RedotPay + Ripple: A New Era In Crypto-to-Fiat Integration

On the 2nd of December, 2025, RedotPay, a leader in the fintech sector for the African region that operates globally, announced its partnership with Ripple Labs to expand its operations to a global scale using Ripple’s cross-border payment infrastructure.

According to RedotPay, this partnership will introduce a feature that will allow its users to send supported cryptocurrencies, including stablecoins and major cryptocurrencies, and instantly receive the official currency of Nigeria, the Naira(NGN), in a local bank account. This payout is designed to be completed within minutes rather than the usual 24-hour processing time.

At the launch, supported stablecoins include USDC and USDt, with other major cryptocurrencies such as BTC, ETH, SOL, TRX, BNB, and the native digital assets of Ripple. In a subsequent statement, RedotPay also announced that it will later integrate the RLUSD stablecoin into the array of cryptocurrencies that can be used to facilitate this crypto-to-fiat integration.

Significance of the Partnership

This partnership aims to counter the several pain points that exist today within the traditional integration between blockchains and fiat currencies. Speed is one of the major plus points that this partnership offers. Traditional cross-border transactions take several days to process, which is a major annoyance for fast-paced businesses and retail investors in crypto. In contrast to this, the partnership between RedotPay and Ripple facilitates near instant settlements in NGN to a local bank account.

Beyond speed, another significant milestone that RedotPay and Ripple together achieved is a lower cost for cross-border transactions. According to RedotPay, the system is more cost-effective compared to legacy payment systems.

For a market like Nigeria, which has witnessed an immense inflow of international funds in the form of remittances for services, freelance work, and cross-border businesses, the reduced fees and faster processing can make a huge difference in how people move money internationally.

When Crypto Meets Everyday Finance

This deployment takes crypto usage beyond speculative investment. Instead of trading or investing, this strategy focuses on crypto integration in everyday financial transactions. Here, crypto is acting just like money, and not an asset that is risky and volatile.

RedotPay has been trying its best to make this a reality since early 2025. The company had raised 47 million US dollars in funding, which had lifted it to unicorn status. This was to expand its stablecoin-based cards, wallets, and global payout services.

The Implications of the Partnership For Ripple and Stablecoins

This move by RedotPay reflects a changing trend that is embracing a stablecoin-to-fiat integration, as they are being leveraged for real-world remittance and payments.

Ripple itself had been expanding its footprint on the global cross-border payment infrastructure. One of the major moves among many was the integration of Ripple’s RLUSD into Ripple payments. This enabled customers to make regulated, efficient cross-border payments.

Moreover, Ripple has been actively seeking local partners in other parts of Africa. The partnership with Chipper Cash is an example of this. Through this partnership, Ripple was able to provide cross-border payments in a safe, regulated environment through blockchain rails.

By partnering with RedotPay, Ripple is aiming at a niche market where mainstream banking facilities of traditional finance have yet to make a foothold. This broadens the user base of the partnership and Ripple itself. This opens up new opportunities for Ripple and stablecoins, as stablecoins can integrate themselves into more mainstream financial use.

Conclusion

RedotPay is revolutionizing cross-border payments with the help of Ripple through the strategy, “Send Crypto, Receive NGN”. This is worth more than just a headline, as it is redefining how crypto can move funds across borders.

For emerging markets with large cash flows from overseas, this could be a transformative opportunity. In case this model proves to be successful in Nigeria, broader adoption would soon be accelerated as more countries would want to get in on the revamped cross-border payment system for enhancing the user experience of their citizens.

With such a growth potential, Ripple could soon be launched sky high, as institutional interest will flow in seamlessly, as the involved partners are major nations. This will also have broader implications on the crypto domain as a whole, as their present identity as a speculative asset might give way to a better future and a better title.

Also Read: XRP Price Prediction Today: Will the Uptrend Hold or Reverse?