December 12, 2025 - Ripple announced that AMINA Bank AG, a fully licensed Swiss crypto bank regulated by FINMA, has become the first bank in Europe to integrate Ripple Payments, Ripple’s enterprise-grade, licensed end-to-end cross-border payments solution.

The partnership marks a major milestone for institutional adoption of blockchain-based payments on the continent.

The integration allows AMINA Bank’s crypto-native clients — including web3 businesses, digital asset funds, and traditional institutions active in crypto — to execute near real-time cross-border payments and stablecoin transactions while seamlessly bridging traditional banking rails and blockchain infrastructure.

“Native web3 businesses often run into friction when working with legacy banking systems, especially for cross-border stablecoin transactions that most traditional banks still don’t support,” said Myles Harrison, Chief Product Officer at AMINA Bank.

“With Ripple Payments, we can now handle both fiat and stablecoin rails simultaneously, dramatically reducing friction and costs for our clients.”

Cassie Craddock, Managing Director for UK & Europe at Ripple, added: “AMINA Bank is the perfect on-ramp for digital asset innovators into traditional finance. Through our licensed technology, we’re providing a secure and compliant bridge that enables seamless payouts in multiple currencies and the use of stablecoins, including Ripple USD (RLUSD).”

The partnership builds on an existing relationship: earlier this year, AMINA Bank became the first bank globally to offer custody and trading services for Ripple’s newly launched stablecoin, RLUSD.

Ripple Payments now covers more than 90% of daily FX market volume and has processed over $95 billion in transaction volume to date. The licensed solution is currently available in the United States, Australia, Brazil, Mexico, Singapore, Dubai, Switzerland, and other select markets.