Ripple secured its first European banking client for its payments platform through a new partnership with AMINA Bank, a Swiss FINMA-regulated institution. The agreement enables AMINA Bank to use Ripple Payments for near real time cross-border settlement, targeting the infrastructure challenges that crypto-native firms face when interacting with traditional banking systems.
AMINA Bank, which serves a global client base, is integrating Ripple’s licensed payments technology to reduce friction between blockchain activity and conventional settlement rails. According to the companies, the integration will allow AMINA’s clients to streamline fund movement, lower transaction costs, and increase reliability and transparency without depending fully on correspondent banking networks.
Addressing Cross-Border Friction for Crypto Clients
AMINA Bank said many web3 businesses continue to encounter delays and inefficiencies, particularly with stablecoin transfers, which most banks have not yet adopted at scale. Ripple’s system is designed to support both fiat and stablecoin payouts, including Ripple USD (RLUSD), giving AMINA clients access to faster settlement across multiple currencies.
Ripple noted that the partnership extends existing work with AMINA, which earlier this year became the first bank to support custody and trading services for RLUSD. The company said its payments solution now covers more than 90 percent of daily FX markets and has processed over $95 billion in volume across jurisdictions including Australia, Brazil, Mexico, Singapore, Switzerland, Dubai, and the US.
Strengthening Digital Asset Infrastructure in Europe
The agreement comes as European regulators advance digital asset frameworks, including MiCAR, which has driven more institutions to seek compliant infrastructure providers. AMINA Bank, active across Switzerland, Abu Dhabi, Hong Kong, and Austria, has positioned itself as a regulated bridge between digital assets and traditional finance systems.
Ripple said the partnership reflects broader demand for institutional-grade payments infrastructure that can support multi-asset settlement and enhance operational efficiency for both fintech firms and traditional financial institutions.
“Our partnership with AMINA Bank enables them to serve as the on-ramp for digital asset innovators into traditional financial infrastructure. AMINA Bank embodies the forward-thinking approach needed to advance wider adoption of digital assets technology and we’re proud to support them in serving their clients with the most secure, resilient and compliant digital asset technology on the market,” commented Cassie Craddock, Managing Director, UK & Europe at Ripple.
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