Ripple Spends $200 Million to Acquire Rail and Expand Stablecoin Infrastructure

Ripple has completed a $200 million acquisition of Rail, a Toronto-based stablecoin payment platform, to enhance its digital payment infrastructure and expand its footprint in the stablecoin ecosystem [1]. The deal, announced in late July and finalized in early August, is intended to integrate Rail’s infrastructure with Ripple’s existing network to create a more robust and scalable stablecoin payment system [2]. This follows the launch of Ripple’s own stablecoin, RLUSD, in December 2024, as the firm seeks to accelerate its adoption through broader infrastructure support [3].

Rail offers real-time international payments using stablecoins and brings a platform that Ripple plans to incorporate into its own payment offerings [4]. Ripple President Monica Long highlighted that the acquisition positions the company to lead the next wave of innovation in blockchain-based payments [5]. Rail’s technology includes virtual accounts and automated back-office systems, which Ripple said will streamline operations and improve its ability to manage customer payment flows [6].

The integration of Rail’s infrastructure is expected to allow businesses to handle various payment types—such as third-party payments and internal treasury flows—within a single interface, without requiring them to hold crypto assets on their balance sheets [7]. Rail CEO Bhanu Kohli emphasized the potential of the partnership to deliver fast, efficient stablecoin-based payments to millions of international businesses [8].

Rail is projected to process over 10% of the $36 billion in global business-to-business payments in 2025, according to Artemis Analytics [9]. The acquisition aligns with Ripple’s broader strategy to expand its influence in the digital asset payments space, especially as the U.S. Senate considers new regulatory frameworks for stablecoins, such as the Genius Act [10].

This deal comes on the heels of Ripple’s landmark legal settlement with the U.S. Securities and Exchange Commission (SEC) in late 2024, which reduced its initial penalty from $125 million to $50 million [11]. With the legal uncertainty behind it, Ripple is now focusing on scaling its infrastructure and services amid a growing regulatory environment for digital assets.

The acquisition also represents a key step in Ripple’s broader expansion strategy in 2025. Earlier in the year, the company acquired Hidden Road, a prime brokerage firm, for $1.25 billion in April [12]. These combined moves position Ripple to play a central role in the evolving digital payments landscape.

Source:

[1] Ripple to Pay $200 Million for Stablecoin Payment Platform ... (https://www.pymnts.com/acquisitions/2025/ripple-pay-200-million-dollars-stablecoin-payment-platform-rail/)

[2] Ripple to Buy Stablecoin Payments Firm Rail for $200M in ... (https://www.coindesk.com/business/2025/08/07/ripple-to-buy-stablecoin-payments-firm-rail-for-usd200m-to-boost-rlusd-report)

[3] Ripple to Acquire Stablecoin Payments Firm Rail for $200 ... (https://www.mitrade.com/insights/news/live-news/article-3-1022522-20250808)

[4] Ripple To Boost XRP, RLUSD Stablecoin With Acquisition ... (https://www.tradingview.com/news/zycrypto:eb22f53f0094b:0-ripple-to-boost-xrp-rlusd-stablecoin-with-acquisition-of-payments-firm-rail-for-200-million/)

[5] Ripple To Acquire Rail For $200M, Expanding Role In ... (https://www.crowdfundinsider.com/2025/08/247341-ripple-to-acquire-rail-for-200m-expanding-role-in-stablecoin-payments/)

[6] Ripple to buy Canadian stablecoin platform Rail for $200M (https://www.bankingdive.com/news/ripple-acquire-rail-200-million-crypto-stablecoin/757092/)