Ripple has secured its first European banking customer for its licensed payments stack, with Swiss-based AMINA Bank adopting Ripple Payments to support near-real-time cross-border transfers for crypto-native customers, according to a Friday announcement from the company.
AMINA, a FINMA-regulated digital asset bank, will use Ripple’s payment infrastructure to bridge traditional banking barriers with blockchain-based settlement, a long-standing operational challenge for institutions servicing stablecoin issuers, crypto firms and tokenized asset platforms.
The move signals a shift in how regulated banks approach crypto payments as an integrated line of business — infrastructure to work directly with fiat systems.
Ripple Payments is an end-to-end platform that combines messaging, liquidity provision and settlement across both fiat and blockchain rails.
Unlike correspondent banking networks that rely on multiple intermediaries and batch settlement, Ripple’s system allows banks to move value directly, often settling transactions within minutes.
In practical terms, this means that AMINA can process cross-border flows involving fiat currencies and stablecoins, including Ripple’s own RLUSD, without routing payments through multiple correspondent banks or relying on delayed clearing cycles.
An important distinction is that Ripple Payments is licensed in multiple jurisdictions, allowing banks to integrate blockchain settlement without stepping outside the regulatory framework.
For AMINA, this provides a compatible way to serve customers who operate on-chain but still require access to traditional banking services such as treasury management and fiat liquidity.
Earlier this year, AMINA became the first bank globally to support Ripple’s US dollar stablecoin, RLUSD, by offering custody and trading services. The payment integration extends this relationship from asset support to transaction execution.
In effect, AMINA uses Ripple’s infrastructure as a link between regulated banking systems and on-chain settlement, a model increasingly favored by institutions exploring tokenized assets, stablecoin issuance and cross-border treasury operations.
The partnership potentially strengthens Ripple’s positioning in Europe at a time when regulatory clarity is pushing banks to move from experiments to production-grade blockchain use cases.
The company said in the release that its payments network now covers over 90% of global foreign exchange markets by volume, processing more than $95 billion in transactions.
