AMINA Bank Becomes First European Bank to Go Live with Ripple Payments

Published on: December 12, 2025, 11:34 AM EST

AMINA Bank has officially become the first European financial institution to integrate and activate Ripple’s blockchain-based payment infrastructure.

Quick Summary – TLDR:

AMINA Bank is the first European bank to go live with Ripple Payments, connecting blockchain with traditional banking systems.
The move enables faster, lower-cost cross-border payments using Ripple’s RLUSD stablecoin.
This is part of Ripple’s growing push into regulated financial sectors in Europe and globally.
The partnership gives crypto-native businesses better payment infrastructure, blending fiat and blockchain rails.

What Happened?

Swiss-based AMINA Bank, a FINMA-regulated crypto bank, has gone live with Ripple Payments, becoming the first European bank to do so. The partnership allows AMINA clients to make seamless cross-border payments using stablecoins like Ripple USD (RLUSD) while staying fully within a regulated framework. This expansion builds on a relationship between Ripple and AMINA that began earlier this year when the bank integrated custody and trading services for RLUSD.

Big News: @AMINABankGlobal is the first European bank to go live with Ripple Payments: https://t.co/3cxySxnZeI

This partnership provides a crucial, compliant bridge between traditional fiat and blockchain rails, solving a major friction point for crypto-native clients who need…
— Ripple (@Ripple) December 12, 2025

AMINA Bridges Blockchain and Traditional Banking

AMINA Bank’s integration with Ripple Payments connects blockchain settlement systems with traditional financial rails, solving a major challenge for crypto-native businesses. Traditional correspondent banking systems are slow, expensive, and not designed for modern digital assets or stablecoins. This gap often leads to friction, especially for cross-border transactions involving both fiat and digital currencies.

With Ripple’s infrastructure, AMINA can now support payment rails that handle fiat and stablecoins simultaneously, offering clients near-instant settlement with greater reliability and lower costs. This reduces operational complexity and positions the bank as a leader in crypto-fintech innovation.

Myles Harrison, Chief Product Officer at AMINA, emphasized the significance of this integration:

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Our clients need a payment infrastructure that can handle both fiat and stablecoin rails simultaneously, but traditional correspondent banking networks weren’t designed to support this. With Ripple’s support, we are now able to increase our capability significantly, reducing cross-border friction and helping our crypto-native clients maintain their competitive edge.

A Strategic Win for Ripple

For Ripple, the AMINA partnership is a clear example of how its payment network is expanding into the traditional finance sector. Cassie Craddock, Ripple’s Managing Director for the UK and Europe, said the deal helps digital asset innovators connect to the mainstream financial system:

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The collaboration lets AMINA serve as the on-ramp for digital asset innovators into traditional financial infrastructure. Ripple Payments provides a bridge between fiat and blockchain that enables seamless stablecoin payments.

Ripple has invested heavily in building RippleNet, a global payments network with over 300 financial institutions across 40 countries as of late 2025. Although not all partners use XRP directly, many rely on Ripple’s On-Demand Liquidity (ODL) solution which facilitates real-time currency conversion without requiring pre-funded accounts.

Ripple’s global ambitions are gaining traction. The company recently secured regulatory approval from Singapore’s central bank and received acceptance in Abu Dhabi for RLUSD, enabling further growth in the Asia-Pacific and Middle East regions.

Ripple USD (RLUSD) Gains More Traction

The integration gives AMINA’s clients access to Ripple’s RLUSD stablecoin, allowing multi-currency payouts and real-time settlements. This is a step forward in normalizing stablecoin usage within regulated banking environments. The bank previously became the first globally to support RLUSD for custody and trading earlier this year.

With RLUSD’s increasing acceptance and Ripple Payments now live in regions like Australia, Brazil, Dubai, Mexico, Singapore, Switzerland, and the United States, Ripple is making a strong case for mainstream blockchain adoption in financial services.

SQ Magazine’s Takeaway

I think this is a big win not just for Ripple or AMINA, but for the whole idea of merging crypto and traditional banking. This partnership isn’t about hype. It’s about solving real problems like the painful delays and costs in global payments. The fact that AMINA is live and regulated adds serious credibility to blockchain payments. I believe we’re watching the slow but sure transformation of how money moves around the world.