Strengthening Ripple’s Global Payment Infrastructure

This acquisition is aimed at reinforcing Ripple’s position as a top player in the digital asset payments ecosystem. With an existing global payout network, deep liquidity, and over 60 financial licenses worldwide, Ripple Payments is now adding Rail’s virtual accounts and automation infrastructure to streamline operations even further.

No such thing as the August doldrums at @Ripple…very excited to share that we’re acquiring @RailFinancial!

Ripple + Rail together will be THE go-to provider of stablecoin payments infrastructure for global financial institutions around the world. https://t.co/JzUoHjulZB

— Brad Garlinghouse (@bgarlinghouse) August 7, 2025

Ripple President Monica Long highlighted the strategic value of this move, stating, “Stablecoins are becoming a cornerstone of modern finance. With Rail, we’re ready to lead the next wave of innovation and adoption.”

What Rail Brings to the Table

As stablecoin demand grows, the partnership with Rail will allow Ripple to offer:

• USD and stablecoin pay-ins and pay-outs without requiring customers to hold crypto

• Third-party and treasury payment flows through a single interface

• Liquidity across digital assets like RLUSD, XRP, and others

• Virtual account capabilities without needing crypto bank accounts

• Always-on infrastructure with 24/7 global access via one API

• Compliance-ready operations with 60+ licenses

• Resilient reach through an extended banking partner network

Rail’s Vision Aligns with Ripple’s

Rail CEO Bhanu Kohli stated that Rail is expected to handle over 10% of global B2B stablecoin payments by 2025. Together with Ripple, they aim to scale this vision to millions of businesses moving money internationally.

Ripple has already invested over $3 billion in strategic initiatives. The Rail acquisition, pending regulatory approvals, is set to close in Q4 2025.

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Ripple Labs CEO Brad Garlinghouse announced that the New York Department of Financial Services (NYDFS) has approved the company’s RLUSD stablecoin after months of evaluation.

In a post on X on December 10, Garlinghouse stated that following the NYDFS approval, Ripple will soon announce exchange and partner listings for RLUSD. The company had launched plans for this stablecoin in April, positioning it as a competitor to Tether’s USDT and Circle’s USD Coin.

Brad GarlingHouse’s tweet:

Ripple executives have predicted that the stablecoin could reach a market value of $2 trillion by 2028.

The company began testing RLUSD in August on the XRP ledger and Ethereum mainnet, and in October, it announced partnerships with exchanges such as Uphold, Bitstamp, Bitso, MoonPay, Independent Reserve, CoinMENA, and Bullish.

In September, Garlinghouse mentioned that Ripple planned to focus RLUSD on institutional players. As of December 10, the combined market value of USDT and USDC was recorded at approximately $180 billion.

How will Ripple manage both XRP and RLUSD?

Like other USD stablecoins, RLUSD will be pegged 1:1 to the US Dollar.

In April, Ripple announced plans to back the tokens with USD deposits, short-term US Treasury bonds, and “other cash-like assets.”

In June, Ripple President Monica Long stated that RLUSD would be “complementary and additive” to XRP.

Garlinghouse appeared in a 60 Minutes segment aired on December 8, discussing the cryptocurrency industry’s influence on the 2024 United States elections.

Ripple is also engaged in an ongoing legal battle with the US Securities and Exchange Commission (SEC) regarding XRP token offerings.

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