Loyalty points are worth billions, but most never leave the accounts they’re earned in.
Webus International, an XRP-focused treasury company, wants to change that.
Last week, the Nasdaq-listed firm announced plans for a tokenized travel-reward exchange powered by the XRP stablecoin system.
According to the press statement, the Singapore-based firm is targeting the global loyalty market, one of the most inefficient segments in consumer finance.
The hidden cost of trapped rewards
Every year, travelers earn hundreds of billions in loyalty credits across airlines, hotels, and mobility apps.
Yet, Hatem Kemali, co-founder of digital-rewards platform Resal, estimates that more than $100 billion of those points go unredeemed.
According to him, this situation tends to happen because the “Points are trapped in broken, fragmented systems. Hard to track. Hard to combine. Hard to spend.”
He added:
“Traditionally, loyalty points were earned after a purchase and redeemed in limited ways. But consumer expectations have changed today, people want to use loyalty like money, not just for discounts.”
That friction defines the opportunity Webus hopes to capture. Its platform will let users exchange and redeem points across multiple brands in real time, settling value through XRP-based stablecoin payments rather than opaque accounting ledgers.
Turning loyalty into liquid value
Traditional reward networks operate like closed economies. A traveler might hold miles with Emirates, hotel points with Marriott, and ride credits with Grab, but none of these systems communicate.
Webus’ blockchain framework tokenizes those balances and connects them through XRP’s system by allowing instant conversion between brands and regions without currency risk or manual reconciliation.
Nan Zheng, CEO of Webus, said:
“By integrating XRP stablecoin settlement, we aim to bring real-time, low-cost, and transparent value conversion to the travel rewards ecosystem.”
While the firm has not offered further explanations on the specific stablecoins or the role of XRP in this system, one can infer that the XRP Ledger (XRPL) would play a central role in the initiative.
In such situations, Ripple’s RLUSD stablecoin with XRP would act as a bridge asset, allowing Webus to route settlements across RippleNet’s existing corridors.
This move would move value in seconds instead of the days typical of bank-based clearing. At the same time, the firm will be able to cut costs, improve liquidity, and give consumers “cash-like” control of their loyalty balances.
Why Ripple’s tech fits the job
Ripple’s core settlement stack was built to address exactly this kind of multi-currency congestion.
Its network allows institutions to move funds instantly without pre-funded accounts, using XRP to bridge between local currencies. That design, which has long been used in cross-border banking, can now provide a ready-made backbone for loyalty conversion.
Stablecoin integration also aligns with Ripple’s broader push into real-world asset tokenization. Introduced last year, RLUSD gives enterprises a US dollar-denominated settlement option natively compatible with the XRPL.
For Webus, that means stable, regulated liquidity; for Ripple, it marks another step in expanding XRP’s utility beyond institutional payments into consumer-facing ecosystems.
If successful, Webus could show how stablecoins solve real-world problems outside trading desks.
Instead of chasing speculative yields, XRP and RLUSD would quietly power the value exchange behind everyday transactions, turning loyalty points into a universal micro-currency for travel.
