RedotPay Unveils XRP-Backed Visa Card for 100 Nations

Woofun AI reports that RedotPay has deployed the RLUSD card across the Visa network, utilizing XRP Ledger infrastructure for settlement. This product launch was publicly analyzed by Odelia Torteman, Head of Digital Assets at XRPL Commons, and Taylor Bossung, Head of Corporate Affairs at RedotPay.

The mechanism allows users to pledge XRP holdings as collateral at a 50% loan-to-value (LTV) ratio to activate a credit line. Loans are issued via the RLUSD stablecoin on the XRPL network before executing payments at Visa-affiliated merchants. This structure provides immediate liquidity to holders without requiring them to sell their underlying intangible assets.

Woofun AI data shows the company serves a base exceeding 8 million users in over 100 countries. The entity processes an estimated annualized payment volume of $12 billion. Transaction volume processed with stablecoin-backed cards registered an 80% growth so far in 2026, marking a 250% increase compared to the same period last year.

Structurally, RLUSD functions as the settlement layer within the XRPL network to leverage its low transaction fees. The integration of dollar-pegged assets could drive processing demand within Ripple’s distributed ledger. Executives addressed the evolution of on-chain remittances, credit backed by tokenized assets, and payment automation via artificial intelligence agents.

These technologies could position the XRP Ledger as an infrastructure geared toward integrated digital commerce. The introduction of this card continues previous integrations between Ripple and RedotPay focused on optimizing cross-border crypto-to-fiat transfers in emerging markets. The platform plans to publish data corresponding to the volume of issued credit in its next quarterly operational report.