- AMINA Bank is the first European bank to activate Ripple Payments, integrating blockchain with traditional banking systems.
- The platform supports both fiat and stablecoin rails, improving cross-border efficiency for crypto-native and institutional clients.
- Ripple now partners with over 300 institutions globally, with growing use of XRP and RLUSD for on-chain liquidity and settlements.
AMINA Bank has launched Ripple Payments, marking the first live integration of Ripple’s cross-border system by a European bank. The Swiss-regulated bank confirmed the launch and said the platform connects blockchain settlements with traditional banking infrastructure
AMINA Bank Connects Ripple Payments to Fiat and Stablecoin Rails
AMINA Bank has enabled clients to move funds using both fiat and stablecoin rails through Ripple Payments. The integration allows customers to complete cross-border transactions within a compliant and regulated banking environment. The bank stated that the service improves operational efficiency without removing clients from traditional financial systems. This setup supports blockchain use while keeping funds within bank-governed frameworks.
Myles Harrison, AMINA’s Chief Product Officer, addressed the operational challenge faced by crypto-native companies. “Our clients need a payment infrastructure that can handle both fiat and stablecoin rails simultaneously,” Harrison said. He added that Ripple’s platform enables AMINA to reduce friction in cross-border payments.
The bank intends to offer seamless transactions across blockchain and conventional systems. The service is currently active, though AMINA has not disclosed active corridors or processed transaction volumes. The rollout positions AMINA among the early adopters of blockchain payments within regulated European banking.
Ripple Expands Cross-Border Banking Infrastructure
Ripple’s partnership with AMINA expands the reach of Ripple Payments in the European financial ecosystem. The network enables low-cost, near-instant payments across institutions and countries. Ripple has now partnered with over 300 institutions in more than 40 countries, according to its 2025 data. The platform has grown from roughly 100 partners in earlier years.
Not all partners use Ripple’s On-Demand Liquidity (ODL), which relies on the XRP token. ODL enables instant currency conversion without the need for pre-funded accounts. Ripple said adoption of ODL varies depending on regional payment corridors. The system is typically used where high-volume remittance transfers are processed. The company confirmed a sharp rise in partnerships across Asia, Europe, and the Americas in 2025. Japan remains one of the most active regions in Ripple’s current partner base.
XRP and RLUSD Support Ripple’s Liquidity Solutions
Ripple’s ODL product uses XRP as a bridge between fiat currencies for on-chain settlements. Ripple estimated that 20% to 30% of partners now use ODL to move funds without delay. Ripple also launched a stablecoin called RLUSD to serve dollar-based settlements within its ecosystem. The coin operates alongside XRP to support different liquidity needs.
The company linked its network expansion to regulatory clarity after resolving a legal dispute with the U.S. SEC. That case involved the classification of XRP and was closed earlier in 2025. AMINA Bank confirmed that Ripple Payments operates under its standard compliance and regulatory protocols. All customer transactions processed through the platform remain subject to existing financial regulations.
