This is real XRP utility, not just another infrastructure headline. RedotPay now allows users to pledge XRP as collateral for a credit line at up to 50% LTV, while spending through global card rails. RLUSD on the XRP Ledger is also integrated into the payment flow. Why this matters: • XRP gains a commercial collateral use case • Holders can access liquidity without immediately selling XRP • RLUSD gains a real-world consumer payment channel • Locked XRP could reduce liquid supply if adoption grows The missing number is still the most important one: How much XRP is actually being pledged as collateral? Until that data is available, this is meaningful utility and a stronger fundamental floor, but not yet proof of major XRP token demand. Infrastructure is becoming a product. Now we need adoption data. #XRP #XRPL #RedotPay