Gemini has introduced a new Gemini XRP Card in collaboration with Ripple, creating fresh excitement in the crypto rewards space. The limited-edition card aims to deliver XRP rewards to everyday spenders, launching a card designed to reach the loyal XRP Army community while providing new users with incentive-laden avenues for engaging in digital asset consumption. The launch signifies the increasing relevance of Ripple’s ecosystem while demonstrating Gemini’s ambitions to further solidify its place in the U.S. crypto payments market.
Gemini Teams Up With Ripple
The Ripple partnership gives this launch a unique edge. Gemini confirmed that the Gemini XRP Card will run under Mastercard’s World Elite program and be issued by WebBank. The tie-up positions Ripple’s token at the center of Gemini’s latest rewards strategy, where XRP holders already stand out as the most engaged participants. Gemini’s approach combines the credibility of Mastercard and the influence of Ripple for an intentional bet on the rate of adoption of the mainstream payments asset XRP.
Executives stressed that XRP has been one of the most successful assets on the exchange, with nearly 450% returns from October 2021 to July 2025. This record further cements its reputation as a leading choice for reward-based products.
Reward Tiers Designed for Daily Spending
The card has introduced a reward system that appeals directly to consumer habits. With XRP rewards available instantly, Gemini is attempting to set a new benchmark in crypto-based cashback. The tiers include 4% on gas, EV charging, and rideshare, 3% on dining, 2% on groceries, and 1% on all other purchases. Selected partner merchants even offer up to 10% back.
New users receive a $200 bonus in XRP when they spend $3,000 within the first 90 days. Unlike traditional cashback products, XRP is deposited into the customer’s account immediately, bypassing common delays in redemption. Early users have already cited the instant settlement as a significant differentiator in the crowded rewards market.
Expansion of RLUSD Stablecoin
Alongside the card launch, Gemini announced an expansion in support for RLUSD, Ripple’s U.S. dollar stablecoin. RLUSD is now available for spot trading on the exchange and has quickly grown to a market cap of over $640 million since its debut. In order to build Ripple’s larger presence in the digital economy, the company is aligning the growth of the stablecoin with the Gemini XRP Card rollout.
The combined effort shows how Gemini intends to deliver volatile assets like XRP, along with stable tokens like RLUSD, all on the same platform. Analysts observed that this strategy creates potential appeal to risk-taking crypto people who establish their presence on Spread, while also having appeal to hesitant crypto people, aka new adopters, who prefer stable digital representations of value.
Targeting the XRP Army and New Entrants
The limited-edition metal design of the Gemini XRP Card is more than cosmetic—it signals a deeper appeal to the “XRP Army.” This community-centric approach recognizes that Ripple enthusiasts have shown allegiance to the company and token since the very beginning, and have consistently been the momentum behind the token for decades. With personalized rewards, Gemini hopes to pique the interest of its current user base, while also providing a friendly on-ramp for new users.
Industry watchers say this move signals a shift in how exchanges are treating customer loyalty. Rather than relying solely on trading features, Gemini is tapping into lifestyle-based spending, where users can earn while they spend. For crypto adoption in the U.S., this represents another step toward normalizing digital assets in daily financial activities.
Conclusion
The launch of the Gemini XRP Card through the Ripple partnership is more than a product release—it is a calculated effort to merge financial rewards with community-driven adoption. With XRP rewards available instantly, no annual fees, and strong incentives for new sign-ups, Gemini is positioning itself as a serious player in the evolving crypto payment landscape. Simultaneously, the expansion of RLUSD ensures speculation and stable assets are represented in the exchange ecosystem.
This approach is indicative of a broader trend in the crypto industry. Exchanges are no longer just offering simple trades for users to interact with. These exchanges are embedding rewards straight into the consumer spending with loyal communities. Exchanges such as Gemini, which leverage loyalty on the platform, help to integrate digital currency into mainstream finance, treating the masses as they engage with it. While the Gemini XRP Card captures Ripple’s legacy, it also foreshadows an aspect of the future direction of crypto adoption over the coming years.
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