Ripple CTO Champions Gemini XRP Credit Card Through Mastercard Alliance

Ripple's chief technology officer throws weight behind Gemini's XRP-powered credit card—now turbocharged by Mastercard integration.

Breaking Traditional Payment Barriers

The partnership slashes transaction times from days to seconds. No more waiting for cross-border settlements—XRP's ledger finalizes payments near-instantly. Mastercard's network handles the fiat conversion, bridging crypto and everyday spending.

Why This Shakes Up Finance

Forget legacy banking delays. This card bypasses intermediary banks entirely—cutting costs and complexity. Users spend XRP anywhere Mastercard is accepted, while Gemini handles custody and compliance.

One cynical take? Traditional banks just got another reason to sweat—their outdated infrastructure can't compete with blockchain efficiency. Maybe they'll finally upgrade from fax machines.

Bottom line: Crypto meets mainstream spending. No hype, just faster, cheaper payments.

TLDR

• Ripple CTO David Schwartz showcased the newly launched XRP rewards credit card in San Francisco.
• The XRP edition of the Gemini Credit Card officially launched on August 25 under the Mastercard World Elite program.
• The card offers up to 4% XRP rewards on everyday purchases and up to 10% at select merchants.
• The credit card has no annual fee and no foreign transaction charges which makes it more appealing to users.
• Ripple CEO Brad Garlinghouse said the card enables users to earn XRP with everyday purchases.

Ripple CTO David Schwartz showcased Ripple’s latest milestone with enthusiasm in San Francisco. He proudly held the new XRP rewards credit card. The launch marked an important step in combining digital currency adoption with everyday financial products.

Ripple CTO Highlights XRP-Themed Launch

Ripple CTO appeared at XRPresso café wearing XRP-branded clothing while presenting the Gemini Credit Card’s XRP edition. He remarked, “Got my XRP belt on, wearing an XRP t-shirt, holding an XRP rewards credit card at XRPresso.” His lighthearted display demonstrated his excitement and Ripple’s drive to integrate its token into mainstream tools.

Got my XRP belt on, wearing an XRP t-shirt, holding an XRP rewards credit card at XRPresso … someone pinch me? pic.twitter.com/ZD6OhjR50l

— David 'JoelKatz' Schwartz (@JoelKatz) August 25, 2025

The XRP edition of the Gemini Credit Card officially launched on August 25 under the Mastercard World Elite program. Issued by WebBank, the product brings traditional payment convenience together with cryptocurrency rewards. Ripple CTO noted the symbolism as the card became available to consumers.

The launch reflects Ripple’s broader mission to increase XRP’s utility in daily life and payment transactions. With Gemini’s partnership, the project aims to expand adoption through consumer-facing products. Ripple CTO has emphasized practicality while showcasing progress with confidence.

Features of the Gemini XRP Credit Card

The card offers up to 4% rewards in XRP and includes enhanced cashback opportunities at select merchants. Gemini confirmed up to 10% rewards in XRP for eligible purchases, broadening the program’s appeal. Ripple CTO highlighted that users can now earn XRP with everyday spending.

The card charges no annual fee and eliminates foreign transaction charges. Additionally, there are no fees for receiving XRP rewards. Ripple CTO underlined that these features make adoption seamless for regular cardholders.

Brad Garlinghouse, Ripple’s CEO, stated the card helps people earn with “everyday purchases” while engaging with XRP easily. He reinforced Ripple’s focus on creating practical products. Ripple CTO supported this message by promoting consumer access and financial efficiency.

Ripple and Gemini Strengthen Partnership

Ripple recently secured legal clarity after settling its case with the U.S. Securities and Exchange Commission. The conclusion has strengthened Ripple’s positioning in the American financial sector. Ripple CTO has acknowledged the timing of the launch as highly strategic.

Meanwhile, Gemini provided Ripple with a $75 million credit line and prepared for a public offering. This partnership demonstrates alignment between the two firms. Ripple CTO emphasized that such collaboration ensures XRP’s role in global payments.

Community responses have already surfaced across social platforms. Supporters shared experiences receiving the card and celebrated Ripple’s innovation. Ripple CTO’s playful comments further energized supporters while reinforcing trust in Ripple’s expansion strategy.