Blockchain and global finance-focused company, Ripple, announced today that it will buy Rail, a Toronto-based stablecoin payments platform, for $200 million. The deal should close in the fourth quarter of 2025, pending regulatory approvals, and aims to strengthen Ripple’s position in the $150 billion stablecoin market.
Today, we’re acquiring @RailFinancial: https://t.co/phM8Bnsa7m
This strengthens Ripple’s leadership in crypto infrastructure and stablecoin payments by adding Rail’s robust back-office and virtual account capabilities to our global payments network.
Learn how this deal enables…
— Ripple (@Ripple) August 7, 2025
Ripple Boosts Stablecoin Ambitions
Ripple was founded in 2012 to provide fast and low-cost global payment solutions. It uses XRP and the RLUSD stablecoin, which launched in 2024. Rail, supported by Galaxy Ventures, aims to simplify cross-border B2B payments with stablecoins while following regulations.
Rail reportedly manages over 10% of the global B2B stablecoin payment volume, which would stand at around $3.6 billion, given a worldwide volume of $36 billion. Given such a broad reach, the acquisition by Ripple boosts both firms, and especially helps the latter offer simple payment options without requiring clients to hold crypto directly.
Ripple’s recent move to acquire Rail follows its $1.25 billion investment in Hidden Road in April 2025, which improved the liquidity of RLUSD. By using Rail’s infrastructure, Ripple wants to enable real-time settlements and build stronger partnerships with several banks.
Working With Regulatory Clarity
Ripple’s latest moves come at a time when the regulatory environment for stablecoins is improving. In July, the U.S. passed the GENIUS Act, which provides clear rules for stablecoin trading, making it safer and simpler. Financial institutions like BNY Mellon, the custodian for Ripple’s RLUSD, are using stablecoin systems more often, which helps build trust in these digital assets.
Rail provides 24/7 payments, which lowers costs and speeds up settlement times compared to traditional systems. This lets Ripple offer better prices for high-value transactions, making it attractive to banks and fintech companies.
Ripple’s purchase of Rail fits into a larger trend where blockchain companies are making strategic buys in 2025. For example, Citi-backed crypto firm Talos acquired Coin Metrics for over $100 million to advance its crypto services. Coinbase also acquired Liquifi, a token management platform, to empower its on-chain businesses.
Ripple’s recent acquisition move puts it in a strong position to change global payments with stablecoin solutions. By following clear regulations and making smart investments, the company can enhance the use of RLUSD and XRP, and potentially compete directly with established companies like Tether.
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