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

Ripple has announced the acquisition of Rail, a Toronto-based stablecoin payments platform, for $200 million, marking a significant step in its strategy to expand its global payment infrastructure [1]. The deal, disclosed on July 28, 2025, is expected to close by the fourth quarter of 2025, pending regulatory approval [2]. The acquisition aims to enhance Ripple’s cross-border payment solutions by integrating Rail’s virtual account system and automated back-office tools [3].

Monica Long, Ripple’s President, highlighted that stablecoins are becoming a cornerstone of modern finance, emphasizing the strategic move to drive innovation in global payments [5]. Rail’s CEO, Bhanu Kohli, noted that the partnership is focused on reaching businesses worldwide through enhanced financial infrastructure [1].

Rail has been operating in the B2B remittance space for over four years and is projected to process more than 10% of the $36 billion global stablecoin B2B payments in 2025 [6]. According to XRP community analyst WrathofKahneman, this acquisition gives Ripple control over 10% of the global stablecoin payment flow [7]. The move is expected to bolster Ripple’s RLUSD stablecoin, which was launched in 2024, and strengthen its position in the stablecoin sector [10].

The combined platform will enable Ripple to offer end-to-end stablecoin payouts, allowing clients to send payments without holding crypto on their balance sheets [8]. This integration also provides customers with the ability to manage multiple payment types through a single interface [9]. Ripple has previously selected the Bank of New York (BNY Mellon) as a custodian for its stablecoin reserves, further reinforcing its commitment to compliant infrastructure [10].

The acquisition underscores Ripple’s broader strategy to accelerate the adoption of stablecoins and blockchain in global financial systems [4]. It may also create heightened pressure on competitors like Circle and Tether, as Ripple consolidates its role in the stablecoin payment ecosystem [1]. The deal reflects the ongoing importance of secure and trusted payment channels, with Ripple positioning itself to lead in the next phase of digital asset innovation [5].

Sources:

[1] https://www.bankingdive.com/news/ripple-acquire-rail-200-million-crypto-stablecoin/757092/

[2] https://www.crowdfundinsider.com/2025/08/247341-ripple-to-acquire-rail-for-200m-expanding-role-in-stablecoin-payments/

[3] https://www.ainvest.com/news/ripple-acquire-rail-200m-expand-stablecoin-payments-infrastructure-2508/

[4] https://coincentral.com/ripple-ceo-confirms-200m-rail-acquisition-to-boost-stablecoin-strategy/

[5] https://thecryptobasic.com/2025/08/07/ripple-acquires-rail-for-200m-gaining-10-of-global-stablecoin-payment-flow/