Ripple has secured its first European banking customer for its licensed payments stack, with Switzerland-based AMINA Bank adopting Ripple Payments to support near real-time cross-border transfers for crypto-native customers, according to a statement released by the company on Friday.
AMINA, a FINMA-regulated digital asset bank, will use Ripple’s payments infrastructure to bridge traditional banking rails with blockchain-based settlement, a long-standing operational challenge for institutions serving stablecoin issuers, crypto companies, and tokenized asset platforms.
The move marks a shift in how regulated banks approach crypto payments as an integrated business line – infrastructure that must work directly with fiat systems.
Ripple Payments is an end-to-end platform that combines messaging, liquidity provisioning and settlement across fiat and blockchain rails.
Unlike correspondent banking networks, which rely on multiple intermediaries and batch settlement, Ripple’s system allows banks to transfer 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.
A key distinction is that Ripple Payments is licensed in multiple jurisdictions, allowing banks to integrate blockchain settlement without stepping outside of regulatory frameworks.
For AMINA, this provides a compliant way to serve customers who operate natively on-chain but still need access to traditional banking services such as treasury management and fiat liquidity.
Earlier this year, AMINA became the first bank in the world to support Ripple’s US dollar stablecoin, RLUSD, by offering custody and trading services. Payments integration extends this relationship from asset support to transaction execution.
Indeed, AMINA uses Ripple’s infrastructure as a connecting layer 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 experimentation to production-level blockchain use cases.
The company said in the release that its payments network now covers more than 90% of the global foreign exchange markets by volume, processing more than $95 billion in transactions.
