Ripple has secured its first European banking customer for its licensed payments stack, and Switzerland-based AMINA Bank adopted Ripple Payments to support near-real-time cross-border transfers for crypto-native customers, according to a Friday statement from the company.
AMINA, a FINMA-regulated digital asset bank, will use Ripple’s payments infrastructure to bridge traditional banking barriers with blockchain-based settlement, a long-standing operational challenge for institutions serving stablecoin issuers, crypto companies, and tokenized asset platforms.
The move signals a shift in how regulated banks approach crypto payments as an integrated line of business – an infrastructure that needs to work directly with fiat systems.
Ripple Payments is an end-to-end platform that combines messaging, liquidity sourcing, and settlement via fiat and blockchain.
Unlike correspondent banking networks, which rely on multiple intermediaries and batch settlement, Ripple’s system allows banks to move value directly, often settling transactions in a matter of minutes.
In practical terms, this means 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 going outside regulatory frameworks.
For AMINA, this provides a compatible way to serve clients who operate natively 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, offering custody and trading services. Payment integration extends that relationship from asset support to transaction execution.
In fact, AMINA is using 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-grade blockchain use cases.
The company said in the statement that its payments network now covers more than 90% of global currency markets by volume, processing more than $95 billion in transactions.
