# Phase 4 (Payments) In Phase 4, Ribbit moves beyond crypto storage and DeFi tools to offer real-world utility. The focus is on helping users spend their digital assets like regular money. This includes issuing a payment card that can be used at any store that accepts Visa or Mastercard, as well as enabling services like bill payments, travel bookings, and mobile top-ups. The goal is to make crypto useful in everyday life without needing to move funds to traditional banks or exchanges. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://ribbit-wallet.gitbook.io/ribbit-wallet-whitepaper/roadmap-and-features/phase-4-payments.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.