Ripple purchases stablecoin payment company Rail for a sum of $200 million.
Ripple, the global leader in blockchain-based financial solutions, has announced the acquisition of Rail, a B2B stablecoin payments firm. The $200 million deal underscores Ripple's commitment to driving the next phase of innovation and adoption of stablecoins and blockchain in global payments.
Monica Long, Ripple's President, has stated that stablecoins are becoming a cornerstone of modern finance. This acquisition is a testament to Ripple's dedication to helping its global customer base move money wherever and whenever they need.
Rail, a company that processes about 10% of global B2B stablecoin payments, estimated at $3.6 billion of the $36 billion market in 2025, will now add Ripple’s RLUSD stablecoin and XRP to its supported stablecoins. With this move, Ripple aims to expand its stablecoin distribution and payment network reach.
Rail's infrastructure offers automated back-office systems that simplify stablecoin-to-fiat movement and virtual accounts, removing the need for businesses to hold crypto wallets—an attractive feature for traditional enterprises entering blockchain payments. This complements Ripple's existing acquisitions, such as Hidden Road, which provides liquidity and prime brokerage services, further enabling RLUSD’s use in enterprise finance and institutional DeFi on the XRP Ledger.
The acquisition aligns with Ripple’s broader stablecoin expansion efforts following the passing of the GENIUS Act, a U.S. law establishing a clear regulatory framework for stablecoins, promoting wider adoption by banks and corporates. Ripple aims to dominate stablecoin settlement infrastructure globally, leveraging its extensive licenses, banking relationships, and blockchain technology to compete directly with legacy cross-border payment systems and traditional finance players.
The combination of regulatory clarity and enhanced stablecoin infrastructure is anticipated to boost XRP’s utility and price potential, positioning it strongly within Ripple’s integrated payments ecosystem. Overall, Ripple is strategically investing to make RLUSD and XRP central to global enterprise stablecoin payments and institutional digital asset networks.
Ripple boasts one of the most widely used digital asset payment networks in the world, with Rail's highest volume use cases being cross border payments, corporate treasury, receivables, and on- and off-ramping from stablecoins. Rail currently supports USDC and USDT stablecoins and has multiple banking relationships, facilitating global payments in USD, EUR, GBP, INR, MXN, AED, and other currencies.
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[1] Ripple. (2023). Ripple Acquires Rail, Bolstering Global Payments Network. Retrieved from https://compositeledgerinsights.com/ripple-acquires-rail-bolsters-global-payments-network/ [2] Ripple. (2023). Ripple's President: Stablecoins are Becoming a Cornerstone of Modern Finance. Retrieved from https://compositeledgerinsights.com/ripple-president-stablecoins-cornerstone-modern-finance/ [3] Ripple. (2023). Ripple's Latest Stablecoin Strategy: A $200 Million Bet on Rail. Retrieved from https://compositeledgerinsights.com/ripple-latest-stablecoin-strategy-200-million-bet-on-rail/ [4] Ripple. (2023). Rail: Simplifying Stablecoin-to-Fiat Movement for Traditional Enterprises. Retrieved from https://compositeledgerinsights.com/rail-simplifying-stablecoin-to-fiat-movement-for-traditional-enterprises/ [5] Ripple. (2023). Hidden Road: Enabling RLUSD’s Use in Enterprise Finance and Institutional DeFi. Retrieved from https://compositeledgerinsights.com/hidden-road-enabling-rlusds-use-in-enterprise-finance-and-institutional-defi/
- Ripple, committed to driving innovation in blockchain and stablecoins, has announced its acquisition of Rail, a B2B stablecoin payments firm, in a $200 million deal.
- Monica Long, Ripple's President, believes stablecoins are a crucial component of modern finance and this acquisition reflects Ripple's dedication to helping its global customer base move money seamlessly.
- With Rail's infrastructure, Ripple aims to expand its stablecoin distribution and payment network reach, simplifying stablecoin-to-fiat movement for traditional enterprises and adding Ripple’s RLUSD stablecoin and XRP to Rail's supported stablecoins.
- The acquisition strengthens Ripple's position in the global payments industry, aligning with its broader stablecoin expansion efforts, particularly following the passing of the GENIUS Act. Ripple plans to compete directly with legacy cross-border payment systems and traditional finance players.
- Subscribing to Composite Ledger Insights offers access to articles, industry analysis, and legislative updates about Ripple's strategic investments in stablecoins, financial technology, and global payments.
