proven growth potential

XRP has already proven to be a lucrative rewards option. Gemini shared that customers who held their XRP rewards for one year saw an increase of 453% by July 2025. That made XRP the top-performing reward currency on the platform. This track record may push more users to select XRP over other reward choices.

Still, relying too heavily on one token’s growth introduces risks. Market volatility could affect the perceived value of rewards. Yet, Gemini’s decision to include the RLUSD stablecoin alongside XRP offers a balanced mix of growth potential and stability.

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Gemini and Ripple partnership expands

The partnership between Gemini and Ripple is more than a marketing exercise. It is an attempt to merge financial services with digital assets in practical ways. The XRP credit card by Gemini embodies this vision by transforming spending into a digital asset experience, while RLUSD ensures stable and accessible trading for US customers.

Based on my experience, customers seek rewards that deliver real value beyond points or discounts. This product aligns with that demand by offering crypto rewards with growth history, while pairing them with a stable trading tool. The combination could encourage broader adoption across retail and trading environments.

The XRP credit card by Gemini demonstrates how financial products can link real-world transactions with digital asset ownership. It strengthens the role of XRP and RLUSD in both commerce and trading, while offering customers meaningful value in return.

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How does the XRP credit card by Gemini work?

The XRP credit card by Gemini functions like a regular credit card but rewards users in XRP instead of traditional points. Cardholders earn up to 4% XRP back on purchases such as gas, EV charging, and rideshare, 3% back on dining, 2% on groceries, and 1% on all other purchases. Select merchants offer up to 10% XRP back through Gemini’s app. Rewards are credited directly to the user’s Gemini account, where they can hold, trade, or withdraw them. The card integrates spending with crypto ownership, turning everyday expenses into opportunities for digital asset accumulation. Unlike conventional cashback cards, the XRP card offers exposure to potential token growth, as seen when XRP rewards rose 453% in value for holders in 2025.

What is RLUSD stablecoin and why is it important?

RLUSD is a USD-backed stablecoin developed in collaboration with Ripple and supported by Gemini. It is pegged to the US dollar and backed by reserves, with a current market cap of $640 million. Gemini now uses RLUSD as the base currency for all US spot trading pairs, allowing direct swaps without conversion fees. This step reduces trading friction, lowers costs, and improves liquidity. From where I stand, the move signals Gemini’s confidence in stablecoins as critical infrastructure for digital markets. RLUSD’s role as a base currency enhances efficiency while giving traders a trusted dollar-linked option for settlement.

Why did Gemini and Ripple partner on the XRP credit card?

Gemini and Ripple partnered to give customers new ways to earn and use XRP while promoting RLUSD adoption. Tyler Winklevoss, Gemini’s CEO, framed the card as a way for customers to express loyalty to XRP. Ripple CEO Brad Garlinghouse added that the partnership transforms everyday spending into a chance to earn and engage with both XRP and RLUSD. This cooperation reflects a broader strategy: making crypto practical in retail and trading. By merging rewards with stablecoin integration, both companies aim to strengthen user trust, boost adoption, and position XRP and RLUSD as key tools in digital finance.

Are XRP rewards from the Gemini card a good long-term value?

XRP rewards from the Gemini card have shown strong past performance, with a 453% gain over one year for holders as of July 2025. This history demonstrates the potential upside of earning XRP compared to traditional cashback. That said, XRP remains a volatile asset, and future returns are uncertain. I would argue that customers should treat rewards as both an opportunity and a risk. Holding XRP offers exposure to market growth, while RLUSD provides a stable counterpart for trading. For those seeking balanced value, combining XRP accumulation with RLUSD’s stability may create a more resilient rewards strategy.

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