XRP just took another step toward real-world utility. RedotPay integrated XRP for payments across its 7M-user network in 100+ countries, allowing holders to spend XRP globally without selling their position. The platform also offers a 50% LTV credit line against XRP holdings, turning the token into spendable collateral while maintaining market exposure. This is part of a bigger shift: crypto is moving from speculative asset → usable financial infrastructure. Payments, remittances, lending, and tokenized finance are becoming the next battleground for adoption.