Gemini Partners With Ripple to Launch XRP Rewards Credit Card and Expand RLUSD Use

Crypto exchange Gemini, founded by Cameron and Tyler Winklevoss, has unveiled a new partnership with Ripple to launch an XRP-backed version of its popular cashback credit card.

The product, issued by WebBank, allows users to earn cryptocurrency rewards across everyday purchases.

XRP-Powered Cashback

Cardholders can earn up to 4% back in XRP on fuel, EV charging, and rideshare expenses, 3% on dining, 2% on groceries, and 1% on all other transactions. In addition, Gemini said it will partner with select merchants to offer as much as 10% back in XRP on eligible purchases.

“We’re giving customers and the XRP Army new ways to earn XRP and express their passion, loyalty, and excitement,” said Tyler Winklevoss, Gemini co-founder and CEO.

RLUSD Integration Expands

Alongside the card launch, Gemini is expanding access to Ripple USD (RLUSD), Ripple’s $680 million U.S. dollar stablecoin. RLUSD is now available as a base currency for all spot trading pairs on the platform for U.S. users. This enables traders to move seamlessly between RLUSD and other assets without additional conversion steps.

Ripple CEO Brad Garlinghouse emphasized the move as part of a broader push for mainstream adoption. “Fifty-five million Americans own crypto, and that number is only increasing. With Gemini, we’re making everyday spending a chance to earn and connect with both XRP and RLUSD.”

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Strategic Growth for Gemini

The initiative comes as Gemini prepares for a U.S. public listing. The exchange recently introduced tokenized U.S. stock trading and secured a MiCA license in Malta to strengthen its European footprint.

By combining Ripple’s growing ecosystem with Gemini’s consumer-facing products, the new partnership positions XRP and RLUSD for deeper integration into daily payments and trading.