Ripple Payments Lands First European Bank Client: AMINA Bank Deal Signals Major Institutional Adoption
Ripple just scored a landmark win in Europe. Its payments infrastructure isn't just for fintechs anymore—it's officially banking-grade.
The Gateway to Mainstream Finance
AMINA Bank, a fully licensed Swiss crypto bank, is now live on Ripple's network. This isn't a pilot or a partnership announcement. It's a live client, moving real value. The deal gives Ripple its first foothold within the tightly regulated European banking sector, a space where traditional wires still dominate and compliance is king.
Why Banks Are Finally Biting
The pitch is simple: cut costs and cut settlement times from days to seconds. Ripple's tech bypasses the correspondent banking maze, offering a direct path for cross-border transactions. For a bank like AMINA, which already bridges digital and traditional assets, it's a logical step to modernize its own payment rails—even if it means cozying up to a network some regulators still side-eye.
The Ripple Effect
One deal doesn't make a trend, but it cracks the door. Other European institutions watching this rollout now have a regulated peer to reference. The success metric won't be press releases; it'll be transaction volume. Can Ripple handle the scale and scrutiny of daily banking operations? AMINA Bank is the test case.
The old guard might scoff at crypto-native plumbing, but when the bottom line is on the line, even the most traditional banks will follow the money—especially if it saves them a bundle on SWIFT fees and operational headaches. After all, in finance, the best way to get a banker's attention is to show them how to keep more of their own money.
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.
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.
