Rakuten Wallet Integrates XRP, Opening Access to 44 Million Users Across Japan

TLDR:

• Rakuten Wallet lists XRP on April 15, 2026, giving 44 million Rakuten Pay users direct access to the asset.
• Users can convert Rakuten Points into XRP, tapping a loyalty pool worth approximately $23 billion USD.
• XRP converted to Rakuten Cash becomes spendable at over five million merchant locations across Japan.
• Rakuten’s ecosystem records 5.6 trillion yen in annual GMV, placing XRP inside one of Asia’s largest commerce networks.

Rakuten Wallet will list XRP as a supported asset and payment method starting April 15, 2026. The move connects XRP to one of Japan’s largest consumer ecosystems.

Rakuten Pay serves 44 million users across the country. Users will be able to buy XRP directly with Rakuten Points or convert XRP into Rakuten Cash for everyday spending. The integration covers over five million merchant locations nationwide.

XRP Enters Japan’s Mainstream Commerce Network

Rakuten Pay is not a crypto-native platform. It is Japan’s everyday commerce app, used by tens of millions of consumers for routine purchases.

Bringing XRP into this environment puts the asset in front of users who may have never engaged with digital currencies before.

Through this integration, users can convert Rakuten Points directly into XRP. Rakuten has issued over three trillion points to date, which is equivalent to roughly $23 billion USD. That existing pool of value now has a direct pathway into digital assets.

Spending XRP will be straightforward for users. Once converted to Rakuten Cash, XRP can be used at any of the five million-plus merchants that accept Rakuten Pay across Japan. This gives XRP real transactional utility at a scale that few digital assets have reached in any market.

Crypto analyst Tatsuya Kohrogi noted the scale of the development on X, writing that Rakuten Pay has 44 million users and that “this isn’t a crypto-native app — it’s Japan’s everyday commerce platform.”

He described it as putting XRP in front of people who have never thought about crypto before.

The Numbers Behind the Rakuten Wallet and XRP Partnership

Rakuten’s broader ecosystem adds further weight to this development. The platform reports over 100 million total members and processes 5.6 trillion yen in annual e-commerce gross merchandise value. These figures place the XRP integration inside one of Asia’s most active digital commerce networks.

The loyalty points system alone represents a substantial entry point for digital asset adoption. With three trillion-plus points now convertible to XRP, the pipeline between traditional rewards and crypto is direct and accessible to everyday consumers.

Kohrogi also pointed out that XRP is “now embedded into its loyalty and payments infrastructure,” calling it a strong indicator of where broader digital asset adoption is heading. His post acknowledged the Rakuten Wallet team for executing the integration.

For XRP, the partnership represents access to a trusted, established consumer brand. Rakuten’s reputation in Japan is built on decades of retail and financial services.

That credibility now extends to XRP as a usable and purchasable digital asset within a familiar ecosystem.

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