Ripple Acquires Rail for $200M to Expand Stablecoin Payments

Ripple has announced its acquisition of Rail, a Toronto-based stablecoin platform, for $200 million, marking a significant step in its strategy to strengthen its position in the fast-growing stablecoin market. The transaction is expected to close in the fourth quarter of 2025, pending regulatory approvals. This acquisition will allow Ripple to offer end-to-end stablecoin payment solutions, including on-ramps and off-ramps that do not require users to hold cryptocurrency directly on their balance sheets [1].

Rail’s infrastructure will be integrated into Ripple’s existing ecosystem, enhancing its capabilities through virtual accounts and automated internal processes. This will enable clients to manage various payment types—such as third-party transfers and internal treasury operations—on a single platform. Additionally, users will gain access to liquidity for multiple digital assets, including RLUSD and XRP, and connect to the global payment network via a single API [2]. Ripple President Monica Long emphasized that stablecoins are becoming the backbone of modern finance and that the deal reflects the company’s commitment to enabling seamless cross-border money movement [3].

Rail CEO Bhanu Kohli stated that the platform is projected to process more than 10% of global B2B stablecoin payments by 2025, a segment with an estimated market value of $36 billion [4]. The acquisition aligns with Ripple’s long-term strategy of expanding through mergers and acquisitions. Previously, Ripple acquired Hidden Road for $1.25 billion in April 2025, signaling its continued focus on strategic growth [5]. Ripple launched its RLUSD stablecoin in late 2024 with an institutional focus and has since seen growing adoption in both institutional and retail markets [6]. The company has also received key regulatory endorsements, including approval from the Dubai Financial Services Authority for RLUSD and plans to pursue a Markets in Crypto-Assets Regulation (MiCA) license to expand into the European Union [7].

The move highlights Ripple’s aggressive positioning in the stablecoin sector as the market continues to evolve. With over $3 billion in investments through acquisitions and strategic initiatives, Ripple aims to maintain its leadership in digital asset infrastructure while catering to enterprise clients' growing demand for efficient and secure payment solutions [8].

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[1] Ripple to Acquire Rail for $200M, Expanding Leadership in ... (https://www.businesswire.com/news/home/202508077714/en/Ripple-to-Acquire-Rail-for-%24200M-Expanding-Leadership-in-Stablecoin-Payments)

[2] Ripple to buy stablecoin platform Rail for $200 million (https://www.reuters.com/legal/transactional/ripple-buy-stablecoin-platform-rail-200-million-2025-08-07/)

[3] Ripple to Buy Stablecoin Platform Rail for $200M (https://cointelegraph.com/news/ripple-to-buy-stablecoin-platform-rail-for-200-million)

[4] Ripple Buys Rail for $200M to Boost Its Stablecoin ... (https://coinpedia.org/news/ripple-buys-rail-for-200m-to-boost-its-stablecoin-payments-power/)

[8] Ripple Acquires Rail for $200M to Enhance Stablecoin ... (https://coinpaper.com/10414/ripple-to-acquire-rail-for-200-m-to-expand-stablecoin-payment-solutions)