COMPANY detail
GIRIN Card XRPL-Native Card
PRE-LAUNCH
This card is not yet live. Features, terms, and benefits are based on publicly available information and preliminary specifications and may change prior to launch. This breakdown will be updated as additional details become available and once the card officially launches.
CARD FEATURE OVERVIEW. 
TIERS
W BONUS
NONE
REG FEE / REQ
$5.89
CASHBACK
1%
NEED KYC
YES
FX FEE
0.75%
APR / YIELD
YES
CARD TYPE
VIRTUAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
NO
ATM LIMIT
$0
DAILY LIMIT
$1,000,000/MO
GET THE CARD
W BONUS
NONE
REG FEE / REQ
$58.9
CASHBACK
1%
NEED KYC
YES
FX FEE
0.75%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
NON CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
NO
ATM LIMIT
$500
DAILY LIMIT
$1,000,000/MO
GET THE CARD
VIRTUAL
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $5.89 |
| CASHBACK | 1% |
| NEED KYC | YES |
| FX FEE | 0.75% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $0 |
| DAILY LIMIT | $1,000,000/MO |
PHYSICAL
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $58.9 |
| CASHBACK | 1% |
| NEED KYC | YES |
| FX FEE | 0.75% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | NO |
| ATM LIMIT | $500 |
| DAILY LIMIT | $1,000,000/MO |
Last Updated: Aug 25, 2026
CASHBACK
Cashback may change, be available for a limited time, have limits, or even be awarded in points or other forms. For precise details, always check the card’s website.
REGIONAL AVAILABILITY
VIEW GLOBAL NETWORK
Available
Restricted
Not Specified
The card was still on the waitlist at time of research, Girin announced (Jun 2026) that development is done but launch is delayed on the issuer's side.
Businesses can launch a branded card program via Girin's CaaS REST API in weeks, not months, a fast route to white-label crypto cards.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- True self-custody
- First XRPL-native self-custody card
- 3–5 second onchain settlement
- No annual or monthly fees
- Up to 5% cashback (first 30 days Up to $1,000)
- 130M+ Visa merchants worldwide
- 150+ countries supported
- Apple Pay and Google Pay
- Enterprise CaaS infrastructure
- FinCEN MSB registered
CONS
[ LIMITATIONS ]
- Card remains on waitlist
- Physical card has issuance fee
- Virtual card has issuance fee
- Supports only XRP and RLUSD
- Additional conversion fees may apply
- ATM withdrawal fees apply
- XRPL reserves required
- No IBAN or SWIFT
- Bank transfers coming soon
- Yield currently coming soon
- Only 2 assets supported (XRP, RLUSD)
- 2% ATM withdrawal fee
- 0.75% FX + up to 0.75% conversion fee
GENERAL QUESTIONS.
Virtual Card: $5.89 one-time issuance. Physical Card: $58.9 one-time issuance. No annual fee, no monthly maintenance, no inactivity fee.
Only the Physical Card supports ATM withdrawals (2% fee, $500/day, $3,000/month). Virtual Card has no ATM access.
XRP and RLUSD (native to the XRP Ledger). No other assets currently supported.
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