Ripple has announced its acquisition of Toronto-based Rail, a renowned stablecoin payments platform, for $200 million. The move, revealed on August 7, 2025, positions Ripple at the vanguard of instant, compliant, and borderless payments. This cements its aspiration to become the world’s top stablecoin infrastructure provider.
The acquisition comes in the wake of sweeping U.S. legislation, most notably the GENIUS Act signed by President Trump, that underscores stablecoins’ new regulatory clarity. Ripple, pioneer of cross-border digital asset payments and issuer of the RLUSD stablecoin, is looking to deepen and globalize its market presence; acquiring Rail is a calculated step to do just that.
Why Ripple Chose Rail
Rail was founded in Toronto and backed by venture capital stalwarts Galaxy Ventures and Accomplice, Rai. The platform reportedly processes 10% of all global stablecoin activity. What sets Rail apart is its unified, API-driven infrastructure that lets customers move money instantly between crypto and fiat.
It also manages virtual accounts and automates back-office tasks, without the operational friction of holding crypto on balance sheets or setting up crypto bank accounts.
For businesses, Rail is the bridge that connects traditional bank rails with the new world of compliant, instant, stablecoin payments. Customers can manage third-party or treasury payments, integrate seamlessly with existing banking partners, and access liquidity. This is possible across RLUSD, XRP, and other digital assets, 24/7/365.
The deal supercharges Ripple’s own stablecoin, RLUSD, which recently gained a powerful banking partner in BNY Mellon as primary custodian. Rail’s platform dovetails perfectly with RLUSD’s mission. The mission aims to unlock premium liquidity, reduce costs, and provide global payouts in key currencies with instant settlement.
Crucially, Ripple says the addition of Rail will let clients bypass crypto-specific banking hurdles, tap virtual accounts, and handle “always-on” payments with enterprise-grade compliance, thanks to more than 60 payment licenses worldwide.
Should the acquisition clear its final regulatory hurdles, Ripple will stand at the forefront of the digital payments revolution, ready to offer the most complete stablecoin and cross-border payments platform the world has yet seen.
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