Ripple, Mastercard, WebBank, and Gemini are pioneering a novel approach to credit card settlements, leveraging the XRP Ledger and a new stablecoin, RLUSD. Announced at Ripple Swell 2025, this initiative aims to streamline transactions and potentially reduce costs for merchants and consumers. The collaboration focuses on settling credit card payments using RLUSD on the XRP Ledger. This represents a significant step towards integrating blockchain technology with traditional financial systems. The partners plan to onboard RLUSD to the XRP Ledger in the coming months, contingent upon regulatory approvals. This test program highlights the growing interest in using stablecoins and blockchain technology to enhance the efficiency and transparency of payment systems. By utilizing the XRP Ledger's speed and low transaction fees, this initiative could pave the way for faster and more cost-effective credit card settlements in the future. The outcome of this test program is highly anticipated by the fintech and cryptocurrency communities. ```