A European Banking First: AMINA’s Ripple Integration Signals a New Phase for Cross-Border Crypto Payments
AMINA becomes Europe’s first regulated bank to integrate Ripple Payments, enabling faster cross-border fiat and stablecoin transfers.
Ripple has taken a significant step toward reshaping digital finance in Europe as AMINA Bank becomes the first regulated institution on the continent to adopt Ripple Payments. The move marks a strategic shift in how banks approach blockchain-enabled transfers and showcases how traditional finance is beginning to integrate real, scalable crypto infrastructure rather than merely experimenting at the edges.
AMINA Bank AG, regulated by FINMA and known for positioning itself as a crypto-forward institution within Switzerland’s banking landscape, announced that Ripple Payments is now fully embedded into its operational framework. The bank’s decision effectively introduces near-instant cross-border transactions for both fiat currencies and stablecoins, offering a level of speed and cost efficiency that standard international payment rails have struggled to achieve.
AMINA’s leadership describes the integration as a response to unresolved frictions faced by Web3-focused businesses. Chief Product Officer Myles Harrison noted that companies operating across borders often encounter slow processing times and limited support for stablecoins when interacting with traditional banks. As he put it, the industry still lacks systems “capable of handling fiat and stablecoins in parallel,” leaving businesses to navigate a patchwork of intermediaries and infrastructure gaps. Ripple’s technology, he said, allows AMINA to remove many of those barriers and provide clients with the unified payment environment they’ve been seeking.
Ripple executives view the development as a milestone in aligning blockchain efficiency with the regulatory reliability of established financial institutions. Cassie Craddock, Ripple’s Managing Director for the UK and Europe, said AMINA’s adoption positions the bank as a practical gateway between crypto innovators and the broader financial system. She emphasized that Ripple’s licensed tools now enable AMINA clients to send assets ranging from Ripple USD (RLUSD) to other supported stablecoins alongside multi-currency fiat transfers, widening the spectrum of cross-border payment options while keeping compliance at the forefront. For Ripple, this partnership illustrates the kind of forward-leaning posture needed for digital assets to gain mainstream traction.
The collaboration also builds on an existing relationship. Earlier in the year, AMINA became the first bank globally to support RLUSD with custody and trading features, signaling early confidence in Ripple’s stablecoin strategy. With today’s expansion, the partnership moves from asset support into full-scale operational utility.
Ripple Payments now services markets representing over 90 percent of global daily foreign-exchange flows and has processed more than $95 billion in transaction volume. The system is active across major regions including Australia, Brazil, Dubai, Mexico, Singapore, Switzerland, and the United States, creating a broad network for institutions seeking alternatives to slower correspondent banking models.
AMINA’s integration reinforces a growing shift: regulated banks are no longer standing on the sidelines of the digital-asset economy. Instead, they are beginning to adopt the infrastructure that underpins it, setting the stage for a more seamless relationship between blockchain and traditional finance.
