Building Payment Network & Exhange on Top of Ripple

Hello.
Right now we are trying to build

  • Payment App which is also integrated with built-in physical cards (MasterCard)
  • Merchant Platform
  • Fiat/Crypto/Stocks Exchange
    We have all agreements and set up all liquidity providers.
    We are basically building more extended version of Revolut.
    My question is how effectively we can use Ripple/Xpring in our services ?