Ripple Bets $200M on Rail to Lead Stablecoin Payments

• Ripple has acquired payments platform Rail in a deal valued at approximately $200 million.
• The move positions Ripple to capture over 10% of the B2B stablecoin market, which is projected to reach $36 billion by the end of 2025.

In a strategic move to dominate the rapidly expanding stablecoin market, Ripple announced on August 7, 2025, its acquisition of the payments platform Rail for $200 million. The deal, which is expected to close in the fourth quarter of 2025 pending regulatory approval, marks a significant step in Ripple's enterprise payment strategy.

The acquisition is designed to integrate Rail’s advanced payment technology with Ripple's existing infrastructure. This will allow Ripple to offer a comprehensive solution for enterprise clients to manage diverse payment flows and treasury operations without directly holding cryptocurrency. According to Rail's CEO, Bhanu Kohli, the combined platform is forecasted to handle over 10% of all global B2B stablecoin payments by 2025, tapping into a market projected to hit $36 billion. The integrated system will support multiple digital assets, including Ripple’s own stablecoin, RLUSD, and its native token, XRP.

This deal is the latest in Ripple's aggressive expansion strategy, which has seen the company invest nearly $3 billion in mergers and acquisitions to date. It follows other high-profile purchases, such as the $1.25 billion acquisition of crypto-friendly prime broker Hidden Road in April 2025, underscoring the company’s ambition to build a full-stack digital asset service for enterprises.

Ripple’s expansion efforts are also supported by a proactive regulatory strategy. The company is actively pursuing a Markets in Crypto-Assets (MiCA) license to solidify its operations in the European Union and has already secured approvals in key jurisdictions like Luxembourg and Dubai, creating a compliant framework for its growing services.

As of 17:09 UTC on August 7, 2025, XRP was trading at $3.038, according to CoinMarketCap data. In the same period, Ripple USD (RLUSD) was trading at $1.00.