# Rail

> Payments, reinvented for business

Rail is a payments infrastructure company that connects fiat and stablecoin systems. It helps fintechs, neobanks, and enterprises move money globally through a single API.

Rail is a payments infrastructure company that combines traditional banking systems with stablecoin technology to move money across borders. It provides fintechs, neobanks, and enterprises with a single application programming interface that integrates fiat and digital asset rails, removing the need for these businesses to build direct connections to each banking or crypto partner individually.

The platform addresses the operational complexity of cross-border payments by taking on integration with custodians, exchanges, lenders, and banking partners, alongside compliance functions such as anti-money-laundering and fraud monitoring. This allows client businesses to offer payment products without becoming licensed financial institutions themselves. Rail operates under licenses and registrations across multiple jurisdictions to support compliant money movement.

Its offering spans virtual accounts, named accounts, third-party payments, and treasury flows, alongside stablecoin-based settlement rails. It is used by payment processors, fintechs, and neobanks seeking to offer international payment services to their own customers. Rail was acquired by a larger digital asset payments company and now operates as part of that company's payments infrastructure.

- Type: Company
- Sector: Payments
- Status: Acquired
- Founded: 2021-01-01
- Profile: https://thegrid.id/profiles/rail

## Products

- [Rail Payment Infrastructure](https://thegrid.id/profiles/rail): Rail Payment Infrastructure is a payments orchestration platform that lets businesses accept, convert, and settle funds across fiat currencies and stablecoins through a single API. It aggregates deposit accounts, currency exchange, on-ramp and off-ramp conversions, embedded wallets, and collections into one unified account structure, routing transactions across multiple banking partnerships and blockchain networks. Businesses use it to move value across borders, hold multi-currency balances, and access request-for-quote pricing for large conversions without integrating each capability separately. (Payments Infrastructure & Orchestration, Live, Main Product)

## Links

- [Main](https://rail.io)
- [Documentation](https://docs.rail.io)
- [Privacy policy](https://legal.rail.io/legal/privacy)
- [Terms of Service](https://legal.rail.io/legal/termsofuse)
- [LinkedIn](https://www.linkedin.com/company/railfinancial)

## Relationships

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

## Legal

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- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
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- [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
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- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
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- [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