# Rail

> Payments, reinvented for business

Rail helps businesses move money globally by connecting fiat and stablecoin infrastructure through a single API for instant cross-border payments.

Rail helps fintechs, neobanks, and enterprises move money globally by connecting traditional banking systems with stablecoin infrastructure. With it, businesses can send and receive payments instantly across borders, access virtual accounts without crypto wallets, and manage treasury flows compliantly. Rail was acquired by Ripple in early 2025, originally founded as Layer2 Financial in 2021.

- Type: Company
- Sector: Payments
- Status: Acquired
- Profile: https://thegrid.id/profiles/rail

## Products

- [Rail Payment Infrastructure](https://thegrid.id/profiles/rail): Rail Payment Infrastructure provides unified cross-border payment processing through a single API, enabling instant settlements between fiat currencies and stablecoins across multiple banking partnerships and blockchain networks. The platform includes wallet-as-a-service capabilities, on/off-ramp conversions, virtual accounts for USD/EUR/GBP, OTC desk functionality, and request-for-quote systems for exchange rate management. (Payments Infrastructure & Orchestration, Live, Main Product)

## Links

- [Main](https://rail.io)
- [Documentation](https://docs.rail.io)
- [LinkedIn](https://www.linkedin.com/company/railfinancial)
- [Twitter / X](https://x.com/RailFinancial)

## Relationships

- [Ripple](https://thegrid.id/profiles/ripple): Parent organization

## Legal

This data is provided under two licensing models.

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Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP