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Ripple recently announced a partnership with global payment giant Mastercard, and pundits insist it could benefit XRP.
Ripple Partners with Mastercard
For context, Ripple revealed the partnership during the Ripple Swell 2025 in New York on Nov. 5, 2025. Notably, the collaboration involves Mastercard; WebBank, a U.S.-regulated financial institution that issues the Gemini Credit Card; and crypto exchange Gemini.
Together, they plan to pilot blockchain settlement for fiat-based credit card payments using Ripple’s stablecoin, RLUSD, which runs on the XRP Ledger (XRPL). According to Ripple, the initiative seeks to replace the conventional, slower financial rails with near-instant blockchain transactions.
#Ripple teams up with Mastercard, WebBank, and Gemini to bring #RLUSD stablecoin settlements to the #XRP Ledger.
The collaboration will allow traditional credit card transactions to be settled using blockchain technology. pic.twitter.com/EkNmSxAsmU
— TheCryptoBasic (@thecryptobasic) November 6, 2025
Following the announcement, which has triggered considerable excitement within the XRP community, the pundit behind the community account XRP Investing shared ten reasons why this development could strongly benefit XRP.
Why This Collaboration is Good for XRP
First, the pundit noted that the partnership directly boosts XRPL adoption by connecting it to real-world finance. As Ripple uses XRPL to process Mastercard settlements, the firm shows how blockchain technology can operate in practical, everyday financial systems rather than remaining a niche experiment.
Second, XRP Investing believes the collaboration also strengthens Ripple’s credibility. Working with established financial leaders like Mastercard and WebBank indicates that Ripple’s technology meets the standards of major global institutions and can integrate with traditional banking.
The pundit noted for his third point that the partnership will likely drive higher transaction activity on XRPL. When Mastercard and WebBank move payments using RLUSD, the number of on-chain transactions could spike, giving XRP greater utility.
For his fourth point, he explained that the growing use of RLUSD, which recently surpassed $1 billion in circulation, will further increase demand for XRP.
Meanwhile, according to XRP Investing’s fifth point, Ripple achieved a major regulatory win through this partnership. Specifically, Ripple will be creating a blockchain-based payment model that works within the framework of U.S. financial rules.
Five More Ways XRP Could Benefit
His sixth point argues that the collaboration bridges traditional finance systems and decentralized systems, with this development bolstering XRP’s reach.
For the seventh point, the pundit added that the new partnership builds on Ripple’s earlier successes, such as the Gemini XRP Credit Card introduced in August. Notably, this launch set the stage for deeper cooperation with major institutions and proved XRP’s practical use in payment systems.
The eighth point suggests that the news will lift investor confidence and improve market sentiment around XRP. He also claimed that the development could bolster confidence in Ripple’s roadmap, as the firm persists with strategic acquisitions and useful partnerships.
In his ninth point, the pundit said the partnership may fuel broader ecosystem growth. He believes Ripple’s products, including Ripple Payments, will likely see more adoption.
Meanwhile, his tenth point projects that the partnership could lead to even larger institutional use cases. For context, once Mastercard’s pilot proves successful, other global banks and card issuers may adopt the same model. This will likely increase XRP’s presence in mainstream finance.