TL;DR
- Ripple moves into execution phase with Mastercardblockchain payment pilot Live card payment flow using $RLUSD in $XRP ledgerwith transaction settlement in seconds instead of days.
- Mastercard confirms stablecoin will serve as native payment asset within a regulated network, Consumer payment experience remains the same While modernizing backend infrastructure.
- Rollout begins with Gemini credit card issued by WebBanksignaling Widespread institutional adoption of on-chain payments Beyond regulated financial rails.
Ripple moves to transaction execution phase with Mastercard It marks the transition from one experiment to the next. Operational development in global payments. Where is the collaboration? Blockchain payments directly within the card networkhas traditionally been dominated by areas where interbank clearing has been slow. for cryptography With the development of this field, Distributed ledger as core financial infrastructure Rather than assistive technology.
The move follows a pilot launched in . Late 2025 and enter Live execution in February 2026. A Mastercard executive admitted: actual credit card transaction It’s calming down now blockchain infrastructure Rather than a batch-based clearing system. the process remains invisible to consumerscontinue tapping or swiping as usual, but Payment mechanisms evolve behind the scenes.
Ripple moves into execution phase with Mastercard and Live Card payments
At the center of the system is the $RLUSDRipple’s regulated stablecoinIt works. $XRP ledger. Once Mastercard approves the transaction and completes the credit check, Payments occur on-chain within seconds. This replaces the often extended clearing cycle. 1 to 3 days between financial institutions.
of gemini credit cardPublisher web bankis the first product to run on this structure. Role of web bank FDIC Insurance Agency provide regulatory oversight; Blockchain payments comply with US banking standards. maintained by mastercard Compliance management consistent with existing card rulesintegrate crypto rails without modification consumer protection.
Mastercard leadership supports this collaboration. Broader payment strategy. Stablecoins are now treated as native payment currencies Enable within your network Increased efficiency while saving Regulatory certainty. In parallel with this initiative, Mastercard continues to advance initiatives such as: agent paymentsupport AI-driven transaction execution within the established payment framework.
Institutional adoption and on-chain payment momentum
ripple report steady growth of $RLUSD circulationis driven by demand from Payment and settlement use cases. supply exceeded $1.3 billion by January 2026reflections increased Institutional comfort with regulated stablecoins. Company executives expect this to happen by the end of the year. 2026between 5% and 10% of capital market settlement operate On-chainsupported by similar enterprise deployments.
This execution phase is Broader industry direction. Financial institutions are increasingly Incorporate blockchain technology into existing systems Instead of building parallel rails just for crypto. With the expansion of Mastercard On-chain payment and agent commerce toolsRipple’s infrastructure supports A connection layer between traditional financial networks and crypto-native networkspointing to Deeper integration in global payments.
