{"id":31638,"date":"2026-08-18T08:49:20","date_gmt":"2026-08-18T07:49:20","guid":{"rendered":"https:\/\/investx.fr\/en\/2026\/08\/18\/rakuten-wallet-xrp-crypto-payments\/"},"modified":"2026-08-18T08:49:26","modified_gmt":"2026-08-18T07:49:26","slug":"rakuten-wallet-xrp-crypto-payments","status":"publish","type":"post","link":"https:\/\/investx.fr\/en\/crypto-news\/rakuten-wallet-xrp-crypto-payments\/","title":{"rendered":"Rakuten Wallet Bets on XRP to Solve the Crypto Payment Speed Problem"},"content":{"rendered":"\n

Rakuten Wallet<\/strong> did not add XRP<\/strong> to its spot trading offering on a whim. Behind this decision lies a precise strategic conviction, articulated by senior analyst Yasuo Matsuda<\/strong>: crypto payments have been held back for years by two structural obstacles, and XRP<\/strong> is the only asset capable of solving both simultaneously.<\/p>\n\n\n\n

It is a rare stance in the industry, and one that deserves a closer look. Here is why one of Japan’s largest e-commerce conglomerates is placing its chips on the Ripple<\/strong> network.<\/p>\n\n\n\n

This move could have implications well beyond the Japanese market \u2014 and signals a deeper trend in the institutional adoption of XRP<\/strong>.<\/p>\n\n\n\n

Two Problems, One Solution: The Rakuten Wallet Thesis<\/h2>\n\n\n\n

According to Yasuo Matsuda<\/strong>, senior analyst at Rakuten Wallet<\/strong>, crypto payments have long suffered from two major failings: slow transaction finality<\/strong> and prohibitively high network fees<\/strong>. Each of these pain points has been addressed in isolation before \u2014 Layer 2 solutions for Bitcoin<\/a>, gas optimizations for Ethereum<\/strong>. But none has managed to eliminate both at scale, simultaneously.<\/p>\n\n\n\n

That is precisely where XRP<\/a><\/strong> comes in. The XRP Ledger (XRPL)<\/strong> delivers transaction finality in 3 to 5 seconds<\/strong>, with average fees of less than $0.001 per operation. These technical characteristics are not new, but their relevance in the context of real-time e-commerce payments takes on a new dimension when backed by a player like Rakuten<\/strong> \u2014 whose ecosystem spans tens of millions of users across Japan.<\/p>\n\n\n\n

The Rakuten Wallet<\/strong> thesis is therefore not speculative: it is grounded in a proven technical architecture, applied to a concrete and measurable use case \u2014 the instant settlement of commercial transactions.<\/p>\n\n\n\n

XRP in the Rakuten Ecosystem: A Lever for Mass Adoption<\/h2>\n\n\n\n
\"XRP<\/figure>\n\n\n\n

The integration of XRP<\/strong> spot trading on Rakuten Wallet<\/strong> is far from a minor development. Rakuten Group<\/strong> is one of Japan’s most diversified conglomerates, spanning e-commerce, banking, insurance, telecoms, and even a professional baseball team. This diversification creates fertile ground for a cross-platform adoption of XRP<\/strong> as an internal payment rail. Adding spot trading represents a first step in familiarizing users with the asset, ahead of a potential integration into the group’s broader payment flows.<\/p>\n\n\n\n

On Ripple<\/strong>‘s side, this decision fits into an accelerating institutional partnership strategy that has gained momentum since the partial regulatory clarity achieved in its legal battle with the SEC<\/strong>. Several Asian financial institutions<\/a><\/strong> \u2014 particularly in Japan, South Korea, and Singapore \u2014 have increased their exposure to XRP<\/strong> or XRPL<\/strong> technology in recent months, confirming a favorable regional momentum.<\/p>\n\n\n\n

For traders, the market dynamics around XRP<\/strong> remain worth watching closely. The token is trading near a critical support zone, with long positioning building up<\/strong> according to on-chain data. An institutional catalyst of Rakuten<\/strong>‘s scale could act as the trigger for a breakout \u2014 or at the very least, consolidate the long-term buyer base.<\/p>\n\n\n\n

Why This Signal Goes Beyond the Japanese Market<\/h2>\n\n\n\n

Rakuten Wallet<\/strong>‘s bet on XRP<\/strong> illustrates a broader trend: institutional players are no longer simply looking to give their clients exposure to cryptocurrencies as speculative assets. They are now evaluating their functional utility within real payment infrastructure<\/a>. XRP<\/strong>, with its XRPL<\/strong> designed from the ground up for fast interbank settlement, meets this brief better than the vast majority of altcoins<\/a>.<\/p>\n\n\n\n

This strategic repositioning by a group as structured and diversified as Rakuten<\/strong> sends a strong signal to the entire industry: the race to become the standard for real-time crypto payments is very much open<\/a><\/strong> \u2014 and XRP<\/strong> is firmly in contention. Other exchanges and fintech groups could follow this same logic in the coming quarters, particularly across Asia-Pacific<\/strong>, where demand for fast settlement solutions is especially strong.<\/p>\n\n\n\n

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