Ripple Secures First European Bank Client for Payments Stack with AMINA

Ripple has onboarded its first European bank customer for its licensed payments platform, with Switzerland-based AMINA Bank adopting Ripple Payments to enable near-real-time cross-border transfers for crypto-native clients, according to a Friday company release.

AMINA, a FINMA-regulated digital asset bank, will leverage Ripple’s infrastructure to connect traditional banking rails with blockchain-based settlement — a persistent challenge for institutions serving stablecoin issuers, crypto firms, and tokenized asset platforms. The move highlights a growing trend among regulated banks to integrate crypto payments as a core business function.

Ripple Payments is an end-to-end system combining messaging, liquidity sourcing, and settlement across both fiat and blockchain networks. Unlike conventional correspondent banking, which relies on multiple intermediaries and batch processing, Ripple enables banks to move value directly, often settling transactions within minutes.

For AMINA, this allows cross-border flows involving fiat currencies and stablecoins — including Ripple’s RLUSD — without routing through multiple correspondent banks or enduring delayed clearing cycles. Licensed in multiple jurisdictions, Ripple Payments provides a regulatory-compliant solution for banks to integrate blockchain settlement while maintaining access to traditional services such as treasury management and fiat liquidity.

Earlier this year, AMINA became the first bank globally to support RLUSD through custody and trading services. The payments integration now extends that relationship to transaction execution, effectively positioning Ripple’s infrastructure as a bridge between regulated banking systems and on-chain settlement — a model increasingly favored for tokenized assets, stablecoin issuance, and cross-border treasury operations.

The partnership strengthens Ripple’s presence in Europe at a time when regulatory clarity is encouraging banks to transition from pilot projects to production-grade blockchain use cases. Ripple’s payments network now covers over 90% of global FX markets by volume, processing more than $95 billion in transactions.