Ripple, a financial technology company known for its crypto solutions, has announced a new partnership with AMINA Bank AG to facilitate near real-time cross-border payments. This collaboration marks AMINA Bank as the first European bank to adopt Ripple’s licensed end-to-end payments solution, Ripple Payments.

AMINA Bank, regulated by the Swiss Financial Market Supervisory Authority (FINMA), aims to address the challenges faced by crypto-native clients in accessing traditional banking infrastructure. By integrating Ripple’s payments infrastructure, AMINA Bank seeks to reduce the friction between blockchain operations and traditional banking systems. This integration will allow clients to move funds seamlessly, settling transactions more efficiently without relying on conventional payment infrastructure, thus enhancing speed, cost-effectiveness, and transparency.

Enhancing Cross-Border Transactions

Myles Harrison, Chief Product Officer at AMINA Bank, highlighted the difficulties faced by web3 businesses when interacting with legacy banking systems, particularly in cross-border stablecoin transactions. Traditional banks have yet to widely adopt stablecoin rails, creating a need for infrastructure that can handle both fiat and stablecoin transactions simultaneously. Harrison noted that Ripple’s support significantly enhances AMINA Bank’s capabilities, reducing cross-border friction and helping crypto-native clients maintain their competitive edge.

The partnership underscores AMINA Bank’s commitment to leveraging cutting-edge technology to expand its core banking services. This move enables the bank to better serve both crypto-native companies and traditional financial institutions that have embraced cryptocurrency.

Ripple’s Role in Bridging Fiat and Blockchain

Cassie Craddock, Managing Director for the UK & Europe at Ripple, emphasized the partnership’s role in providing a crucial bridge between fiat and blockchain rails. Through Ripple’s licensed payments technology, AMINA Bank’s clients gain access to seamless payments using Ripple USD (RLUSD ($1.00)) and other stablecoins, along with the ability to make rapid payouts in multiple currencies. Craddock praised AMINA Bank’s forward-thinking approach, which is essential for advancing the wider adoption of digital asset technology.

This collaboration extends the existing relationship between Ripple and AMINA Bank, which previously saw AMINA Bank become the first bank globally to support RLUSD. Ripple Payments, known for its secure and reliable payment rails, boasts expansive global coverage, representing over 90% of daily FX markets and processing more than $95 billion in volume. The licensed payments solution is available in several countries, including Australia, Brazil, Dubai, Mexico, Singapore, Switzerland, and the U.S.

For more details, the announcement can be found here.

Why This Matters: Impact, Industry Trends & Expert Insights

Ripple’s partnership with AMINA Bank marks the first adoption of its licensed payments solution by a European bank, aiming to enhance cross-border payment efficiency and reduce friction between blockchain and traditional banking systems.

Recent industry reports indicate that real-time payments and interoperability are surging, driven by initiatives like the ECB’s digital euro and ISO 20022 transitions. This aligns with AMINA Bank’s integration of Ripple’s technology, which aims to provide seamless cross-border transactions.

According to DAS Research, Ripple’s On-Demand Liquidity processed about $1.3 billion in payments in Q2 2025, highlighting its growing role in global payment infrastructure. This supports the significance of AMINA Bank’s adoption of Ripple’s solution, potentially enhancing its cross-border transaction capabilities.

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