Rail (formerly Layer2 Financial)

Happy New Year, and cheers to the progress we're seeing for payments. As we welcome 2025, stablecoins are taking center stage in reshaping global payments. 2024 saw mainstream players like Visa, PayPal, and Stripe embrace stablecoin innovation, validating the potential we've been advocating for — to simplify global payouts, reduce costs, and increase speed when it comes to money movement. With regulatory clarity advancing in the EU and a $205B market cap globally, the competition in this space is heating up. At the intersection of #finance and #technology, stablecoins represent the rails to a more efficient future—one we’re excited to see unfold in the year ahead. Here's to making money move smarter, faster, and better in 2025. https://lnkd.in/gnE8cuS2 #HappyNewYear #Fintech #DigitalPayments #Stablecoins #PaymentInfrastructure

As 2025 approaches, businesses stand at a crossroads where technology, regulation, and customer expectations are transforming how money moves globally. While the promise of blockchain and digital currencies has been clouded by market volatility and bad actors, the underlying innovation remains essential for building a more efficient and inclusive financial ecosystem. Here’s what we see shaping the industry over the next year, with each trend pointing toward a future where trust, infrastructure, and business outcomes matter more than hype.

A great conversation hosted on Bloomberg yesterday, all about what it means to scale stablecoins for the future of finance. Key takeaways: 1️⃣ Established payment companies are all in on stablecoin adoption. They discuss how PayPal has introduced its own stablecoin on #Ethereum and #Solana, targeting practical use cases like savings, payments, and commerce. They view this as a long-term evolution in payments, estimating they are "five years into a 10-year journey." 2️⃣ CFOs are poised to reap the benefits of stablecoins in cross-border payment. Adoption of #stablecoins for payments is expected to gain traction first in #cross-border scenarios, especially for #CFOs seeking to pay vendors outside the U.S. Stablecoins eliminate the five-day settlement lag typical in traditional systems, offering faster and more cost-effective global transactions. 3️⃣ Regulation will shape the future of digital payments. PayPal's SVP highlights the importance of operating within clear regulatory frameworks, pointing to New York's progressive stance on stablecoin regulation as a model. Despite mixed signals at the federal level in the U.S., they expect greater regulatory clarity soon, which will accelerate innovation in the space. Ready to build your cross-border payments strategy? We're here to help. https://lnkd.in/g9H2ickg

Regulatory advancements are shaping the path for businesses leveraging #blockchain in cross-border payments, treasury management, and more. But with uncertainty still in the mix, having the right infrastructure partner is essential. At Rail, we’re building compliant, future-ready payment solutions that connect blockchain and fiat for global businesses. And we're here to help you make the most of this opportunity. Ready to future-proof your payments? Connect with us today. 🔗 Read the article: https://lnkd.in/g3zJapzf #crossborderpayments #stablecoins #paymentinfrastructure

When you spend every day obsessively building the next generation of payments infrastructure, it's hard to think of much else. So when we saw this morning's headlines about a $6.2M banana + duct tape purchase, we immediately thought about the time and money associated with making the payment — that's a perishable purchase, it necessitates a T+0 settlement... Whether your global business is looking to reduce international fees, or working to help your clients move money across borders more quickly, we're here to help you do it all with regulatory compliance built right in. Nothing bananas about that.

Cross-border payments systems should embrace and strengthen safeguards for money movement. Hear more on the critical relationships between #regulation, #compliance, and #crossborderpayments from our new Global Chief Compliance officer, Josh Ramsey.

We’re thrilled to welcome Josh Ramsey as our new Global Chief Compliance Officer! Josh brings a wealth of experience from leading compliance roles at Visa, Currencycloud, Western Union, and more. With a track record of driving global compliance, navigating complex regulatory landscapes, and championing innovative compliance strategies, Josh is the perfect fit to guide Rail and our clients through our next phase of growth. In addition to Josh's work across multiple global regions, his ability to balance robust compliance with operational efficiency aligns perfectly with Rail's mission to simplify global payments while staying at the forefront of regulatory standards. We know that with the additional of Josh’s expertise and leadership, Rail will continue to set the standard for compliance in the payments industry, building trust and value for our clients and partners around the world. Please join us in celebrating this exciting new chapter as Josh joins the Rail team! 🚀 #NewHire #ComplianceLeadership #Rail #TeamGrowth #payments

"Emerging currencies, tokenized assets, digital currencies aren’t just concepts on the horizon; they are advancing, and they’re gaining regulatory clarity bringing with them both promise and complex challenges." Hear from Rail CRO, Ryan Miller in Payments Dive on what it means for a business to responsibly prepare for a future that includes digital currency, traditional currency, new tokenized assets, and everything in between. Is your business ready for the future of #payments? Let’s talk about how Rail can help you build resilient, adaptable systems that make the most of this dynamic financial landscape. Can't wait to get started! https://lnkd.in/gJE_SjDr #stablecoin #stablecoins #paymentinfrastructure #redundancyasaservice

📰 'Ethereum Surpasses Bank of America Market Cap' 📰 - what does this mean for modern #finance? You may have seen the stat circulating this week that Ethereum’s market cap reached $383B, surpassing Bank of America — a signal of the ongoing shift in modern financial systems. Blockchain technology and digital assets continue to become more ‘mainstream’ and they’re reshaping the core components of finance. For our clients and partners at Rail, this milestone matters because: 1️⃣ Broader Awareness and Acceptance: These positive indicators for tokenized assets reiterate the need to future proof payments infrastructure. Ethereum’s growth signals an increasing #trust and adoption. This makes adjacent blockchain solutions like #stablecoins more relevant and offers greater potential to diversify financial models in the future. 2️⃣ Institutional Adoption: The U.S. SEC is weighing Ethereum-based ETF options, which could open doors for new opportunities and further connectivity between fiat and digital. It’s a step closer to integrating blockchain with traditional financial frameworks, making #compliance and #security top priorities. 3️⃣ Future-Proofing Financial Strategies: With Ethereum now being compared alongside one of America’s largest banks, it’s clear that clients and investors are looking for digital asset strategies that can adapt to these changes. As digital assets reshape finance, Rail is here to help every company that moves money navigate these opportunities, balancing innovation with #stability, #reliability, and compliance. Let's navigate this evolution together. #Fintech #Blockchain #Ethereum #Rail #IndustryNews #PaymentInfrastructure

More growth more hiring! We are looking for exceptional people - be warned we have a high bar - if you think you have what it takes to join us, we'd love to hear from you!