AMINA Bank First European Bank Live with Ripple Payments

A Swiss-regulated crypto bank has become the first in Europe to go live with Ripple’s licensed payments technology. This marks another step in the convergence of blockchain rails and traditional banking infrastructure.

Ripple said AMINA Bank AG has integrated Ripple Payments to support near-real-time cross-border transactions for its clients. This expands a relationship between the two firms that has steadily deepened over the past year.

Bridging Blockchain and Bank Rails

AMINA Bank is regulated by the Swiss Financial Market Supervisory Authority. Additionally, it operates as a full-service crypto bank serving both digital asset native firms and traditional financial institutions.

By adopting Ripple Payments, the bank aims to reduce the friction that often arises when funds move between blockchain-based systems and traditional banking networks.

Ripple Payments helps institutions to send and settle payments across borders without relying solely on legacy infrastructure. For AMINA Bank’s clients, this means faster settlement, lower costs, and greater transparency when moving funds across fiat and stablecoin rails.

Executives at AMINA Bank said the integration addresses a persistent gap faced by web3 businesses, particularly those operating with stablecoins in multiple jurisdictions.

Focus on Stablecoins and Real-Time Settlement

Ripple is a financial technology company that provides blockchain-based solutions for payments, custody, and prime brokerage services. Its payment network spans more than 90% of daily foreign exchange markets and has processed over $95 billion in volume, according to the company.

The partnership allows AMINA Bank’s clients to access payments using Ripple USD and other stablecoins, while also enabling rapid payouts in multiple currencies. Ripple USD is the company’s regulated stablecoin, designed for enterprise and institutional use.

The move builds on earlier collaboration between the firms. AMINA Bank became the first bank globally to support Ripple USD earlier this year, offering custody and trading services tied to the token.

Expanding Europe’s Crypto Banking Landscape

AMINA Bank was founded in 2018 and has steadily expanded its regulatory footprint. Beyond Switzerland, the bank operates under approvals in Abu Dhabi and Hong Kong, and recently secured authorization in Austria under the European Union’s Markets in Crypto Assets framework.

For Ripple, the launch reinforces its push into regulated markets as banks look for compliant ways to integrate blockchain technology into existing operations.

The development comes as European financial institutions increasingly explore digital asset infrastructure, following clearer regulatory pathways and growing client demand for faster cross-border settlement options.

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