Ripple has announced its agreement to acquire Rail, a stablecoin-focused global payments platform, for US$200 million.
The deal is expected to enhance Ripple’s position in digital asset payments infrastructure by integrating Rail’s capabilities into its existing offerings.
Ripple Payments currently provides access to a wide-reaching payout network, digital asset liquidity, and over 60 licences that support compliant payment operations.
The addition of Rail is set to strengthen this infrastructure with features such as virtual accounts and automated back-office systems aimed at streamlining operational workflows.
Monica Long, President of Ripple, said,
“Stablecoins are quickly becoming a cornerstone of modern finance, and with Rail, we are uniquely positioned to drive the next phase of innovation and adoption of stablecoins and blockchain in global payments.” She added that Ripple operates one of the most widely used digital asset payment networks globally and that the acquisition reflects its ongoing commitment to supporting customers’ cross-border money movement.
As interest in stablecoin-based transactions increases, the acquisition is expected to allow Ripple and Rail to facilitate pay-ins and pay-outs across key corridors, including in US dollars, without requiring clients to hold cryptocurrency on their balance sheets.
The integration also aims to accommodate various payment types, such as third-party transactions and internal treasury flows, through a single platform.
Other features will include support for digital asset payments including RLUSD and XRP, access to virtual accounts, and 24/7 system integration via a single API.
Ripple’s existing licences and banking relationships are also expected to bolster compliance and global reach.
Bhanu Kohli, CEO of Rail, noted,
“Over the last four years, Rail built the fastest way to settle business payments internationally using stablecoins, and in 2025, Rail is forecasted to process over 10% of the US$36 billion global B2B stablecoin payments. Ripple shares our vision, and together, we’re excited to bring our innovation to the millions of businesses that move money internationally.”
The acquisition is part of Ripple’s broader strategy, with over US$3 billion invested to date in mergers and strategic opportunities.
The deal remains subject to customary closing conditions, including regulatory approvals, and is expected to be finalised in the fourth quarter of 2025.
Featured image credit: Edited by Fintech News America, based on image by tirachard via Freepik
