Ripple Acquires Rail for $200M to Boost Stablecoin Payments Infrastructure

Ripple has announced the acquisition of Rail, a Toronto-based stablecoin platform, for $200 million in a move to strengthen its position in the expanding stablecoin payment sector. The deal, which is expected to close in the fourth quarter of 2025, will integrate Rail’s infrastructure with Ripple’s existing ecosystem, including Ripple USD (RLUSD), banking partners, and compliance tools. By combining Rail’s automated stablecoin payment solutions with Ripple’s global payment network, the company aims to offer clients a seamless, enterprise-grade platform for cross-border transactions [1].

Rail’s platform, which enables 24/7 integration via a single API, supports a range of functionalities including third-party and treasury payments, virtual accounts, collections, and compliance tools. The platform is projected to handle more than 10% of global B2B stablecoin payments by 2025, a market estimated to reach $36 billion during the same period [2]. Rail CEO Bhanu Kohli emphasized that stablecoins are becoming a critical component of modern finance, a trend that aligns with Ripple’s broader strategy to lead in the digital asset infrastructure space [3].

This acquisition is part of Ripple’s ongoing expansion in the stablecoin sector. Earlier in 2025, Ripple acquired Hidden Road, a crypto-friendly prime broker, for $1.25 billion, marking another major investment in the space. To date, Ripple has invested over $3 billion in strategic acquisitions aimed at building a robust digital asset infrastructure. The company also recently secured regulatory approval for its stablecoin, RLUSD, from the Dubai Financial Services Authority, further solidifying its global reach [4].

RLUSD, launched in late 2024 with an institutional focus, has seen growing adoption, including integration with self-custodial wallets and developer platforms in late July 2025. Ripple has also partnered with key industry players such as Uphold, Bitstamp, and MoonPay to enhance the liquidity and distribution of RLUSD [5].

The acquisition also supports Ripple’s strategic move into the European market. In July 2025, Ripple announced its intention to pursue a Markets in Crypto-Assets Regulation (MiCA) license, a regulatory step toward operating within the European Union. The company views the EU as a significant growth opportunity and is preparing to comply with MiCA requirements as it expands its operations [6].

By integrating Rail’s infrastructure, Ripple is positioning itself to offer on- and off-ramp services without requiring clients to directly hold cryptocurrencies. This approach is expected to appeal to both institutional and enterprise clients looking for streamlined, compliant, and efficient payment solutions. The move underscores Ripple’s commitment to innovation and regulatory alignment in the global stablecoin market [7].

Source:

[1] Ripple to Acquire Rail for $200M, Expanding Leadership in Stablecoin Payments

https://www.businesswire.com/news/home/20250807771414/en/Ripple-to-Acquire-Rail-for-%24200M-Expanding-Leadership-in-Stablecoin-Payments

[2] Ripple to Buy Stablecoin Platform Rail for $200M

https://cointelegraph.com/news/ripple-to-buy-stablecoin-platform-rail-for-200-million

[3] Ripple to Acquire Stablecoin Payments Firm Rail for $200M

[4] Ripple to Buy Stablecoin Platform Rail for $200M

[5] Ripple to Acquire Stablecoin Payments Firm Rail for $200M

[6] Ripple - X

https://x.com/Ripple/status/1953434712073965949

[7] Ripple to Buy Stablecoin Platform Rail for $200M