Ripple CEO Brad Garlinghouse Backs Gemini’s Game-Changing XRP Credit Card

Ripple's top exec throws weight behind Gemini's crypto-card revolution—XRP meets everyday spending.

Breaking Down the Partnership

Brad Garlinghouse publicly endorsed Gemini’s new XRP-integrated credit card, calling it a watershed moment for crypto utility. The move signals Ripple’s aggressive push into mainstream financial products—no more waiting for traditional banks to catch up.

Why This Matters

Gemini’s card lets users spend XRP directly—cutting conversion fees and bypassing legacy payment rails. Finally, a use case that doesn’t require explaining blockchain to your grandma. Garlinghouse’s backing adds serious credibility, even if the crypto-card space is getting crowded faster than a Bitcoin conference happy hour.

The Big Picture

This isn’t just another plastic card—it’s a Trojan horse for crypto adoption. XRP holders can now transact without selling into fiat, keeping them locked in the ecosystem. Meanwhile, traditional banks are still debating whether to allow wire transfers to exchanges. Classic finance—always a day late and a dollar short, but hey, at least they’ve got those fancy brick-and-mortar branches.

TLDR

• Brad Garlinghouse celebrates the launch of Gemini’s XRP rewards credit card.

• The XRP card offers up to 4% rewards with no annual fee and a $200 bonus.

• Gemini’s app surpassed Coinbase in the U.S. finance category after the launch.

• XRP community embraces the card, signaling growing support for crypto rewards.

Ripple CEO Brad Garlinghouse has publicly endorsed the new Gemini XRP rewards credit card, showing his support with a post on social media. On August 25, Garlinghouse shared his excitement by showing off the card in a photo and commenting, “What a time to be alive, XRP family…” His endorsement marks an important milestone for the XRP community, as the card allows users to earn up to 4% in XRP rewards for everyday purchases, with no annual fee.

The card was released in collaboration with Ripple Labs, Mastercard, and the Gemini exchange. It gives users an easy way to accumulate XRP while making purchases, directly integrating cryptocurrency into daily financial activities. This launch has created a buzz among the XRP community and broader crypto enthusiasts, who see it as a step toward the mainstream adoption of digital assets in everyday transactions.

Gemini XRP Credit Card: Key Features and Benefits

Gemini’s XRP credit card offers a special edition of the popular Gemini card. It provides a unique feature where cardholders can earn up to 4% back in XRP on eligible purchases. For new customers, a bonus of $200 in XRP is available if they spend $3,000 within the first 90 days.

The card also comes with no annual fees, making it an attractive option for those looking to earn crypto rewards without the burden of traditional credit card fees.

XRP earned through the card is immediately credited to the user’s account, allowing for easy accumulation. The card is available to residents across all 50 U.S. states and Puerto Rico, and it can be used for purchases via Apple Pay, Google Pay, and Samsung Pay. Despite concerns about the volatility of crypto rewards, the card’s ease of use and accessibility have made it appealing to a growing number of consumers interested in integrating cryptocurrency into their daily finances.

Gemini App Overtakes Coinbase in the App Store Rankings

Following the launch of the XRP credit card, Gemini’s app saw a significant surge in popularity. According to Sensor Tower data, Gemini overtook Coinbase in the U.S. Apple App Store’s finance category rankings. While Coinbase remains the leading crypto exchange in terms of trading volume, with a reported $4.54 billion in 24-hour trading volume, Gemini’s app ranked 16th, while Coinbase dropped to 20th. This shift in rankings highlights the growing interest in Gemini’s offerings, particularly the new XRP rewards card.

The increased app downloads reflect strong community support for the XRP credit card and show that Gemini is successfully leveraging its partnership with Ripple to attract new users. This movement could signal a broader trend of cryptocurrency exchanges and fintech companies offering innovative financial products to draw in a diverse range of users.

Ripple’s Leadership and the Growing XRP Ecosystem

Ripple CEO Brad Garlinghouse’s endorsement of the XRP credit card is a part of a larger effort by the company to drive mainstream adoption of XRP. Garlinghouse, alongside other Ripple executives, has long been vocal about increasing the utility of XRP in the broader financial ecosystem. This card launch represents a significant step toward achieving that goal by directly involving XRP holders in consumer-facing financial products.

In addition to the endorsement from Ripple executives, the card has also garnered praise from key figures in the crypto space. Ripple’s Chief Technology Officer, David Schwartz, expressed his enthusiasm for the card, further solidifying the company’s commitment to integrating XRP into consumer financial products. The launch of the XRP credit card reflects a broader trend where cryptocurrencies are increasingly being used for real-world transactions, signaling that digital assets may soon become a standard feature in everyday life.