coinspress.com
Ripple has quietly secured one of its most significant European wins yet, thanks to a new collaboration with Switzerland’s AMINA Bank — a digital-asset-focused institution that has now begun running payments through Ripple’s licensed blockchain infrastructure.
The activation marks the first time a regulated bank in Europe has connected directly to Ripple’s enterprise payment system.
A Banking Challenge Meets a Blockchain Solution
For years, AMINA has struggled with the same issue facing many crypto-native institutions: traditional payment networks were never designed to coexist with stablecoins or blockchain-settled funds. The result has been slow transfers, compatibility gaps, and the need to rely on multiple intermediaries just to move value between old and new financial rails.
By building its payment stack around Ripple’s technology, AMINA aims to eliminate those frictions. The bank can now clear customer transfers using blockchain pathways instead of the familiar but sluggish legacy systems that dominate international banking.
Faster Settlement and Dual-Channel Routing
AMINA says the shift dramatically changes how its clients send value. Payments no longer need to pass entirely through fiat rails; instead, Ripple’s infrastructure allows the bank to route transactions simultaneously across traditional and stablecoin channels.
This structure reduces settlement time and lifts much of the cost burden associated with cross-border movement of funds.
Myles Harrison, who oversees product development at AMINA, explained that many banks still struggle to deal with stablecoins at all, let alone integrate them into high-volume payments. Linking directly to Ripple’s licensed framework gives AMINA a regulated way to handle stablecoin activity without depending on external intermediaries.
A Partnership Years in the Making
Although this integration is a first for Europe, the relationship between the two firms isn’t new. Earlier this year, AMINA became the first institution globally to support Ripple’s own stablecoin, RLUSD. Ripple says that milestone laid the groundwork for the deeper connection unveiled this week.
Now, with Ripple Payments live inside a European banking environment, Ripple gains a new foothold in a region where regulatory approval is both strict and highly valued.