Ripple Drops $200M on Rail to Dominate the Future of Stablecoin Payments
When Ripple makes a move, the fintech world pays attention. This time, the San Francisco blockchain powerhouse is making waves north of the border, acquiring Canadian payment infrastructure firm Rail for a cool $200 million.
Ripple’s president, Monica Long, calls it “a strategic leap to accelerate stablecoin and blockchain adoption in global payments.” Translation? Ripple wants to dominate the future of money movement, where stablecoins flow as seamlessly as dollars.
The deal, slated to close in Q4 2025 pending regulatory sign-off, cements Ripple’s aggressive growth-through-acquisition play. With Rail in the fold, Ripple’s M&A tally climbs past $3 billion, a war chest deployed to fuse traditional finance with decentralized solutions.
Why Rail matters:
Founded in 2021 by fintech veterans Bhanu Kohli and Tarun Mistry, Rail built a platform that connects stablecoins to traditional fiat systems via a single API. It’s the invisible superhighway enabling fast, cost-efficient cross-border B2B payments. This year alone, it’s projected to handle about 10% of all global B2B stablecoin transactions.
Its tech stack covers accounts payable, receivable, and treasury management, backed by a network of 12+ banking partners. Businesses can use virtual IBANs and named accounts to transact in digital assets, without touching a crypto wallet or opening a dedicated crypto bank account.
For Ripple, integrating Rail’s infrastructure means offering the most comprehensive stablecoin payments solution on the market. Expect USD pay-ins and pay-outs across major trade corridors, enhanced third-party payment capabilities, and liquidity across multiple digital assets, including Ripple’s own USD-backed stablecoin, RLUSD.
This move follows Ripple’s $1.25B purchase of prime brokerage firm Hidden Road earlier this year, underscoring its mission: build the ultimate bridge between Wall Street and Web3.
For high-growth tech founders and investors, this is more than just another acquisition, it’s a signpost. The rails of global commerce are being rebuilt in real time, and Ripple is buying the tracks.
