Ripple has acquired its first European bank client for its licensed payment system. The Swiss-based AMINA Bank has embraced Ripple Payments as a way of facilitatingRipple has acquired its first European bank client for its licensed payment system. The Swiss-based AMINA Bank has embraced Ripple Payments as a way of facilitating

Ripple Payments Secures First European Bank Client With AMINA Bank

2025/12/13 05:00
  • Ripple partners with AMINA Bank to enable real-time cross-border payments for crypto clients.
  • AMINA Bank integrates Ripple Payments to bridge traditional banking and blockchain settlement.
  • Cross-border payments are now faster and more efficient, eliminating delays and reducing costs.

Ripple has acquired its first European bank client for its licensed payment system. The Swiss-based AMINA Bank has embraced Ripple Payments as a way of facilitating close real-time cross-border payments, according to a company announcement.

The service is focused on crypto-native customers that demand quick payment settlement and legal regulation. The deal represents a step towards regulated European banking by Ripple.

AMINA bank is a FINMA-approved digital asset bank based in Switzerland. It caters to clients involved in cryptocurrencies, stablecoins, and tokenized assets. With the new integration, AMINA will deploy the infrastructure of Ripple to bridge traditional banking rails to blockchain settlement. This relationship overcomes a long-standing institutional problem of regulated institutions.

Banks that facilitate on-chain companies usually find it hard to connect fiat structures with blockchain settlement. Most of them depend on complicated workarounds or third parties. Ripple Payments would eliminate that friction. It enables controlled banks to incorporate blockchain reform into their system.

The relocation is also an indication of a larger change in the banking industry. Crypto payments are no longer in the experimental phase in regulated banks. Rather, they are developing them as combined business lines. These systems have to work with the fiat liquidity, treasury operations, and compliance mechanisms.

https://twitter.com/Ripple/status/1999405005552423109

Ripple Payments Cuts Settlement Delays in Traditional Banking

Ripple Payments is an end-to-end platform. It integrates payment messaging, liquidity sourcing, and settlement. The system allows both fiat and blockchain networks over one infrastructure. This framework makes banks’ operations less complicated.

Conventional correspondent banking is based on several intermediaries and batch settlement. Such a process is prone to delays and increased costs. The system of the company enables value movement between institutions. A large number of transactions can be completed in a few minutes instead of days.

Also Read: Ripple Custody Delivers Next-Generation Security for Tokenized Finance

In the case of AMINA, it will allow cross-border payments with fiat currencies and stablecoins. This involves the US dollar stablecoin by Ripple, RLUSD. It allows transactions to be done without having to pass through several correspondent banks. There is also a reduction in clearing delays associated with legacy systems.

Regulatory Licensing Enables Ripple Payments

The partnership heavily relies on licensing. Ripple Payments has a certificate of incorporation with various jurisdictions. This enables the use of blockchain settlement by banks that do not need to leave the regulatory frameworks. In the case of AMINA, compliance with regulations is a fundamental necessity.

The integration is based on an existing relationship between the two companies. AMINA was the first bank in the world to promote RLUSD, which occurred earlier this year. It provided exchange and custody services for stablecoins. The new deal brings that cooperation to the execution of transactions.

The firm infrastructure is now employed as a connecting layer by AMINA. It connects regulated banking systems to settlement through the on-chain. The model is empowering momentum in institutional organizations investigating tokenized assets, issuing stablecoins, and transnational treasury practices.

The company said that its payments network had reached over 90% of the global foreign exchange markets in volume. More than $95 billion in transactions have been processed in the company. These values underscore the increased presence of the firm in institutional cross-border payments in regulated markets.

Also Read: Solana Expands DeFi Ecosystem with XRP Integration and wXRP Launch

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