Ripple Makes European Banking History With AMINA Bank Deal, Powering Near-Instant Payments

Ripple and AMINA Bank Partner to Power Near Real-Time Cross-Border Payments in Europe

In a major breakthrough for blockchain payments in Europe, Ripple and AMINA Bank have joined forces to deliver near-real-time cross-border transactions using Ripple’s licensed payments infrastructure.

AMINA Bank, a FINMA-regulated Swiss crypto bank with a rapidly expanding global presence, is strengthening its cross-border payments capabilities by integrating Ripple Payments, signaling a strategic push to bridge the long-standing divide between blockchain innovation and traditional banking infrastructure.

By adopting Ripple’s payments infrastructure, AMINA Bank seamlessly bridges blockchain networks with traditional banking rails, eliminating friction between crypto and fiat systems. 

The integration enables faster, more transparent, and cost-efficient settlement for clients, reducing reliance on slow, expensive, and opaque correspondent banking networks.

Ripple Payments delivers near-real-time settlement, lower transaction costs, and greater transparency and reliability. 

Cassie Craddock, Managing Director, UK & Europe at Ripple, welcomed the partnership, stating:

For cross-border businesses, this means improved cash-flow management, simpler operations, and more predictable payments, whether they are crypto-native firms or traditional financial institutions adopting digital assets. The platform provides a seamless, compliant way to move value globally.

For Ripple, the partnership marks a major milestone in European banking adoption. AMINA Bank’s deployment of Ripple’s licensed payments solution validates Ripple’s position as a trusted infrastructure provider for regulated financial institutions and underscores its vision of modernizing cross-border payments with blockchain technology that integrates smoothly within established regulatory frameworks.

More broadly, the Ripple–AMINA Bank partnership marks a decisive move toward real-world blockchain adoption in Europe. 

It illustrates how regulated banks can leverage distributed ledger technology to deliver faster, lower-cost, and more transparent cross-border payments, without compromising regulatory compliance or operational reliability.

Conclusion

The Ripple–AMINA Bank partnership marks a turning point for cross-border payments in Europe. As the first European bank to adopt Ripple’s licensed, end-to-end payments solution, AMINA Bank sets a clear benchmark for how regulated institutions can integrate blockchain technology into core banking systems. 

The collaboration delivers faster settlement, lower costs, and greater transparency for clients, while proving that blockchain-powered payments can operate seamlessly within established regulatory frameworks. 

As demand for efficient global payments accelerates, the Ripple–AMINA alliance positions both firms at the forefront of international finance, where traditional banking and digital assets converge to create tangible, real-world value.