TL;DR:
- RedotPay serves greater than 8 million customers throughout over 100 nations and processes almost $12 billion in annualized fee quantity.
- The answer permits customers to pledge XRP as collateral at a 50% loan-to-value ratio to entry credit score strains settled in RLUSD.
- Transaction quantity on stablecoin-backed playing cards recorded an 80% enhance year-to-date in 2026.
Fintech firm RedotPay is increasing with a brand new monetary product. This fee software linked to the Visa community has been named the RLUSD card, backed by the XRP Ledger infrastructure.
JUST IN: RedotPay, an 8M-user stablecoin funds fintech processing $12B annualized quantity throughout 100 nations, has launched an XRP Ledger-based card integrating RLUSD.
Customers can pledge XRP as collateral for a credit score line at 50% LTV, settled by way of RLUSD on XRPL, spendable… pic.twitter.com/Uvp5HCrBwH
— 𝗕𝗮𝗻𝗸XRP (@BankXRP) July 22, 2026
With this new product, customers will be capable to pledge XRP holdings as collateral at a 50% loan-to-value (LTV) ratio to activate a credit score line. The loans will probably be issued underneath a settlement framework by way of the RLUSD stablecoin on the XRPL community earlier than executing funds at Visa-affiliated retailers.
The corporate reported that this card goals to offer fast liquidity to holders with out requiring them to promote their underlying intangible property.
The fintech agency at the moment serves a base exceeding 8 million customers in over 100 nations. Moreover, the entity processes an estimated annualized fee quantity of $12 billion.
Data supplied by the RedotPay crew signifies that transaction quantity processed with stablecoin-backed playing cards registered an 80% progress to date in 2026, marking a 250% enhance in comparison with the identical interval final yr.
Technical Integration and Adoption of the XRPL Ecosystem
On the operational facet, RLUSD capabilities because the settlement layer inside the XRPL community to leverage its low transaction charges. In response to evaluation attributed to trade researchers, the combination of dollar-pegged property may drive processing demand inside Ripple’s distributed ledger.
The initiative was publicly analyzed by Odelia Torteman, Head of Digital Belongings at XRPL Commons, and Taylor Bossung, Head of Company Affairs at RedotPay.
Throughout the assembly, they addressed the evolution of on-chain remittances, credit score backed by tokenized property, and fee automation by way of synthetic intelligence brokers. In response to projections offered by the executives, these applied sciences may place the XRP Ledger as an infrastructure geared towards built-in digital commerce.
The introduction of this card continues earlier integrations between Ripple and RedotPay centered on optimizing cross-border crypto-to-fiat transfers in rising markets.
As a subsequent monitoring milestone, the platform plans to publish information akin to the quantity of issued credit score in its subsequent quarterly operational report.
