KEY FACTS: Ripple, a global leader in enterprise blockchain solutions, has agreed to acquire Rail, a stablecoin-powered payments platform, for $200 million, with the deal expected to close in Q4 2025 pending regulatory approval. The acquisition will enhance Ripple’s leadership in stablecoin payments by integrating Rail’s virtual account infrastructure and automated back-office capabilities into Ripple’s extensive payment network, which supports over 60 licenses and a robust banking partner ecosystem. This strategic move aims to deliver a comprehensive stablecoin payment solution, enabling businesses to conduct fast, cost-effective, and compliant cross-border transactions using assets such as Ripple’s RLUSD and XRP.
Source: Ripple, Rail
Ripple Acquires Rail for $200 Million to Boost Stablecoin Payments
Ripple, a global leader in enterprise blockchain and crypto solutions, has announced its agreement to acquire Rail, a cutting-edge stablecoin-powered platform for global payments, for $200 million. This strategic acquisition, expected to close in the fourth quarter of 2025 pending regulatory approvals, positions Ripple to deliver the most comprehensive stablecoin payments solution in the market, to further strengthen its dominance in digital asset payment infrastructure.
Ripple, renowned for its enterprise-grade blockchain solutions, has been a trailblazer in leveraging digital assets to streamline global financial transactions. With its robust payment network, Ripple Payments already supports a wide payout network, market-leading digital asset liquidity, and a portfolio of over 60 licenses to ensure compliant payment flows for its customers. The acquisition of Rail, a platform designed to facilitate fast and cost-effective international business payments using stablecoins, enhances Ripple’s capabilities by integrating virtual accounts and automated back-office infrastructure, streamlining operations for its global customer base.
Monica Long, President of Ripple, emphasized the transformative potential of the acquisition, noting that stablecoins are quickly becoming a cornerstone of modern finance. Long furthered that the acquisition of Rail will uniquely position Ripple to drive the next phase of innovation and adoption of stablecoins and blockchain in global payments. Ripple is renowned as one of the most widely used digital asset payment networks in the world, and this acquisition emphasized the firm's commitment to helping its global customer base move money wherever and whenever they need.
The integration of Rail’s technology into Ripple’s ecosystem is poised to address the growing demand for stablecoin-based financial solutions. As stablecoins gain traction in global finance, Ripple and Rail aim to deliver a seamless, efficient, and compliant payment infrastructure that meets the needs of businesses worldwide. Together, the two companies will offer a suite of advanced features designed to simplify and enhance cross-border transactions, including:
- Stablecoin On/Off-Ramps and Asset Flexibility
- Third-Party and Treasury Payments
- Premium Digital Asset Liquidity
- Virtual Accounts and Collections
- Simple Integration and Always-On Infrastructure
- Enterprise-Grade Compliance and Licensing, and
- Banking Partner Network
Rail was founded with a mission to connect fiat and stablecoin technologies, and has established itself as a leader in facilitating fast, cost-efficient international business payments. With more than 12 banking partners, Rail’s platform offers unprecedented redundancy, enabling clients to execute transactions with confidence. In 2025, Rail is projected to process over 10% of the $36 billion global B2B stablecoin payments market, underscoring its significant market presence.
Bhanu Kohli, CEO of Rail, expressed enthusiasm about the acquisition, noting that over the last four years, Rail has built the fastest way to settle business payments internationally using stablecoins. Kohli admitted that Ripple shares its vision, and together, the acquisition will bring Rail's innovation to the millions of businesses that move money internationally.
The integration of Rail’s robust back-office capabilities and virtual account infrastructure will enable Ripple to enhance its already formidable payments ecosystem, offering a one-stop shop for businesses looking to connect traditional financial networks with blockchain technology. This acquisition also aligns with Ripple’s broader strategy of leveraging the XRP Ledger and its native digital asset, XRP, to enable fast, low-cost, and highly scalable transactions across both developer and financial use cases.
The acquisition of Rail is the latest in a series of strategic moves by Ripple to expand its influence in the digital asset economy. With over $3 billion invested in acquisitions and strategic opportunities to date, Ripple has demonstrated a commitment to growth through mergers and acquisitions. Earlier this year, Ripple made headlines with its $1.25 billion acquisition of prime brokerage firm Hidden Road, a deal that positioned the company as the first crypto firm to own and operate a global, multi-asset prime broker.
Additionally, Ripple has pursued partnerships and initiatives to bolster its stablecoin offerings, including selecting the Bank of New York Mellon (BNY) as the primary custodian for RLUSD and applying for a national banking license with the U.S. Office of the Comptroller of the Currency (OCC). These efforts reflect Ripple’s broader mission to bridge traditional finance and the digital asset space, delivering solutions that are simple, compliant, and reliable.
The announcement of the Rail acquisition has sparked significant interest in the cryptocurrency community, particularly among investors tracking Ripple’s native digital asset, XRP. According to market data, XRP experienced a 2.95% price increase in the 24 hours following the announcement.
The acquisition also shows the growing importance of stablecoins in the global financial system. With stablecoin transaction volumes reaching $700 billion per month and projections estimating $18 trillion in tokenized assets by 2033, Ripple’s strategic focus on stablecoin infrastructure positions it at the forefront of this rapidly evolving market.
As Ripple and Rail work toward closing the acquisition in Q4 2025, subject to customary closing conditions and regulatory approvals, their combined strengths are expected to deliver unparalleled value to businesses seeking faster, more affordable, and transparent cross-border payment solutions.
Information Sources:
If you found the article interesting or helpful, please hit the upvote button and share for visibility to other hive friends to see. More importantly, drop a comment below. Thank you!
This post was created via INLEO. What is INLEO?
INLEO's mission is to build a sustainable creator economy that is centered around digital ownership, tokenization, and communities. It's built on Hive, with linkages to BSC, ETH, and Polygon blockchains. The flagship application, Inleo.io, allows users and creators to engage & share micro and long-form content on the Hive blockchain while earning cryptocurrency rewards.
Let's Connect
Hive: inleo.io/profile/uyobong/blog
Twitter: https://twitter.com/Uyobong3
Discord: uyobong#5966