XRP Mastercard has taken a surprising lead over Coinbase in Apple’s App Store, signaling a shift in user engagement within the crypto space. This achievement is tied to a new payment card issued by Gemini, backed by XRP rewards, that’s showing strong adoption in the financial app category.

Gemini’s XRP-Powered Card Gains Ground

Cryptocurrency exchange Gemini recently introduced an innovative credit card that offers XRP rewards, giving users an incentive to spend in crypto with ease. This move appears to be paying off, as Gemini’s app has jumped ahead of Coinbase in the U.S. App Store’s finance category—a highly competitive segment usually dominated by traditional banking apps and legacy wallet platforms.

Gemini has strategically aligned this effort with renewed interest around XRP following recent updates related to the ongoing XRP lawsuit and SEC developments. As a result, users seem to be flocking to the app not just for trading, but to take advantage of XRP-based cashback and payment tools.

Why XRP Reward Mechanisms Are Gaining Momentum

The card’s main attraction is that it allows everyday purchases to generate XRP rewards, simplifying crypto utilization for mainstream consumers. With no annual fees and the ability to earn up to 3% back in XRP on dining purchases and 2% on groceries, the card positions itself as a user-friendly bridge between fiat and crypto economies.

Gemini’s growth in downloads also comes amid an uptick in accessibility and trust in XRP. Although regulatory hurdles remain, XRP continues to boast fast transaction times and low fees—factors that make it appealing for both users and developers of payment tools.

Impact of XRP’s Climb and User Sentiment

As Gemini’s XRP Mastercard gains visibility, its influence seems to extend beyond just rewards. Its performance on the App Store indicates increasing acceptance of Ripple’s ecosystem in day-to-day finance. Notably, Apple’s rankings are based on app popularity, which is shaped by download velocity and activity—a real-time reflection of public interest.

Coinbase, once a dominant figure in the space, now trails Gemini in finance app rankings, indicating that alternative crypto-focused services with tangible utilities—such as payment cards—might be the new frontier for mass adoption. This further proves that users are prioritizing platforms that simplify value integration, and XRP sits at the center of this trend.

Looking Ahead

While it’s unclear how long Gemini’s XRP Mastercard will maintain this lead, the current performance sends a clear signal: crypto users want more than trading—they want real-world ways to spend and earn. With Ripple’s tech increasingly embedded into fintech consumer products, XRP’s presence is being cemented beyond just speculation.

As of now, the XRP Mastercard appears to be more than just a novelty. It stands as a milestone for usability and practical adoption ahead of other crypto brands, even pushing beyond Coinbase in a metric that reflects true user engagement.

Related: XRP Price: $12M Max Pain for Bears

Gemini’s XRP Mastercard app climbing past Coinbase in App Store rankings shows growing interest in crypto-backed payments.