Uphold review: Platform plans to launch XRP-focused products including debit card cashback and DeFi lending
Crypto platform Uphold is expanding its XRP lineup with DeFi products aimed at making the token easier to earn, spend, and borrow against. The update pairs a revived U.S. Uphold Debit Card that pays rewards in XRP with an on-chain lending and credit layer being built with Exactly Protocol.
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What’s included in the XRP-centric rollout
U.S. customers can now order a Visa debit card linked to their Uphold wallet. The card supports spending from fiat, stablecoins, or many cryptocurrencies, and rewards are credited in the app.Reward levels are designed to stack:- Up to 6% XRP back on purchases.
- An extra 4% XRP on qualifying direct-deposit paychecks, bringing total promotional rewards to as much as 10%.
DeFi lending pool due in Q4 2025The Uphold's next step is a DeFi lending pool expected in Q4 2025. Through Exactly Protocol, users will be able to lend assets, including XRP, from within Uphold and earn variable yield without shifting funds to another wallet. A related credit product will let clients borrow against collateral and spend the proceeds, reducing the need to sell XRP during volatility.
Why it matters
By combining card rewards with lending and credit, Uphold is positioning XRP as a full-cycle asset: earn it from daily spending, hold it for exposure, and unlock liquidity by borrowing. The move comes as more fintech and crypto firms race to attach token incentives to payments.We previously reported that Wendy Owusu anticipates XRP rewards as an epic win for Gemini.
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