Ripple and Mastercard Collaborate, Use Stablecoin for Credit Card Transactions!

Updated

November 7, 2025

Gambar Ripple and Mastercard Collaborate, Use Stablecoin for Credit Card Transactions!

Jakarta, Pintu News – The use of blockchain technology in traditional payment systems is increasing, with Ripple leading the latest innovation through partnerships with Mastercard, WebBank, and Gemini. The initiative aims to integrate the RLUSD stablecoin into credit card payment flows, promising faster and more transparent transactions. Read the full news below!

Strategic Partnership for Future Payments

Ripple, along with Mastercard and WebBank, has announced the launch of a pilot program that will integrate the RLUSD (Ripple USD) stablecoin into the Gemini credit card transaction settlement system. The program not only marks a major step in blockchain adoption by major financial institutions but also sets new standards in transaction speed and security.

RLUSD, which operates on top of XRP Ledger, offers a highly regulated solution, ensuring compliance with existing regulatory standards. The partnership aims to replace traditional settlement systems that often involve multiple intermediaries and take several days to complete transactions.

By using RLUSD, transactions between card issuers and networks can happen instantly, while still maintaining the same standards of consumer protection and regulation. This is a significant step towards greater efficiency in institutional payments.

Also read: Ripple (XRP) Announces Mega-Deal, Why Does XRP Price Remain Flat?

Integration and Regulation

ripple collaboration — Source: Ripple Blog

Before RLUSD can be fully integrated into the Mastercard and WebBank systems, there are a few key stages to go through. The initial stage focuses on onboarding RLUSD to the XRP Ledger, which requires stringent regulatory approvals. This process is important to ensure that all security and compliance aspects are met before further implementation.

After obtaining the necessary approvals, integration planning will begin. This involves customizing Mastercard and WebBank workflows to include stablecoin settlement. This move will not only increase transaction speed but also transparency in the settlement process. Ripple and its partners are committed to maintaining consumer protection standards and regulatory compliance throughout this process.

Adoption and Market Impact

Since its launch in late 2024, RLUSD has achieved a circulation of over $1 billion, demonstrating strong market acceptance. This early adoption demonstrates the growing confidence in the use of stablecoins for institutional payment settlement.

Gemini, as one of the credit card issuers involved, has integrated the use of digital assets in consumers’ everyday transactions, demonstrating blockchain’s potential to support real payments, not just limited to trading platforms. The use of RLUSD in the settlement of credit card transactions marks an important step in the evolution of digital payments.

It shows how blockchain technology can be integrated into traditional financial systems without disrupting the user experience. With this, Ripple and its partners hope to encourage more card programs to test stablecoin settlement, accelerating the move towards faster and more transparent payments.

Conclusion

The partnership between Ripple, Mastercard, and WebBank opens a new chapter in the use of blockchain technology for the settlement of financial transactions. By combining the speed and transparency of blockchain with the reliability and security of traditional payment systems, they set a strong foundation for a more efficient and secure future of digital payments.

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