The momentum behind crypto-linked payment tools continues to accelerate, with XRP leading the charge among digital assets gaining mainstream utility. Uphold Inc., a global digital asset platform, announced on Oct. 30 that the Uphold Debit Card is now accessible throughout the United States, enabling users to spend more than 300 digital assets wherever Visa is accepted. The company characterized the rollout as a continuation of its goal to make crypto transactions effortless and immediate, following the discontinuation of its U.S. debit card program in 2023.

“The Uphold Debit Card is now available across the U.S. Spend 300+ digital assets anywhere Visa is accepted, online or in-store,” Uphold stated on social media platform X, adding:

Earn up to 6% in XRP on everyday purchases. No credit checks. No waiting. Just your crypto, your card, your way.

The company offers two crypto reward cards designed for different user profiles. The Uphold Elite Card offers 6% back in XRP, up to $300, with no ATM or foreign transaction fees, but carries a $99.99 annual fee. The Uphold Essential Card provides 4% back in XRP, up to $120, with no annual fee but includes charges for ATM use and foreign transactions. Both cards reward purchases made with crypto, fiat, stablecoins, and metals for the first three months after activation.

Uphold explained that its debit card draws from asset balances in users’ wallets, which can be funded through bank transfers, direct deposit, Paypal, or crypto deposits.

Moreover, the company noted: “When you set up Direct Deposit with Uphold, you’ll earn 4% back in XRP every time you deposit a portion of your paycheck. Pair it with your Uphold Debit Card, which gives you up to 6% XRP back on every purchase, and you can stack rewards for up to 10% back in XRP.” On its website, Uphold detailed how a user could stack $800 in XRP every month, stating:

Set up Direct Deposit and use your Uphold Debit Card to earn up to $800/month in XRP ($500 from deposits, $300 from spending).

Industry observers interpret the launch as a bullish indicator for XRP adoption and a broader signal of how digital assets are evolving from speculative holdings into practical financial instruments powering real-world spending.

• How much XRP can users earn with the new Uphold Debit Card?
  Users can earn up to 10% in XRP rewards monthly through spending and direct deposits, potentially totaling $800 in XRP per month.
• What cryptocurrencies can be used with the Uphold Debit Card?
  The card supports spending of over 300 digital assets anywhere Visa is accepted.
• Is the Uphold Debit Card available in all U.S. states?
  The card is available in every U.S. state except Louisiana, New York, and U.S. territories.
• Are there any fees for using the Uphold Debit Card internationally?
  Elite members enjoy zero ATM and foreign transaction fees, making it a strong option for international travel and spending.

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