Ripple, a financial technology company that offers crypto solutions for businesses, announced a partnership with AMINA Bank AG, to “support near real time” cross-border payments for AMINA Bank’s clients using Ripple Payments. AMINA Bank, a Swiss Financial Market Supervisory Authority FINMA-regulated crypto bank with global reach, reportedly becomes one of the first European banks to “use Ripple’s licensed end-to-end payments solution.”
By using Ripple’s payments infrastructure, AMINA Bank will continue to solve the challenge of “integrating blockchain operations with traditional bank rails.”
AMINA Bank’s integration of Ripple Payments will “enable the bank’s clients to reduce the friction that typically arises between blockchain and traditional banking rails.”
This will enable AMINA Bank’s clients to move funds and settle transactions more efficiently without “relying on traditional payment infrastructure, making transactions faster, lower cost, and with increased reliability and transparency.”
AMINA Bank’s adoption of Ripple Payments underscores its commitment to using technology to “maintain a competitive edge and expand its core banking services by enabling the bank to better serve its clients – both crypto-native companies and traditional financial institutions who have embraced crypto.”
The partnership extends the relationship between Ripple and AMINA Bank, which saw AMINA Bank “support RLUSD earlier this year, when it began offering custody and trading services to its clients holding RLUSD.”
Thanks to its reliable payment rails, Ripple Payments has coverage representing more than “90% of the daily FX markets and processing more than $95 billion in volume.”
Ripple’s licensed payments solution is now available “in Australia, Brazil, Dubai, Mexico, Singapore, Switzerland, and the U.S.”
As widely reported, the Office of the Comptroller of the Currency (OCC) announced that Ripple received “conditional approval” for its application to establish Ripple National Trust Bank (RNTB), a federally supervised trust bank.
This OCC approval comes after the passage of the GENIUS Act, which President Trump signed in July 2025 to “establish clear rules of the road for U.S. stablecoins.”
This latest announcement from the OCC reinforces Fintech Ripple’s ongoing role in “building transparent, regulation-first financial solutions and its longstanding commitment to working with regulators and policymakers.”
With a national trust bank managing RLUSD reserves, Ripple’s stablecoin business will be subject to oversight as “a trust company at both the state and federal levels—through the New York Department of Financial Services (NYDFS) and the OCC, respectively.”
This so-called “dual layer” of regulation now aims to set a bar for transparency and compliance in the stablecoin market.
As traditional finance continues to enter the market, they will look to leverage stablecoins with “the highest regulatory rigor and compliance, offering the trust and reliability required for enterprise adoption.”
With final approvals from the OCC, Ripple can now “provide protections for RLUSD holders while ensuring accountability and security.”
RNTB’s services will extend the “same regulatory rigor behind RLUSD into its payments and institutional services offerings.”
Utility is said to be driving adoption, as RLUSD has “surpassed $1B market cap in less than a year, and is used in Ripple’s payments solutions and as collateral by prime brokers like Ripple Prime.”
Ripple Payments leverages digital assets as well as stablecoins “for real-time settlement, efficient on/off-ramps, and global liquidity.”
Ripple’s payout network reportedly extends to more than “90% of the global FX market, processing more than $95 billion to date.”
