The $100B battle between stablecoins and credit cards in the US payments market

With over $100 billion paid annually in credit card fees, stablecoins are emerging as a competitive alternative, offering faster and cheaper transactions. Ripple’s RLUSD and the Gemini XRP Card illustrate the growing integration of stablecoins into mainstream finance.

Should stablecoins capture even a small fraction of card transactions, coming shifts could reintegrate billions into the economy, enhancing savings for both merchants and consumers.