AMINA Bank AG has made a historic move in European banking by becoming the first bank in the region to fully implement Ripple Payments. This Swiss FINMA-regulated crypto bank now offers its global client base near-instant cross-border transfers through Ripple’s licensed infrastructure. The integration marks a major step forward in connecting traditional banking with blockchain technology for faster, more transparent financial transactions.
The partnership addresses long-standing friction points that crypto companies face when dealing with traditional banking networks. By adopting Ripple’s technology, AMINA Bank creates a smooth bridge between blockchain rails and conventional finance. This connection will benefit clients who need to move funds across borders without battling the limitations of legacy banking systems.
Big News: @AMINABankGlobal is the first European bank to go live with Ripple Payments: https://t.co/3cxySxnZeI
— Ripple (@Ripple) December 12, 2025
This partnership provides a crucial, compliant bridge between traditional fiat and blockchain rails, solving a major friction point for crypto-native clients who need…
Bridging the Gap Between Traditional Finance and Digital Assets
For years, crypto-focused businesses have struggled with cross-border payments through conventional banking channels. Most traditional banks lack the capability to process stablecoin transfers at scale, creating a significant bottleneck. AMINA Bank’s Chief Product Officer Myles Harrison highlighted this challenge when explaining the rationale behind their Ripple integration.
“Legacy correspondent banking systems simply were not built for digital assets,” Harrison stated. “Stablecoin transfers create particular friction because most banks do not support them directly.” The new system allows AMINA to route transactions through both fiat and stablecoin channels simultaneously. This dual capability results in faster fund movement, lower costs, and better transparency across borders.
Clients can now execute transfers with fewer intermediaries involved. Additionally, they gain the ability to combine fiat payouts with stablecoin flows such as Ripple USD (RLUSD). The overall result is a smoother experience with greater visibility into fees and transaction status.
Expanding Ripple’s European Presence
This partnership significantly strengthens Ripple’s footprint in Europe at a time when digital asset regulations are becoming clearer. Cassie Craddock, Ripple’s Managing Director for the UK and Europe, described AMINA Bank as an “on-ramp” for digital asset innovators who need access to traditional financial infrastructure.
“This collaboration gives AMINA’s customers access to seamless payouts in multiple currencies,” Craddock explained. She emphasized that Ripple’s licensed technology allows the bank to support payments with RLUSD and other stablecoins alongside traditional fiat transactions. All these functions operate within a compliant, regulated framework.
Ripple Payments already handles more than $95 billion in processed volume and covers over 90% of global FX corridors. The service currently operates in multiple markets including Australia, Brazil, Dubai, Mexico, Singapore, and the United States. With AMINA now active, Ripple extends its reach further into the European banking sector.
Building on Existing Stablecoin Integration
Today’s announcement builds on an established relationship between the two companies. Earlier, AMINA became the world’s first bank to officially support Ripple’s dollar-pegged stablecoin RLUSD for custody and trading services. This initial step positioned AMINA as an early infrastructure provider for institutional clients seeking regulated stablecoin services.
The addition of Ripple Payments effectively connects AMINA’s stablecoin services with a global cross-border payment network. Since RLUSD was already integrated into AMINA’s banking system, extending into Ripple Payments creates a cohesive ecosystem for clients who need both services.
For AMINA Bank, which received its Swiss banking and securities dealer license in 2019, the integration offers a key differentiator in the competitive banking landscape. The bank has since expanded its regulatory approvals to include Abu Dhabi, Hong Kong, and most recently, a MiCA-compliant CASP license in Austria for EU-wide operations.
The Future of Regulated Crypto Banking
AMINA’s integration with Ripple Payments signals a growing acceptance of blockchain technology within regulated banking environments. For cryptocurrency companies expanding globally, partnerships like this become essential infrastructure. The combined approach treats digital assets not as peripheral features but as core components of modern financial services.
Ripple and AMINA aim to establish a new standard for how banks support digital assets. As MiCA and other regulatory frameworks push European financial institutions to define their digital asset strategies, AMINA has secured an early-mover advantage. The bank now offers one of the most advanced crypto-banking technology stacks in Europe.
For clients, the practical benefits include fewer delays, reduced intermediaries, and faster access to liquidity. As the partnership matures, both companies will likely expand their offerings to meet the evolving needs of businesses operating at the intersection of traditional finance and blockchain technology.
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