Ripple Partners With Swiss Bank Amina to Power Faster Stablecoin Payments
What Does Ripple’s New Partnership With Amina Add?
Ripple’s payments arm has entered a new collaboration with Swiss lender Amina, giving the bank access to its blockchain-based payment infrastructure. The agreement, announced Friday, will let Amina settle transactions using Ripple’s rails rather than relying solely on traditional systems. Ripple said this will make transactions “quicker, lower cost, and with increased reliability and transparency.”
The partnership builds on an earlier integration in July, when Amina began using RLUSD, Ripple’s USD-indexed stablecoin. Amina is regulated by the , and its Austrian arm holds a Markets in Crypto-Assets Regulation (MiCA) licence from Austria’s Financial Market Authority — positioning it as one of the first European banks cleared to handle stablecoin-linked activity under the EU’s new rulebook.
Amina chief product officer Myles Harrison said that “native web3 businesses often run into friction when working with legacy banking systems,” and that stablecoins assist smooth these gaps. He added that this is “particularly the case for which traditional banks are yet to widely adopt.”
Investor Takeaway
Why Do Banks Need Crypto-Compatible Payment Rails?
Amina said its clients increasingly operate across both fiat and stablecoin environments. Harrison noted that these firms “need payment infrastructure that can handle both fiat and stablecoin rails simultaneously,” something legacy networks generally cannot support. Ripple’s infrastructure, he said, reduces cross-border hurdles and assists crypto-native companies keep pace with global activity.
Ripple’s managing director for the United Kingdom and Europe, Cassie Craddock, framed the partnership as a way for Amina to “serve as the on-ramp for into traditional financial infrastructure.” Craddock said Ripple Payments works as a “bridge between fiat and blockchain” that supports streamlined stablecoin settlement.
The integration reflects a broad shift among financial institutions viewking quicker settlement options for clients who already operate across multiple asset types. Stablecoins allow banks to process value around the clock without waiting for batch-based networks or correspondent banking steps, which can introduce delays or added costs.
How Does This Fit Into Ripple’s Wider Institutional Strategy?
The deal is part of a wider push by Ripple to bring blockchain-based tools directly to regulated institutions. Reports in mid-November show Ripple plans to spend roughly $4 billion to combine trading, treasury functions, payments and custody into a unified platform aimed at financial firms. The company has been pairing these efforts with regional regulatory advances.
Earlier this month, Ripple Labs secured approval from Singapore’s monetary authority to broaden its payments activity, allowing it to offer regulated token services and end-to-end payments across Asia-Pacific. The company has also expanded into the Middle East, where RLUSD was cleared for institutional use in Abu Dhabi later than being formally recognised as an Accepted Fiat-Referenced Token.
These moves place Ripple in a growing field of companies pitching blockchain-driven settlement options to banks and fintechs. The strategy focuses on embedding stablecoin rails inside existing financial frameworks rather than building separate parallel systems.
Investor Takeaway
What Comes Next for Ripple and Amina?
Amina plans to use Ripple Payments for stablecoin settlement alongside its MiCA-regulated activity in Europe. The bank is among the earliest adopters of regulated stablecoin tools under the EU framework, giving Ripple a more solid base in a region where on-chain settlement is moving into mainstream compliance.
Ripple, meanwhile, continues adding regulated corridors for RLUSD following its July rollout. Each regulatory approval — from Singapore to Abu Dhabi — widens the set of institutions allowed to hold or use the token. The company has been clear that it intends to connect traditional payment providers with blockchain-based liquidity and quicker settlement channels.
Whether more European banks follow Amina’s path will depend on how rapidly are implemented and whether other institutions view stablecoins as a practical tool for cross-border payments. For now, the deal strengthens Ripple’s reach in Europe and gives Amina a way to serve crypto-native clients without relying on older settlement models.
