Ripple Touted as ‘Full-Stack Financial Firm’ After Gemini Deal and $200M Rail Acquisition

Ripple is rapidly expanding beyond its role as a cross-border payments firm, with new credit deals, acquisitions, and infrastructure integrations positioning it as a “full-stack financial services firm,” according to crypto investor Omar from Dragonfly.

A recent disclosure in Gemini’s IPO filing revealed that Ripple struck a credit agreement with the exchange worth up to $150 million. The arrangement allows Gemini to request loans in increments of at least $5 million, up to $75 million.

Once that ceiling is exceeded, Ripple can extend credit in RLUSD, its USD-denominated stablecoin. The deal highlights Ripple’s willingness to deploy capital at scale, with Gemini able to request up to the $150M maximum under the agreement.

Omar argued that Ripple is weaving lending, payments, and token infrastructure into a comprehensive financial stack, with XRP and RLUSD as core settlement assets.

“Seeing Ripple’s credit agreement in the Gemini filing is a reminder of the behemoth they’ve morphed into… turning XRP into a full-stack financial services firm,” he said.

Strategic Acquisitions Add to Ripple’s Footprint

Beyond lending, Ripple has aggressively expanded its infrastructure and service portfolio. Last month, it acquired Rail, a payments provider, in a $200 million deal designed to integrate XRP and RLUSD more deeply into global settlement flows. Ripple has also bought Hidden Road, a brokerage services firm offering prime brokerage for digital assets, further strengthening its institutional offering.

Combined with the XRPL EVM integration, Ripple’s ecosystem now supports trading, borrowing, settlement, and tokenization, creating an end-to-end model that increasingly resembles a traditional financial conglomerate, but powered by blockchain. Analysts suggest this consolidation could significantly enhance XRP’s utility and market performance.

Crypto analyst Ali Charts recently speculated XRP could rally toward $3.60, citing Ripple’s accelerating partnerships and product launches as tailwinds.

With credit, stablecoins, payments, and brokerage now under one roof, Ripple appears determined to bridge digital assets and traditional finance at scale, and its execution is beginning to reflect that ambition.

Editorial Note: This news article has been written with assistance from AI. Edited & fact-checked by the Editorial Team.

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