$200M Acquisition: Ripple to Integrate Rail’s Stablecoin Infrastructure

Ripple will acquire stablecoin payment platform Rail for $200 million to expand its global digital asset payment capabilities and strengthen its enterprise stablecoin offering.

Strategic Expansion into Stablecoin Infrastructure

Ripple has announced plans to acquire payments infrastructure firm Rail in a $200 million deal, aiming to deepen its foothold in the growing stablecoin payments sector. The acquisition, which is subject to regulatory clearance, is expected to be finalized in the fourth quarter of 2025. The move is aligned with Ripple’s broader strategy to become a key player in the enterprise stablecoin market.

Ripple sees the deal as a pivotal step in enhancing its product suite and meeting the rising demand for digital asset-based payments.

CEO Brad Garlinghouse commented,

“Ripple + Rail together will be THE go-to provider of stablecoin payments infrastructure for global financial institutions around the world.”

Enhancing Enterprise Capabilities

With Rail’s API-based platform and over 12 banking partnerships, Ripple will be able to offer a seamless, stablecoin payment system that supports global operations. The combined offering includes always-on infrastructure, integrated compliance protocols, and support for a range of assets, including RLUSD and XRP.

Rail’s capabilities are designed to simplify complex financial operations, such as third-party transactions, internal treasury management, and cross-border pay-ins and payouts. Its system allows clients to engage in digital asset transactions without the need for holding crypto on their balance sheets or opening dedicated crypto wallets, lowering operational and regulatory hurdles.

Meeting Market Demand with Scalable Solutions

The acquisition comes at a time when demand for B2B stablecoin transactions is surging. Rail is projected to handle over 10% of the anticipated $36 billion in global B2B stablecoin payments this year. By incorporating Rail’s technology, Ripple intends to offer financial institutions flexible, secure, and compliant access to stablecoin-based infrastructure that operates around the clock.

Bhanu Kohli, CEO of Rail, said,

“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 $36B 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.”

Positioning for a Stablecoin-Driven Financial Future

The deal also strengthens Ripple’s regulatory footprint, as Rail holds more than 60 financial licenses. This regulatory compliance will enable Ripple to offer robust, secure services that meet the stringent requirements of institutional clients.

By integrating Rail’s capabilities, Ripple aims to deliver an end-to-end digital payments solution that eliminates inefficiencies in legacy systems while offering asset flexibility, competitive liquidity, and operational resilience through a multi-bank partner network.

Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice