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Ripple has announced plans to acquire Rail, a leading stablecoin infrastructure provider, in a deal reportedly worth $200 million. This move signals Ripple’s growing ambition to expand its presence in the stablecoin ecosystem, following the launch of its own USD-backed stablecoin, RLUSD.
The acquisition is designed to strengthen Ripple’s ability to build, manage, and distribute stablecoins at scale. Rail specializes in stablecoin infrastructure that allows issuers to create regulatory-compliant tokens backed by fiat reserves. With increasing demand from institutions and recent regulatory clarity around stablecoins in the United States, Ripple is positioning itself to lead in the next phase of digital payment. According to company sources, the deal is expected to close later this year, pending regulatory approval. Once finalized, Rail’s team and technology will be integrated into Ripple’s existing payment and tokenization platforms. This includes RippleNet and the XRP Ledger, both of which are central to Ripple’s global remittance and liquidity operations.
Ripple’s CEO Brad Garlinghouse described the acquisition as a “strategic investment in the infrastructure layer of the digital asset economy.” He emphasized that stablecoins will play a central role in cross-border payments, institutional settlement, and tokenized finance in the years ahead.
The timing of the acquisition follows closely behind a major regulatory shift in the United States. Earlier this week, the U.S. Securities and Exchange Commission issued guidance officially recognizing certain USD-pegged stablecoins as cash equivalents on corporate balance sheets. This clarity could encourage more banks and financial firms to enter the space, using stablecoins as a digital alternative to cash.
Rail’s technology has been praised for its ability to ensure transparency, compliance, and redemption guarantees all key requirements under the SEC’s new guidance. By bringing Rail in-house, Ripple gains an experienced team and a ready-made platform that can accelerate RLUSD’s adoption and help other partners issue their own stablecoins on Ripple infrastructure.
This acquisition may also offer indirect benefits for XRP, Ripple’s native digital asset. Since XRP is used to facilitate fees and liquidity in transactions involving RLUSD, an increase in stablecoin activity could drive more demand for the token.
Ripple has not disclosed whether Rail’s existing clients or partners will be affected by the acquisition. However, analysts expect the integration to enhance Ripple’s ability to offer custom stablecoin solutions to central banks, fintech firms, and payment providers.
As the stablecoin sector continues to mature, Ripple’s acquisition of Rail places it among the most well-positioned players in the market. The deal reflects a broader trend of convergence between crypto-native companies and traditional financial technology providers, particularly in the wake of growing regulatory acceptance.
This is not just a tech acquisition. It is a signal that Ripple is making a long-term bet on stablecoins as the foundation for mainstream digital finance.
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