In significant XRP news today, Girin Labs announced a significant regulatory milestone for the XRP Ledger (XRPL) ecosystem. The company announced that Girin Card, an XRPL-native, self-custody crypto payment card, secured a Money Services Business (MSB) registration with the U.S. Treasury’s FinCEN.
XRPL-Based Girin Card Receives FinCEN MSB License
The self-custody crypto payment card secured approval under the Bank Secrecy Act’s AML/CTF framework to process real-world payments using XRP and RLUSD. Also, this marks a major step toward establishing banking relations and partnering with major institutions.
Girin Labs said “The regulatory foundation is set. One step closer to making XRPL the rails for everyday spending.” The registration covers the specific payment flows such as enabling compliant conversion and settlement of crypto assets.
Girin Card was introduced as the first XRPL-native self-custody card in March this year. Visa-powered card to enable users to spend XRP and RLUSD at over 130 million merchants across more than 150 countries.
The XRPL-native self-custody crypto card’s roadmap includes enterprise-grade APIs and white-label payment infrastructure. It will allow partners to launch their own card programs on rails that Girin has already built and tested.
As payment systems bridge the gap to Web3, merchants and consumers alike are seeking the best crypto cards 2026 to optimize their cashbacks and transaction fees.
