AMINA Bank, a Switzerland-based financial institution regulated by FINMA, has implemented Ripple Payments to improve how transactions flow between blockchain networks and conventional banking systems. The integration has been positioned as a way to reduce friction for clients moving funds across borders, particularly when stablecoins are involved. By adopting Ripple’s payment infrastructure, the bank is working to deliver a more efficient and seamless experience that connects fiat currencies with the growing digital asset ecosystem.
The move reflects AMINA Bank’s broader objective of modernizing its payment services while responding to the evolving needs of clients who operate across multiple financial environments. Through this integration, the bank aims to simplify complex payment processes and offer smoother transfers that align with both traditional banking standards and emerging cryptocurrency use cases.
Ripple’s Expanding Global Footprint
Ripple Payments has continued to scale its presence across global markets, having already facilitated more than $95 billion in transaction volume. The collaboration with AMINA Bank represents Ripple’s first partnership with a European bank, marking a notable milestone in its expansion strategy. This development highlights Ripple’s growing role in enabling cross-border financial operations within regulated environments.
Ripple’s licensed payment technology is now active in seven countries, including the United States and Singapore. The partnership with AMINA follows earlier expansion efforts, such as Ripple’s increased operational focus in Singapore, and demonstrates how the company is steadily building a global network to support international payments in a more interconnected economy.
Supporting Fiat and Stablecoin Transactions
AMINA Bank selected Ripple Payments to strengthen its ability to process fiat and stablecoin transactions in parallel, an area where legacy banking systems often face limitations. The bank’s leadership has indicated that Ripple’s technology significantly reduces cross-border complexity, which in turn enhances the competitiveness of clients who are native to the crypto economy. By lowering operational barriers, the integration is seen as setting a new benchmark for efficiency in international financial transactions.
This capability is particularly relevant for businesses and institutions that require fast and reliable settlement across jurisdictions. The combination of fiat and blockchain-based payments under a single infrastructure allows AMINA Bank to better support modern business models that depend on speed, transparency, and global reach.
In another giant leap forward in our partnership, today AMINA Bank becomes the first European bank to integrate @Ripple Payments. 🌍💠
Over the past year, our partnership has continued to deepen — from supporting custody and trading of RLUSD, to partnering on ecosystem events… pic.twitter.com/bO1qaKekeK
— AMINA Bank (@AMINABankGlobal) December 12, 2025
Expanding Services for Global Clients
With Ripple Payments now incorporated, AMINA Bank can broaden its range of services for clients operating across diverse currencies and economic regions. The bank is able to facilitate faster payouts by using Ripple’s technology as a bridge between traditional financial systems and blockchain networks. This advancement supports more cohesive and streamlined financial operations, aligning with the rapid pace of change in international payments.
Big News: @AMINABankGlobal is the first European bank to go live with Ripple Payments: https://t.co/3cxySxnZeI
This partnership provides a crucial, compliant bridge between traditional fiat and blockchain rails, solving a major friction point for crypto-native clients who need…
— Ripple (@Ripple) December 12, 2025
Ripple’s leadership in the UK and Europe has highlighted that the integration enables seamless transactions using Ripple USD alongside other stablecoins. The underlying infrastructure supports rapid, multi-currency payments, which helps explain why Ripple’s solutions continue to gain traction among financial institutions seeking scalable and flexible payment systems.
Strategic Implications for the Financial Industry
Ripple’s valuation, which stands at approximately $40 billion following a major strategic investment, reflects strong confidence from prominent financial players. The partnership with AMINA Bank aligns with Ripple’s broader ambition to capture a larger share of the cross-border payments market through innovative and compliant solutions. Company leadership has characterized recent investments as validation of Ripple’s long-term vision and its appeal to established financial institutions.
As the financial sector continues its digital transformation, collaborations between regulated banks and blockchain-focused technology providers are becoming more common. The partnership between AMINA Bank and Ripple illustrates how blockchain infrastructure can enhance existing banking frameworks by addressing inefficiencies in legacy systems. Clients are expected to benefit from faster, more reliable cross-border transactions, especially as digital assets become increasingly integrated into mainstream financial operations.
