Ripple to Acquire Stablecoin Payments Firm Rail for $200M, XRP Jumps 4%

Ripple has agreed to acquire Rail, a stablecoin-focused global payments platform, for $200 million. The deal, announced this week, is expected to close in the fourth quarter of 2025, pending regulatory approvals. It marks Ripple’s latest move to expand its digital asset payments infrastructure amid rising demand for stablecoin-based transactions.

Building Out a Stablecoin Payment System

Rail’s platform offers virtual accounts, back-office automation, and API integration for stablecoin transactions. Its technology enables companies to process pay-ins and pay-outs in digital assets and fiat currencies without directly holding crypto on their balance sheets.

Ripple said the acquisition will add capabilities to its existing payments network, which includes a wide range of regulatory licenses and digital asset liquidity tools. Rail also connects with more than a dozen banking partners, supporting broader access to cross-border payment rails.

“Ripple has one of the most widely used digital asset payment networks in the world, and this acquisition underscores our commitment to helping our global customer base move money wherever and whenever they need.”

Following the announcement, Ripple’s XRP jumped 4% to trade at $3.08. With a market cap of more than $180 billion, the payments-focused token ranks third behind Ethereum.

According to CEO Bhanu Kohli, Rail is forecasted to process more than 10% of the $36 billion global B2B stablecoin payment volume in 2025. The platform supports both internal treasury flows and third-party payments and operates continuously through an always-on infrastructure.

The combined offering will support assets including RLUSD, XRP, and others, and aims to deliver competitive pricing on high-value transactions.

Compliance and Integration

Ripple holds over 60 financial licenses globally. The company plans to integrate Rail’s services into its existing infrastructure, offering clients regulated payment flows with simplified onboarding and settlement options.

Customers will be able to access stablecoin settlement and digital asset custody through a single interface, without requiring accounts on centralized crypto exchanges. The platform will also support collections and virtual account functionality.

Read more: XRP News: Former U.S. Treasurer Rosie Rios Renews Backing for Ripple, Token Gains 4%

The deal follows a series of acquisitions by Ripple, which has spent more than $3 billion on strategic growth initiatives to date. The company said it will continue to pursue mergers and acquisitions to expand its presence in digital finance.

Most recently, Ripple applied for a national trust charter from the U.S. Office of the Comptroller of the Currency, which would allow it to operate under federal regulation across the country.

Other crypto firms, including stablecoin issuer Circle, have made similar moves as the industry looks to align with evolving U.S. rules and simplify compliance through federal licensing.