• Rakuten enables 44 million users to buy XRP and convert it for spending at 5 million merchant locations.
• Platform unlocks $23 billion in Rakuten Points, creating a major new on-ramp into XRP adoption.
• Japan’s Rakuten ecosystem signals broader crypto payments growth beyond 100 million users.

Large-scale payment ecosystems are increasingly embedding digital assets as practical financial tools within everyday commerce. Ripple’s Senior Ecosystem Growth Manager, Tatsuya Kohrogi, outlined a new rollout involving Rakuten Wallet on April 13, centered on integrating XRP into its broader consumer payments environment. The update detailed XRP integration into payments, loyalty conversion, and consumer transaction flows across Japan’s network.

“Excited to share what is genuinely one of the most significant XRP milestones,” Kohrogi stated on social media platform X. He added:

“Starting April 15, 2026, Rakuten Wallet will launch XRP as both a listed asset and a payment method.”

This means “users can buy XRP directly with Rakuten Points and charge their Rakuten Cash with XRP to spend it at over 5 million merchant locations across Japan,” he added, calling it “a game-changer” while emphasizing its role in bringing crypto into everyday payment contexts.

“Mainstream access at an extraordinary scale,” Kohrogi continued, elaborating: “Rakuten Pay has 44 million users. This isn’t a crypto-native app – it’s Japan’s everyday commerce platform, putting XRP in front of people who have never thought about crypto.” The framing reflects a focus on onboarding users through widely used payment tools rather than standalone crypto services.

The post outlined the breadth of Rakuten’s infrastructure, including more than 100 million members and significant e-commerce volume. It also referenced over 3 trillion Rakuten Points in circulation, representing substantial stored value within the ecosystem. “Points become purchasing power,” Kohrogi noted. “Users can convert Rakuten Points directly into XRP. With 3+ trillion points issued – worth approximately $23B USD – there is a massive reservoir of value that can now flow into digital assets.”

Additional details highlighted more than 5 million merchant locations accepting Rakuten Pay, indicating that XRP-linked value can be used within familiar retail payment experiences instead of requiring separate crypto-native tools. Kohrogi emphasized: “Spend XRP in the real world: 5 million+ merchant locations in Japan accept Rakuten Pay. XRP is now a spendable currency across Rakuten’s entire ecosystem. That is real-world utility at a scale rarely seen anywhere in crypto.” He further remarked:

“Rakuten is one of Japan’s most trusted consumer brands. The fact that XRP is now embedded into its loyalty and payments infrastructure is a powerful signal of where digital asset adoption is heading.”

Taken together, the development signals a broader shift toward embedding digital assets into existing consumer platforms that already have scale, trust, and daily usage.

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