'The Rip' ending explained: What happens in the Matt Damon and Ben Affleck Netflix movie?

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Matt Damon and Ben Affleck are serving, defending, and possibly stealing drug cash in The Rip, the brand new Netflix motion film that started streaming as we speak.

Written and directed by Joe Carnahan (The Gray, Boss Stage), The Rip co-stars Damon and Affleck as two Miami cops, grieving the current homicide of their police captain. However once they uncover an enormous stash of cash in a home—the type of cash that might soiled up even the cleanest of cops—they've greater issues to fret about.

Along with Matt and Ben, The Rip solid consists of Steven Yeun, Teyana Taylor, Sasha Calle, Catalina Sandino Moreno, Scott Adkins, Kyle Chandler, Néstor Carbonell, and Lina Esco. The movie was impressed by an actual Miami cop, Chris Casiano, a buddy of Carnahan’s, who as soon as encountered an enormous sum cash stashed in a home, whereas supervising a tactical narcotics squad in Miami.

As a result of Carnahan had entry to the actual deal, the film offers with actual police protocol. At instances, that may be complicated. Fortunate for you, Decider is right here to assist. Learn on for a breakdown of The Rip film plot abstract and The Rip film ending defined, together with who's the soiled cop in The Rip.

Warning: Main The Rip spoilers forward. Duh!

<img style="aspect-ratio:1.49926794;display:block" width="885" height="590" alt="THE RIP, from left: Ben Affleck, Matt Damon, 2026. " class="wp-image-2028126 lazyload" srcset="https://decider.com/wp-content/uploads/2026/01/the-rip-ending-explained-2.jpg?quality=75&strip=all&w=300 300w, https://decider.com/wp-content/uploads/2026/01/the-rip-ending-explained-2.jpg?quality=75&strip=all&w=640 640w, https://decider.com/wp-content/uploads/2026/01/the-rip-ending-explained-2.jpg?quality=75&strip=all&w=1280 1280w, https://decider.com/wp-content/uploads/2026/01/the-rip-ending-explained-2.jpg?quality=75&strip=all&w=1024 1024w, https://decider.com/wp-content/uploads/2026/01/the-rip-ending-explained-2.jpg?quality=75&strip=all&w=1284 1284w" data-sizes="(max-width: 640px) 100vw, 1024px"/> Picture: ©Netflix/Courtesy Everett Assortment

The Rip film plot abstract:

The film begins with a Miami police Lieutenant, Dane Dumars (Matt Damon), and his workforce being interrogated concerning the current demise of their captain, Jackie Velez (Lina Esco). We see by way of flashback that, simply earlier than her demise, Jackie was on the telephone with a panicked lady. Jackie advised the girl she was coming to assist her, and to not belief any cops moreover her. However earlier than Jackie reaches her vacation spot, she is shot and killed by two masked gunmen. Earlier than she died, she managed to fireside off one final textual content.

Again within the present-day, the FBI are investigating Jackie’s demise. They think she could have been murdered by certainly one of her workforce members, the TNT, aka the Tactical Narcotics Workforce. Most of TNT’s job revolves round confiscating medicine and money. The FBI brokers suspect that a number of the cops are soiled, and stealing money for themselves. They query Detective Sergeant JD Byrne (Ben Affleck) about his romantic relationship with Jackie, implying that she might need been a unclean cop. JD doesn’t like this, and assaults the FBI agent for saying it. Don’t fear, it seems the agent is JD’s youthful brother (Scott Adkins). So it’s high quality to beat him up!

Dane and JD are outdated buddies, though lately Dane bought a promotion that JD was after, which makes him JD’s boss. However JD insists it’s high quality. The 2 appear to be on the identical web page, and are pissed off that the FBI appears no nearer to fixing Jackie’s homicide. JD says if he was answerable for the investigation, he would “throw chum within the water” and “yank the road” and “see what involves the floor.” Dane agrees.

<img style="aspect-ratio:1.49926794;display:block" width="885" height="590" alt="THE RIP, from left: Kyle Chandler, Ben Affleck, Steven Yeun, Teyana Taylor, Catalina Sandino Moreno, 2026" class="wp-image-2028163 lazyload" srcset="https://decider.com/wp-content/uploads/2026/01/the-rip-movie-explained.jpg?quality=75&strip=all&w=300 300w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-explained.jpg?quality=75&strip=all&w=640 640w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-explained.jpg?quality=75&strip=all&w=1280 1280w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-explained.jpg?quality=75&strip=all&w=1024 1024w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-explained.jpg?quality=75&strip=all&w=1284 1284w" data-sizes="(max-width: 640px) 100vw, 1024px"/> Picture: Claire Folger / © Netflix / Courtesy Everett Assortment

Later that day, Dane reads a textual content from an unknown quantity that claims, “Stash Home in Hilaleah-CARTEL massive $$$ 23342 eleventh Av.” Quickly after, he gathers his time for an “further credit score” tour on the finish of the day. (No time beyond regulation!) He says he obtained a “Crimestopper” tip a few “rip” in Hilaleah. Principally, meaning an nameless tipster referred to as the police to report a stash of unlawful money.

Dane tells every of his workforce members a unique quantity, when requested how a lot cash is within the stash. He tells Detective Numa Baptiste (Teyana Taylor) $250,000. He tells Detective Mike Ro (Steven Yeun) $150,000. He tells Detective Lolo Salazar (Catalina Sandino Moreno) $75,000. And he tells JD (Affleck) $300,000.

The police are greeted on the home by a girl named Desi (Sasha Calle), who reluctantly lets them inside to seek for medicine. What Desi doesn’t know is that the police canine they introduced with them is definitely skilled to smell out money, not medicine. With the canine’s assist, the detectives uncover what seems to be tens of thousands and thousands of {dollars}, money, stashed in the home’s attic.

<img style="aspect-ratio:1.49926794;display:block" width="885" height="590" alt="THE RIP, from left: Steven Yeun, Sasha Calle, 2026." class="wp-image-2028180 lazyload" srcset="https://decider.com/wp-content/uploads/2026/01/the-rip-movie5.jpg?quality=75&strip=all&w=300 300w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie5.jpg?quality=75&strip=all&w=640 640w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie5.jpg?quality=75&strip=all&w=1280 1280w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie5.jpg?quality=75&strip=all&w=1024 1024w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie5.jpg?quality=75&strip=all&w=1284 1284w" data-sizes="(max-width: 640px) 100vw, 1024px"/> Picture: Claire Folger / © Netflix / Courtesy Everett Assortment

Provided that the stash of cash is so obscenely massive, Lieutenant Dane realizes they don’t have lengthy earlier than somebody—whether or not the cartel or soiled cops—exhibits as much as intervene with the police. JD needs to maneuver the cash to safe location to rely it, however Dane insists they observe protocol, which requires officers to rely the cash on the location the place they seize it. Dane doesn’t to provide the FBI any purpose to accuse his workforce of corruption. He additionally insists on gathering all of his workforce member’s telephones… aside from the telephone of his finest bud JD. Aww! He trusts him!

Curiously, nevertheless, Dane doesn't name in to report the cash to the Main, which can also be protocol. Hmm. Dane instructs his workforce to rely the cash within the storage, the place they are going to have higher protection for gunfire. Desi appears sure individuals are coming to kill them, and advises them to only take no matter cash they need and flee. Certain sufficient, somebody calls the home (which, for some purpose, nonetheless has a landline? Possibly it’s a cartel factor!). JD solutions, and the particular person on the opposite finish warns him that he has half-hour to go away the home. “Simply do your job and take the cash that was purported to be there,” the voice says. “Nobody must die over $150,000.”

JD is livid at Dane, who advised him the tip was for $300k not $150k. He's suspicious that Dane lied him. However Dane is extra all in favour of the truth that the voice stated 150. JD calls for to see the crime stopper tip, and Dane says he doesn’t have it. Suspicious, JD calls up his buddy Matty, a DEA agent (Kyle Chandler). He tells Matty about the home, the cash, and Dane’s bizarre conduct. Matty insists that Dane have to be making an attempt to steal the cash. He factors to the truth that Dane’s 10-year-old son lately died of most cancers, his spouse left him, and he’s in medical debt. He additionally implies that maybe Dane and Jackie have been each corrupt, and dealing collectively, however that one thing went sideways, so Dane killed Jackie.

<img style="aspect-ratio:1.49926794;display:block" width="885" height="590" alt="THE RIP, Kyle Chandler, 2026." class="wp-image-2028195 lazyload" srcset="https://decider.com/wp-content/uploads/2026/01/the-rip-movie-6.jpg?quality=75&strip=all&w=300 300w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-6.jpg?quality=75&strip=all&w=640 640w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-6.jpg?quality=75&strip=all&w=1280 1280w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-6.jpg?quality=75&strip=all&w=1024 1024w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-6.jpg?quality=75&strip=all&w=1284 1284w" data-sizes="(max-width: 640px) 100vw, 1024px"/> Picture: Warrick Web page / © Netflix / Courtesy Everett Assortment

JD needs to name his FBI agent brother, however Matty says no must contain the feds! Matty guarantees to return assist JD himself. Dane is, in actual fact, appearing extraordinarily suspicious. Desi overhears him speaking to Detective Baptiste and Detective Salazar, saying they must hold this quiet, however they're all going to receives a commission and make some cash. She then overhears him on the telephone with the main, calling within the rip, which he claims is simply $150,000, somewhat than thousands and thousands of {dollars}.

In the meantime, exterior, Detective Ro factors out to JD that, down the road, one of many home’s lights is flickering in a sample. JD realizes it’s morse code for “pigs,” which means somebody is aware of they're there. JD goes to analyze the home on his personal. Ro—who has been texting a mysterious somebody on his burner telephone—goes inside to report this to Dane, the place he’s stopped by Desi. Desi—who, it’s revealed, has labored with the cops as an informant up to now—tells Ro every little thing she overheard from Dane. She thinks Dane goes to steal the cash, and begs Ro to name somebody they'll belief. Ro believes her.

Whereas investigating the home with the flickering gentle, JD will get a textual content from Matty that there was by no means any Crimestopper tip. One other lie from Dane! Somebody comes up behind JD with a gun pointed at his head, however we don’t see who. Quickly after, the TNT are attacked by gunfire. After the massive combat, JD comes out of the home with man from the drug cartel. The cartel man will get his boss on the telephone. The cartel insists they don’t use these home to stash cash anymore, and so they weren't those to assault the police detectives. So who did?

Again within the storage, Detective Baptiste and Detective Salazar have completed their rely. They offer a quantity to Dane. When Dane and JD inform them what the cartel stated—that they don’t need the cash, as a result of they don’t need any extra high-profile cop deaths—it looks as if Dane goes to observe by means of on his plan to convey $150k to the station, and hold the remainder for himself, Detective Baptiste, and Detective Salazar. JD calls up his buddy Matty to inform him that Dane is about to steal the rip, and to recover from right here with backup ASAP. Matty says he can’t convey backup as a result of he can’t afford the time beyond regulation, however that he'll come, simply him.

So, Matty exhibits up in an armored car. Dane, JD, and Ro load the cash onto the truck. Dane orders Detective Baptiste and Detective Salazar to remain behind, seemingly reducing them out of the deal.

<img style="aspect-ratio:1.49926794;display:block" width="885" height="590" alt="THE RIP, from left: Steven Yeun, Matt Damon, Ben Affleck, Kyle Chandler, 2026" class="wp-image-2028236 lazyload" srcset="https://decider.com/wp-content/uploads/2026/01/the-rip-movie-explained-5.jpg?quality=75&strip=all&w=300 300w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-explained-5.jpg?quality=75&strip=all&w=640 640w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-explained-5.jpg?quality=75&strip=all&w=1280 1280w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-explained-5.jpg?quality=75&strip=all&w=1024 1024w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-explained-5.jpg?quality=75&strip=all&w=1284 1284w" data-sizes="(max-width: 640px) 100vw, 1024px"/> Picture: Claire Folger / © Netflix / Courtesy Everett Assortment

The Rip film ending defined:

On the truck, Ro accuses Dane of making an attempt to steal the rip. He reveals Desi advised him she overheard Dane’s plans. Dane reveals he by no means supposed to steal the rip, he simply placed on a little bit present for Desi, in order that she would report again to Ro. In a flashback, we see that Dane winked and gestured at Detective Baptiste and Detective Salazar, to let him know what he was doing. None of them truly supposed to steal the cash.

Dane did this as a result of he wished Ro to consider that he was going to steal the cash, in order that Ro would panic and reveal his hand. Dane knew Ro was behind the threatening telephone name, as a result of he was the one one who was advised that the Crimestopper tip was for $150k, which is what the threatening voice on the decision stated.

JD was in on this plan, too, although not at first. Dane explains that he wanted JD to sincerely suspect him, in order that the opposite officers would, too. However after he realized Ro was a part of the “heist workforce” that steals cash from crime scenes, he crammed JD in on every little thing. Sure, Dane admits, there was no Crimestopper tip. There was, nevertheless, a textual content message from Jackie on the night time she died: “Stash Home in Hilaleah-CARTEL massive $$$ 23342 eleventh Av.”

<img style="aspect-ratio:1.49926794;display:block" width="885" height="590" alt="THE RIP, from left: Steven Yeun, Teyana Taylor, 2026." class="wp-image-2028241 lazyload" srcset="https://decider.com/wp-content/uploads/2026/01/the-rip-56.jpg?quality=75&strip=all&w=300 300w, https://decider.com/wp-content/uploads/2026/01/the-rip-56.jpg?quality=75&strip=all&w=640 640w, https://decider.com/wp-content/uploads/2026/01/the-rip-56.jpg?quality=75&strip=all&w=1280 1280w, https://decider.com/wp-content/uploads/2026/01/the-rip-56.jpg?quality=75&strip=all&w=1024 1024w, https://decider.com/wp-content/uploads/2026/01/the-rip-56.jpg?quality=75&strip=all&w=1284 1284w" data-sizes="(max-width: 640px) 100vw, 1024px"/> Picture: Warrick Web page / © Netflix / Courtesy Everett Assortment

Jackie wasn’t a unclean cop, she was looking for the soiled cops. She was utilizing the $20 million as bait, hoping to catch the “heist workforce” within the act. However the soiled cops knew she was onto them, and killed her.

So, Dane lied concerning the Crimestopper tip to get all his suspects to the home with the cash, to see if the one that killed Jackie would make a mistake. That’s precisely what JD stated he would do, by placing “chum within the water,” firstly of the film. Dane now is aware of Ro was one of many heist members, however he wasn’t positive who Ro was working with… till Matty confirmed up, alone, to the rip, to “assist.”

Matty denies his involvement, however Ro outs him by re-dialing the final outgoing name on his burner telephone (which JD stole from him throughout his staged combat with Dane). Caught out, Matty assaults, and it’s revealed he and Ro have been the gunman firstly of the movie, who shot down Jackie.

Whereas Matty holds JD and Dane at gunpoint, JD will get a telephone name, which he places on speaker. It’s his brother, the FBI agent. You understand, the one Matty didn’t need him to name? Yep, the feds have the truck surrounded. Matty and Ro are screwed! Matty tries to make a take care of JD and Dane, responsible all of it on Ro and the driving force. However he’s forgetting he’s on speakerphone with the literal FBI.

In a single final act of desperation, Matty and Ro flee with the baggage of cash. Matty takes a bag and runs a technique, whereas Ro takes a bag and runs the opposite. JD catches Matty, and, when Matty tries to shoot, kills him. Dane catches Ro, and arrests him. Each JD and Dane reveal that neither of the baggage have cash in them, solely telephone books.

We then see a shot of Detective Baptiste, Detective Salazar, and Desi driving away with the buckets of cash, laughing. Wait, what?

<img style="aspect-ratio:1.49926794;display:block" width="885" height="590" alt="THE RIP, from left: Catalina Sandino Moreno, Teyana Taylor, 2026" class="wp-image-2028247 lazyload" srcset="https://decider.com/wp-content/uploads/2026/01/the-rip-movie-7.jpg?quality=75&strip=all&w=300 300w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-7.jpg?quality=75&strip=all&w=640 640w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-7.jpg?quality=75&strip=all&w=1280 1280w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-7.jpg?quality=75&strip=all&w=1024 1024w, https://decider.com/wp-content/uploads/2026/01/the-rip-movie-7.jpg?quality=75&strip=all&w=1284 1284w" data-sizes="(max-width: 640px) 100vw, 1024px"/> Picture: Claire Folger / © Netflix / Courtesy Everett Assortment

Who's a unclean cop in The Rip film?

The soiled cops in The Rip film are Ro and Matty, aka Steven Yeun and Kyle Chandler. It might sound for a sizzling minute there that Detective Baptiste and Detective Salazar have been soiled cops who get away with the cash the top. But it surely seems, they have been simply driving the film over to show it into the correct authorities. When the DEA counts the cash, they discover not a single penny lacking from the rely that the TNT got here up with on the home. Yay! They’re good cops who didn’t steal! And for her half in serving to them, Desi will get to maintain a number of the seized cash.

Within the final scene of the film, finest buddies without end JD and Dane watch the dawn over a Miami seashore, in honor of one thing Jackie used to say, “Stay to see one other dawn.” Whereas they keep in mind her, they discover a little bit woman dancing within the sand. The woman’s mother requires her, revealing her title to be Jackie. JD and Dane marvel at this coincidence. Or possibly it’s not a coincidence in any respect, however somewhat, an indication from Jackie from the afterlife. In any case, she believed in stuff like that!