Real Payments on XRPL
Over 50 million people hold XRP. And yet, its use in everyday payments is still not widely accessible. The path from holding to spending still runs through exchanges, off-ramps, and bank accounts. For a network that was purpose-built for payments, that gap should not exist.
Today, we’re introducing Girin Card, a crypto card designed to integrate with the XRPL ecosystem that lets you use XRP and RLUSD for payments at over 130 million merchants in 150+ countries. No reliance on centralized exchanges. Real-time conversion and settlement at the moment of payment.
Girin Card: Your Everyday Crypto Card
Girin Card integrates with your crypto balances within the XRPL ecosystem. When you make a purchase, your XRP or RLUSD is converted to fiat at the exact moment you tap, processed using XRPL-based infrastructure with near real-time settlement. The merchant receives fiat as with any normal Visa transaction. You never need to manually convert to fiat. Just add funds and spend.
Your assets stay in your self-custody wallet until the moment of the transaction. Girin Wallet does not take custody of user assets. Assets remain in user-controlled wallets, subject to applicable program structures. This reflects the core architecture of the card.
The card comes in two formats. A virtual card, issued instantly and ready for online payments, in-app purchases, and mobile wallets. And a physical card: a premium Visa card shipped to your door for in-store contactless tap, chip transactions, and ATM withdrawals at any Visa ATM worldwide. Both share the same balance. Both work with Apple Pay and Google Pay.
Here is what it offers:
Real-time FX: Settlement at the point of sale. The exchange rate is applied at the exact moment of your purchase, not at a delayed or batched rate.
$0 annual fee: No annual fees, no monthly maintenance, no hidden charges.
Global coverage: Spend at 130M+ Visa merchants across 150+ countries. Withdraw local currency cash at any Visa ATM.
Rewards on every tap: Earn rewards every time you tap, with cashback of up to 5%. More on the rewards program coming soon.
Apple Pay and Google Pay: Add your card to your mobile wallet and start paying with a tap, even before your physical card arrives.
Visa security: Zero liability for unauthorized transactions. Global fraud protection on every purchase. Built on fully regulated, compliant infrastructure.
Native to XRPL
Two things drive Girin Card.
The first is that XRPL deserves native products. Most crypto cards on the market are chain-agnostic. They plug into any network, accept any token, and treat the underlying blockchain as interchangeable infrastructure. That universality is convenient, but it means nothing is deeply optimized for any single ecosystem. Girin Card is built with a primary focus on XRPL, allowing us to leverage its native settlement speed, low costs, and RLUSD infrastructure more effectively. That focus lets us leverage the ledger’s native settlement speed, its minimal transaction costs, and RLUSD’s on-chain stablecoin infrastructure in ways a generic product never could.
The second is that we are already here. Girin Labs has been building inside the XRPL ecosystem since its earliest days. Girin Wallet was the first social-login wallet for the XRP Ledger and is now trusted by over 150,000 users. Girin Card is the next layer of that same work, connecting directly to wallets users already have, through infrastructure we already operate. We are not entering the ecosystem from the outside. We are extending what we have already built within it.
It’s Just the Beginning
The card is where this begins, not where it ends.
Our long-term ambition is to build the financial product layer for the XRPL ecosystem: products and rails that allow individuals, and eventually businesses, to manage certain aspects of their financial activity within the ecosystem. Over time, the same infrastructure powering Girin Card will be available to partners looking to launch their own XRPL-native card programs: enterprise-grade APIs, white-label payment infrastructure, and compliance tooling, built on rails tested under real demand.
The XRP Ledger has proven it can move value at speed and scale. What it needs now are the products that let people use that value in their everyday lives. That is what we are building.
Join the Waitlist
Girin Card waitlist is now open. Sign up directly in the Girin Wallet app.
Girin Card waitlist is available in the latest version of the Girin Wallet.
Download Girin Wallet:
iOS: App Store
Android: Google Play
Disclaimer
Girin Card is a product of Girinlabs. Girin is a technology platform, not a regulated financial institution. Certain services may be provided through licensed partners depending on jurisdiction. Digital asset services may not be available in all jurisdictions.
Girin does not custody your assets. Your crypto assets remain under your self-custody until the moment of a transaction. The value of any cryptocurrency, including stablecoin assets, may fluctuate.
Rewards and rates subject to change. Terms apply. Geographic restrictions may apply.