Gemini has launched a credit card that lets users earn rewards in XRP. The exchange also integrated Ripple’s stablecoin RLUSD, signaling broader use of XRP in consumer finance.
The move places XRP alongside mainstream payment options, strengthening its foothold in the regulated U.S. market.
The rollout comes after increased demand for crypto-linked financial products. By combining rewards with stablecoin support, Gemini aims to link XRP more directly with retail payments and day-to-day spending.
New Options Income Fund Filing for XRP
In Illinois, an investment firm submitted paperwork for an Options Income Fund tied to XRP. Unlike traditional spot exchange-traded funds, this structure would generate monthly income through options strategies.
The filing highlights a shift in how institutional players view XRP. Instead of pursuing direct price exposure, firms are experimenting with income-focused products that broaden its role in investment portfolios.
Tokenized real-world assets on the XRP Ledger grew sharply in recent months. Market capitalization rose from $130 million at the end of the second quarter to over $320 million. This 144% increase reflects a surge in activity within the ledger’s asset tokenization ecosystem.
The expansion positions the XRP Ledger as a growing platform for tokenizing real-world value. It comes as financial institutions explore blockchain infrastructure for bonds, real estate, and other asset classes.
Legal Clarity After SEC Settlement
Ripple’s long-running case with the U.S. Securities and Exchange Commission ended on August 22. Both sides dropped their appeals, closing a chapter of uncertainty that weighed on institutional adoption.
The resolution confirmed that XRP sales on public exchanges are not considered securities transactions. With this regulatory clarity, focus shifts to broader monetary policy, particularly the Federal Reserve’s influence on institutional appetite for blockchain assets.
SWIFT Criticizes Ripple’s Model
Not all signals are positive. Tom Zschach, Chief Innovation Officer at SWIFT, described Ripple as a “dead chain walking.” He argued that Ripple’s governance model conflicts with the shared standards needed for global payment systems.
XRP Ledger’s decentralized finance metrics add context to the criticism. Total value locked stands at about $87 million, while daily decentralized exchange volumes remain under $70,000. These figures are far below competitors such as Ethereum and Solana, limiting XRP’s influence in DeFi.
XRP Bullish Flag Builds Toward $5.01 Breakout
TheXRPUSD 4-hour chart, created on September 03, 2025 using Bitstamp data, highlights a bullish flag pattern that could drive a sharp continuation rally. Price trades near $2.815, while the 50-period exponential moving average (EMA) stands at $2.86 and acts as dynamic resistance across the mid-channel zone. Volume has declined noticeably during the recent pullback, reflecting a pause in momentum rather than capitulation.
A bullish flag is a continuation structure where a strong rally forms the flagpole and price then drifts lower inside a tight parallel channel before resuming higher. In XRP’s case, the rally from early July into mid-July established the pole, followed by a measured consolidation inside two descending purple trendlines. The pattern signals digestion of prior gains as buyers absorb supply without surrendering the broader uptrend.
Confirmation of the pattern requires a decisive 4-hour close above the upper boundary of the channel, accompanied by an expansion in trading volume. Such a move would indicate that sellers inside the range have been exhausted and that control is shifting back to buyers. A successful retest of the breakout level as support would further strengthen the bullish case, especially if the 50-EMA flips from resistance to support.
If the breakout confirms, the measured move projects a continuation rally of about 78% from the current price, targeting roughly $5.01. This objective closely aligns with the resistance marker near $5.04 already visible on the chart, creating strong confluence between pattern logic and horizontal levels. On the downside, failure to break the channel with conviction would extend the consolidation, while a close beneath the lower trendline would weaken the setup and increase the risk of deeper retracement.
Overall, XRP’s chart structure, falling volume during consolidation, and positioning against the 50-EMA suggest that the market is building toward resolution. A confirmed breakout could unlock a move toward the $5.01 region, marking a significant continuation of July’s rally.
XRP RSI Signals Momentum Shift
The Relative Strength Index (RSI) on XRP shows a notable change in momentum. The chart, created on September 03, 2025 at 09:24 UTC, places the RSI at 52.11, with its signal line trailing lower at 45.03. This crossover suggests that buying strength has returned after a period of weakness.
RSI measures the speed and size of recent price movements. Readings above 70 usually mark overbought conditions, while values below 30 point to oversold markets. XRP has stayed between these extremes in recent weeks, holding in a neutral band as traders waited for direction.
Now, with the RSI climbing above the midpoint of 50, momentum tilts in favor of buyers. This shift aligns with the broader technical structure on XRP’s price chart, where a bullish flag has been forming. If the RSI holds above 50 and continues to rise, it would confirm strengthening demand and raise the chances of a breakout. However, if the index slips back under 45, it would show that sellers have regained influence, keeping XRP in consolidation.
