Maximize Earnings with Gemini’s New Gemini Card: 4% Interest on Purchases in XRP Explained

August 26, 2025

Gemini Deepens Ripple Ties with New XRP Credit Card and Expanded Stablecoin Support

New York, NY – Cryptocurrency exchange Gemini has announced a series of strategic moves designed to bolster its offerings and pave the way for a potential public listing.These include the launch of a new credit card offering rewards in XRP, expanded integration of the Ripple-backed stablecoin RLUSD, and a significant credit line secured from Ripple itself.

XRP Rewards Now Available with Gemini Credit Card

Gemini Co-founder Cameron Winklevoss unveiled the new XRP edition of the Gemini Credit Card on august 25, 2025, providing cardholders with the chance to earn up to 4% cashback in XRP on everyday purchases. The rewards structure is tiered, with 4% back on gas, electric vehicle charging, and rideshares, 3% on dining, 2% on groceries, and 1% on all other transactions. Select merchant promotions will even offer cashback rates as high as 10% in XRP,according to Gemini.

Tyler Winklevoss, also a co-founder of gemini, hailed the launch as a victory for the “XRP Army,” emphasizing the initiative’s potential to broaden access to and engagement with the Ripple-created token.

RLUSD Integration Streamlines Trading for US Customers

In addition to the new credit card, Gemini has expanded its support for Ripple’s RLUSD stablecoin. US-based users can now utilize RLUSD as a base currency across all Gemini spot trading pairs. This integration aims to simplify the trading process and minimize the need for currency conversions. Ripple CEO Brad Garlinghouse described the move as a critical step toward mainstream adoption, linking the stability of payments with broader asset functionality.

IPO Preparations Underway with $75 Million Credit Line

These developments arrive as Gemini prepares for a potential initial public offering (IPO) in the United States. The company recently disclosed a $75 million credit line from Ripple as part of its filings with the US Securities and exchange Commission (SEC). Despite reporting a net loss of $282 million in the first half of the year, gemini appears determined to pursue its expansion plans. The firm recently obtained a MiCA license in Malta, enabling operations within the European Union, and has diversified its product line by offering tokenized US stocks.

By strategically aligning its rewards programs and exchange liquidity with ripple’s ecosystem, Gemini anticipates attracting both passive income for XRP holders and increased retail demand, strengthening its position ahead of a possible public market debut.

Feature	Details
Gemini Credit Card Rewards	Up to 4% back in XRP
RLUSD Integration	Base currency for all US spot pairs
Ripple Credit Line	$75 million
Gemini H1 2025 Net Loss	$282 Million

Did You Know? The global stablecoin market, which includes RLUSD, is predicted to reach $2.9 trillion by 2030, according to a recent report by Grand View Research.

Pro Tip: Consider the tax implications of earning rewards in cryptocurrency. Consult with a tax professional to ensure compliance with relevant regulations.

The Growing Role of Crypto Rewards Programs

As cryptocurrency adoption increases, we’re seeing a rise in rewards programs that offer digital assets as cashback. These programs provide a way for consumers to seamlessly integrate crypto into their daily lives and benefit from potential price gratitude. However,it’s vital to research the volatility and security of any cryptocurrency before participating in such programs. The industry is rapidly evolving, with new projects regularly emerging, offering diverse reward structures and levels of risk. The evolution of rewards programs also reflects a broader trend of financial institutions recognizing the demand for digital asset integration.

Frequently Asked Questions About Gemini and XRP

• What is the benefit of earning rewards in XRP? XRP offers faster transaction speeds and lower fees compared to some other cryptocurrencies, potentially making it a more efficient rewards currency.
• How does RLUSD integration simplify trading on Gemini? Using RLUSD as a base currency eliminates the need to convert funds to USD or other customary currencies when trading between different crypto pairs.
• Is gemini’s IPO guaranteed? While Gemini is preparing for an IPO, the timing and ultimate success depend on market conditions and regulatory approvals.
• What is the XRP Army? The “XRP Army” refers to a passionate online community of XRP supporters who actively promote and invest in the cryptocurrency.
• How secure is earning rewards in XRP? Gemini implements security measures to protect user funds, but it’s still crucial to practise good security habits, such as using strong passwords and enabling two-factor authentication.
• What are the potential risks associated with XRP? like all cryptocurrencies, XRP is subject to market volatility and regulatory uncertainty.
• Where can I learn more about gemini’s financial performance? Information about Gemini’s financial performance can be found in its filings with the SEC.

What are your thoughts on the growing trend of crypto-backed credit cards? do you see these programs as a key driver of mainstream cryptocurrency adoption?

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How does the value fluctuation of XRP impact the actual return on the 4% cashback compared to conventional USD cashback rewards?

Understanding the Gemini Card & XRP Rewards

The Gemini Card, powered by WebBank, has recently upped the ante for crypto rewards. Now offering a compelling 4% cashback in XRP on all purchases, it’s a critically important shift in the rewards credit card landscape. This isn’t just about earning cryptocurrency; it’s about strategically leveraging a volatile asset class for potential gains. Let’s break down how to maximize your earnings with this innovative card.

What is XRP and Why Earn It?

XRP is the native cryptocurrency of the Ripple network,designed for fast and low-cost international payments. While its price fluctuates, XRP presents an opportunity for growth beyond the fixed value of traditional cashback rewards.

Potential Appreciation: Unlike USD cashback,XRP’s value can increase over time,boosting your overall returns.

Liquidity: XRP is readily traded on major cryptocurrency exchanges like Gemini (naturally!), Coinbase, and kraken.

Utility: XRP is used in Ripple’s payment solutions,potentially increasing demand and value in the future.

How the 4% XRP Cashback Works

The mechanics are straightforward. Every purchase you make with your Gemini Card earns you 4% back in XRP, automatically deposited into your Gemini account. Here’s a closer look:

1. spending: Use your Gemini Card for everyday purchases – groceries, gas, bills, dining, everything.
2. Cashback Calculation: 4% of your purchase amount is calculated in USD,then converted to XRP at the prevailing exchange rate at the time of the transaction.
3. Automatic Deposit: The XRP is credited to your Gemini account, typically within 24-48 hours.
4. No Monthly Caps: Unlike many rewards cards, the Gemini Card currently has no monthly spending cap on the 4% XRP rewards.

Maximizing Your XRP Earnings: Strategies & tips

Simply using the card isn’t enough. Here’s how to truly maximize your XRP rewards:

Shift Spending: Prioritize using the Gemini Card for all eligible purchases. Consolidate spending onto this card whenever possible.

Large Purchases: Strategically time large purchases (appliances, electronics, travel) to maximize your XRP earnings.

Pay Your Bill on Time: Avoid interest charges by paying your Gemini Card bill in full and on time each month. Interest negates the benefits of the rewards.

Dollar-Cost Averaging (DCA): Consider not immediately selling your earned XRP.Instead, implement a DCA strategy – selling small amounts regularly to mitigate risk and capitalize on potential price increases.

Staking (Potential Future Benefit): While not currently available directly thru Gemini Card rewards, keep an eye out for potential future options to stake your earned XRP for additional passive income. Gemini offers XRP staking separately.

Understanding the Risks: XRP Volatility

It’s crucial to acknowledge the inherent risks associated with earning rewards in a cryptocurrency like XRP.

Price Fluctuations: XRP’s price can be highly volatile.The value of your earned XRP can decrease significantly between the time it’s deposited into your account and when you choose to sell it.

Market Risk: The broader cryptocurrency market is subject to regulatory changes and market sentiment, which can impact XRP’s price.

Tax Implications: Cryptocurrency rewards are generally considered taxable income. Consult with a tax professional to understand your obligations.

Gemini Flash & potential XRP Integration

Google DeepMind’s Gemini Flash, with its advanced reasoning capabilities, could potentially play a role in optimizing XRP reward strategies in the future.Imagine an AI-powered tool that analyzes market trends and suggests optimal times to sell your XRP based on your risk tolerance and financial goals. While currently speculative, the integration of such technology could significantly enhance the value proposition of the Gemini Card.

real-World Example: The $1,000 Monthly Spender

Let’s say you spend $1,000 per month on your Gemini Card. At 4% cashback in XRP, you’d earn $40 worth of XRP each month.If XRP is trading at $0.50,that translates to 80 XRP. If XRP’s price increases to $1.00 within a year, your 80 XRP would be worth $80 – a 100% return on your rewards! (This is a simplified example and doesn’t account for trading fees or taxes).

Gemini Card Fees & Eligibility

Before applying, understand the associated fees and eligibility requirements:

Annual Fee: $0

Foreign Transaction Fee: 1%

Cash Advance Fee: 3% (or $10, whichever is greater)

Eligibility: Requires a Gemini account and approval based on creditworthiness.

Resources for Further Research

Gemini Card Website: https://www.gemini.com/card

XRP (Ripple) Official Website: https://ripple.com/

Gemini Flash: [https://deepmind.google/models/gemini/flash/](https://deepmind.google/models/gemini/flash