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The integration of cryptocurrencies into everyday use is taking a new step in Japan, where Rakuten is preparing to connect 44 million users to XRP by integrating the token directly into its payment application. The move positions crypto as more than an investment product, bringing payments, spot trading, and loyalty rewards into a single digital ecosystem.
Rakuten is preparing to integrate XRP as a payment method within its Rakuten Pay app, which already serves 44 million users. Published information says users will be able to “make spot transactions in XRP and use it as a payment method via the Rakuten Pay app,” placing the token into a mainstream use case.
While the volume of payments on the XRP network drops by 77%, Rakuten’s plan focuses on expanding access to XRP through its existing payment platform.
The XRP integration goes beyond adding a new payment option. The app is also designed to allow users to trade XRP directly, combining payment and trading in one interface. Users will be able to “make spot transactions in XRP via the Rakuten Pay app,” positioning the platform as a hybrid entry point between fintech services and crypto.
The initiative also reflects a broader trend among platforms to expand their ecosystems by internalizing more financial services. By linking trading and payments in a single environment, Rakuten may reduce friction for users who are unfamiliar with traditional crypto exchanges.
In the medium term, the linkage between loyalty programs and blockchain assets could change how consumers perceive and use accumulated points. By offering loyalty rewards that can be converted into a crypto asset, the model may increase the practical utility of points through greater liquidity and transferability.
If similar integrations are adopted by other major players, the approach could extend beyond Japan and further embed cryptocurrencies into common daily activities, including XRP.

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