Key Takeaways:
RedotPay's integration gives 7 million users the ability to spend XRP at merchants worldwide, bridging the gap between blockchain holdings and daily transactions.
RedotPay, a crypto payment platform with 7 million users across more than 100 countries, has integrated XRP for real-world spending, enabling holders to use the token for everyday purchases without selling their position.
"XRP is increasingly functioning less like a speculative asset and more like practical money," the platform said, noting that users can access a 50% loan-to-value credit line against their XRP holdings.
The platform has processed approximately $10 billion in cumulative volume. Users can convert XRP to fiat near-instantly through a multi-currency wallet supporting USD, EUR and GBP. Frii World has separately introduced plans for instant QR-based in-store payments supporting XRP and RLUSD, further expanding real-world usability.
The integration addresses a long-standing gap in crypto adoption — holding an asset with real utility but no way to spend it in daily life. For XRP, which has traded near $1.28 after a broader market selloff tied to U.S. airstrikes on Iran, the move adds a concrete use case beyond cross-border settlement.
How RedotPay's Model Works
Instead of selling XRP to access cash, users can borrow against their holdings at a 50% loan-to-value ratio, maintaining exposure to the token while unlocking liquidity for spending. The near-instant XRP-to-fiat conversion supports payments across different currencies and regions without the friction that typically slows crypto adoption.
The multi-currency wallet enables fast swaps between fiat currencies into XRP within minutes, creating a seamless flow between traditional finance and digital assets. For cross-border payments and remittances, XRP's fast transaction speeds and low fees make it a natural fit, especially for users moving money internationally to support families.
What This Means for XRP's Use Case
The integration shifts XRP's role from a settlement token used primarily by financial institutions to a medium of exchange accessible to retail users. ChatGPT's recent integration with MoonPay has also made buying XRP easier, reflecting how access to digital assets is becoming more mainstream.
For XRP holders, the ability to spend the token without selling removes a key friction point. The 50% credit line means users can access cash flow while keeping their position, a structure that could appeal to long-term holders who want liquidity without triggering a taxable event.
This article is for informational purposes only and does not constitute investment advice.
