In August 2025, Ripple partnered with Gemini to launch a dedicated XRP-focused credit card for the community. This card provides users with an innovative way to earn crypto rewards while managing daily expenses. The credit card, issued by WebBank, offers up to 4% back in XRP on spending at gas stations, electric vehicle charging stations, and ride-sharing services. A 3% reward is available for dining out and grocery shopping, with 2% earning in other categories. To further benefit the community, Gemini will collaborate with select merchants to offer up to 10% back in XRP on specific purchases. Users can begin applying immediately; the card’s design was announced by Gemini. The company’s CEO, Tyler Winklevoss, believes this initiative is a way to demonstrate value and appreciation for the XRP community. Gemini further expanded its offerings by integrating Ripple USD (RLUSD) into their trading platform, enabling seamless transactions between RLUSD and other digital assets without extra fees. This move aims to simplify everyday cryptocurrency trading for users. In a related development, Ripple CEO Brad Garlinghouse highlighted the growing importance of cryptocurrency adoption within mainstream financial systems. He believes this initiative will make everyday spending an opportunity to earn and connect with both XRP and RLUSD. This collaboration follows a recent $75 million credit line provided by Ripple to Gemini to support its IPO plans. Gemini’s journey this year has been marked by rapid expansion, including securing a MiCA license in Malta for European operations. The company also filed an S-1 form to go public with the U.S. SEC and introduced tokenized US stock trading. However, it was also reported that Gemini faced a $282 million net loss during the first six months of 2023.