> For the complete documentation index, see [llms.txt](https://ribbit-wallet.gitbook.io/ribbit-wallet-whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://ribbit-wallet.gitbook.io/ribbit-wallet-whitepaper/roadmap-and-features/phase-4-payments.md).

# 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.