Ripple Acquires Rail to Boost Global Stablecoin Payments Network

Ripple Labs, a well-known payments company, is making a big move to grow in the global payments market. On August 7, 2025, Ripple shared that it is making plans to buy Rail, a global payment system, for a whopping $200 million.

The deal still needs approval from regulators and is expected to be completed by the end of 2025. This latest acquisition marks Ripple’s commitment to leading the stablecoin payments space.

Ripple Strengthens Its Position in Stablecoin Payments

Rail is not just any crypto platform. It was built to handle large-scale business-to-business (B2B) payments using stablecoins, including Ripple’s RLUSD and XRP. 

According to market estimates, by the end of 2025, Rail is poised to process over 10% of the $36 billion global stablecoin business payments market. Ripple plans to build on that success.

Monica Long, President of Ripple, stated that Rail’s technology would help the company speed up the shift from outdated banking systems to fast, blockchain-based solutions. She pointed out that stablecoins are quickly becoming a core part of modern financial systems. 

By adding Rail to its network, Ripple wants to continue to grow its stablecoin, RLUSD, and make it an important part of international payments.

Making Global Payments Easier for Institutions

Monica Long stressed the value of combining Ripple’s global reach with Rail’s real-time settlement capabilities. Ripple already operates one of the world’s most widely used digital asset payment networks. This deal enhances that strength.

Today, many businesses face big problems like slow payments, high fees, and inconsistent rules across different banks and countries. Ripple’s new platform wants to fix this by making payments fast, smooth, and reliable.

Ripple’s legally compliant system and liquidity tools are set to make it easier for institutions to carry out cross-border transactions. Now, clients do need to hold crypto themselves or rely on multiple banking partners before making transactions. 

Ripple’s Broader Effort to Become a One-Stop Shop for Digital Finance

Ripple has already bought several other companies this year to help it grow. Earlier this year, Ripple got new licenses to move money in New York and Texas. 

These licenses make it easier for the company to work with banks and follow U.S. rules. In April 2025, Ripple bought Hidden Road for a staggering $1.25 billion. This global platform helps big investors trade many types of assets. 

The platform helps Ripple offer more services to banks and other financial institutions, especially those using its stablecoin, RLUSD. The company has also applied for a trademark called “Ripple Custody,” which shows it plans to launch safe storage and wallet services for crypto and traditional money.