Ripple CEO Brad Garlinghouse has officially ended speculation by confirming that the company has acquired Rail, a digital payment infrastructure provider specializing in stablecoin settlements. The deal, valued at $200 million, is designed to position Ripple as the dominant force in enterprise-grade stablecoin payments. Ripple expects to complete the acquisition by the end of 2025, pending regulatory approvals.
Garlinghouse described the acquisition as a major step forward in Ripple’s stablecoin strategy, stating that Rail’s integration will help Ripple become the default infrastructure for institutions settling payments using stablecoins.
Rail’s Capabilities to Enhance Ripple’s Global Payment Network
Rail brings a robust suite of payment tools to the table, including virtual accounts, third-party payment support, and automated treasury solutions. These features will be fully integrated into Ripple’s existing enterprise-grade payment network and API stack, expanding Ripple’s service offerings beyond crypto-native environments.
Garlinghouse shared the announcement on X, emphasizing that the Rail acquisition will create a seamless bridge between traditional finance and digital asset settlement via stablecoins.
RLUSD Gains Momentum Amid Stablecoin Competition
This acquisition aligns perfectly with the growing adoption of RLUSD, Ripple’s own U.S. dollar-backed stablecoin. RLUSD has quietly climbed the stablecoin charts, currently holding the 105th spot among all crypto assets by market capitalization. It boasts a circulating supply of 612.74 million, a market cap of $612.71 million, and a 24-hour trading volume of $45.26 million.
RLUSD now trails closely behind PayPal’s PYUSD, signalling a rapidly rising presence in the stablecoin space. With Rail’s infrastructure now in Ripple’s hands, the company is well-positioned to drive RLUSD usage in enterprise settlement workflows globally.
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$3 Billion in Strategic Moves: Ripple Tightens Grip on Digital Payments
Ripple operates one of the largest digital asset payment networks in the world, backed by over 60 regulatory licenses and capable of handling both XRP and non-XRP transactions. The company’s acquisition of Rail adds an additional layer of stablecoin-specific infrastructure that allows institutional users to interact with digital assets without needing to hold crypto directly.
With this latest purchase, Ripple’s total spend on acquisitions has now exceeded $3 billion. Each move, including the Rail acquisition, reflects Ripple’s long-term strategy to dominate stablecoin settlement infrastructure on a global scale, especially with the live success of RLUSD already proving its potential.
By acquiring Rail, Ripple has made it clear that it’s not just building a stablecoin, it’s owning the rails that power them. With RLUSD rising fast, regulatory approvals pending, and a strategic payment engine in place, Ripple’s latest deal could reshape the stablecoin settlement landscape heading into 2026.
