Ripple has achieved an important milestone in Europe. AMINA Bank, a regulated Swiss crypto bank, is now the first European bank to officially implement Ripple Payments. This marks a new step in connecting traditional banking infrastructure with blockchain rails. The partnership offers crypto-native customers an easier way to move funds across borders without having to fight the usual frictions of legacy banking systems. Ripple announced the integration highlighting that this builds on AMINA’s previous adoption of Ripple’s stablecoin, RLUSD.
A new bridge between Fiat and Blockchain
For years, crypto companies have had difficulty working with traditional banking networks. Especially when sending stablecoins or handling global agreements. AMINA Bank claims that the gap has now narrowed. Myles Harrison, chief product officer at AMINA, explained that legacy correspondent banking systems were simply not designed for digital assets. Stablecoin transfers, in particular, create friction because most banks do not support them.
Big news: @AMINABankGlobal is the first European bank to implement Ripple Payments: https://t.co/3cxySxnZeI
This partnership provides a crucial and compatible bridge between traditional fiat and blockchain rails, solving a major friction point for crypto-native customers who need…– Ripple (@Ripple) December 12, 2025
Ripple Payments changes this. By connecting directly to Ripple’s permissioned infrastructure, AMINA can now route transactions through fiat and stable channels at the same time. Funds move faster. Costs go down. Transparency improves and reliability increases, even across borders. Harrison said this upgrade gives AMINA clients a real competitive advantage at a time when web3 businesses are expanding globally.
Ripple deepens its role in boosting crypto banking in Europe
Ripple sees the partnership as part of its broader strategy to mature digital asset payments around the world. Cassie Craddock, CEO of Ripple for the UK and Europe. He said AMINA is now acting as an “on-ramp” for innovators who need access to traditional financial infrastructure.
He emphasized that Ripple’s technology helps banks support payments in multiple currencies. RLUSD transactions and stablecoin-based operations, all within a licensed and compliant framework. Ripple Payments already handles over $95 billion in processed volume and covers over 90% of global forex brokers. With AMINA now available, Ripple’s footprint in Europe deepens even further. Especially as MiCA regulations create clearer paths for licensed digital asset activity.
Why is this partnership important?
AMINA Bank has grown rapidly since receiving its FINMA banking license in 2019. This year, it added regulatory approvals in Hong Kong and the EU under MiCA. The Ripple integration now overlays the payments infrastructure on top of those licenses. This gives AMINA one of the most advanced crypto banking stacks in Europe. For Ripple, the victory shows how its technology can sit within a regulated bank without compromising compliance or reliability.
Additionally, for AMINA clients, it means fewer delays, fewer intermediaries and faster access to liquidity. As crypto companies expand beyond borders, partnerships like this become essential. Specifically, Ripple and AMINA now aim to set a new standard for how banks support digital assets, treating them not as a secondary feature. But as a central part of modern financial services.
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