Key Takeaways
- AMINA Bank has become the first European bank to go live with Ripple Payments.
- The integration connects blockchain-based settlement with traditional banking rails.
- Ripple’s banking network has expanded rapidly, surpassing 300 institutional partners in 2025.
AMINA Bank, a FINMA-regulated crypto bank headquartered in Switzerland, has become the first European bank to integrate and go live with Ripple Payments, Ripple’s flagship cross-border settlement solution.
Bridging Blockchain and Traditional Banking
Under the integration, AMINA will connect Ripple Payments directly to its existing banking rails, allowing clients to move funds across borders more efficiently while remaining within a regulated banking framework.
For crypto-native businesses, one of the persistent challenges has been friction between blockchain systems and traditional correspondent banking networks.
Cross-border transfers can be slow, expensive, and operationally complex—especially when transactions involve both fiat currency and stablecoins.
AMINA’s integration is designed to address that gap by enabling settlement across both systems without forcing clients to rely solely on legacy payment infrastructure.
Myles Harrison, AMINA’s Chief Product Officer, said the bank’s clients increasingly require payment systems that can operate across multiple rails at once.
“Our clients need a payment infrastructure that can handle both fiat and stablecoin rails simultaneously, but traditional correspondent banking networks weren’t designed to support this,” Harrison said. “With Ripple’s support, we are now able to increase our capability significantly, reducing cross-border friction and helping our crypto-native clients maintain their competitive edge.”
While the bank has not disclosed transaction volumes or initial corridors, the rollout positions AMINA as one of the earliest regulated European institutions to embed blockchain settlement directly into its payment stack.
Ripple’s Expanding Banking Network
For Ripple, the AMINA partnership adds to a steadily growing list of institutional integrations.
Over the past decade, Ripple has built RippleNet, a global payments network designed to enable near-instant, low-cost cross-border transfers for financial institutions.
While not all RippleNet participants use XRP directly, a growing subset relies on Ripple’s On-Demand Liquidity (ODL) system, which uses XRP as a bridge asset to facilitate currency conversions without pre-funded accounts.
As of late 2025, Ripple reports more than 300 banking and financial-institution partners across over 40 countries—up from roughly 100 in earlier years.
That expansion has been driven in part by greater regulatory clarity following the resolution of Ripple’s long-running legal dispute with the U.S. Securities and Exchange Commission (SEC), as well as new product launches, including Ripple’s dollar-pegged stablecoin, RLUSD.
Adoption has been strongest in Asia, where Ripple says a majority of Japanese banks now use some form of its technology.
Momentum has also picked up in the Middle East, Europe, and the Americas, though only an estimated 20% to 30% of partners currently use XRP via ODL, typically in high-volume remittance corridors.
Prashant Jha is a seasoned crypto journalist based in Delhi, India, with a Bachelor’s Degree in Computer Science Engineering. Passionate about the evolving world of blockchain and cryptocurrencies, he has been a dedicated voice in the industry since 2018. Prashant’s expertise lies in regulatory reporting, where he unravels complex legal and financial developments with clarity and precision. Before joining CCN in 2024, he honed his craft at Cointelegraph, establishing himself as a trusted name in crypto journalism.
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