Ripple Partners With AMINA Bank to Enable Near Real-Time Cross-Border Payments

Ripple announced a partnership with AMINA Bank AG to support near real-time cross-border payments for the bank’s clients using Ripple Payments. AMINA Bank, a FINMA-regulated crypto bank with global reach, becomes one of the first European banks to adopt Ripple’s licensed end-to-end payments solution.

Integration Bridges Blockchain and Traditional Banking Rails

By integrating Ripple Payments, AMINA Bank aims to address the long-standing challenge of connecting blockchain operations with traditional banking infrastructure. The integration is designed to reduce friction between onchain systems and conventional payment rails, enabling faster, lower-cost, and more reliable fund transfers with improved transparency.

Expanded Capabilities for Crypto-Native and Traditional Clients

AMINA Bank said the adoption of Ripple Payments reflects its strategy to use advanced technology to remain competitive and expand its core banking services. The solution allows the bank to better serve both crypto-native companies and traditional financial institutions that have incorporated digital assets into their operations.

Partnership Builds on Earlier Support for RLUSD

The agreement deepens an existing relationship between Ripple and AMINA Bank, following the bank’s earlier support for RLUSD through custody and trading services. Ripple Payments currently covers more than 90% of daily foreign exchange markets and has processed over $95 billion in transaction volume.

Ripple Payments Expands Global Regulatory Footprint

Ripple’s licensed payments solution is now available in key jurisdictions including Australia, Brazil, Dubai, Mexico, Singapore, Switzerland, and the United States, highlighting its growing regulatory reach across major financial hubs.

OCC Grants Conditional Approval for Ripple National Trust Bank

In a separate regulatory milestone, the Office of the Comptroller of the Currency granted Ripple conditional approval to establish Ripple National Trust Bank, a federally supervised trust bank. The decision follows the passage of the GENIUS Act, signed into law in July 2025, which introduced a clear regulatory framework for US stablecoins.

Dual Regulatory Oversight Sets New Compliance Standard

With Ripple National Trust Bank set to manage RLUSD reserves, Ripple’s stablecoin operations will be overseen at both state and federal levels through the New York Department of Financial Services and the OCC. This dual-layer regulatory structure is intended to raise transparency and compliance standards across the stablecoin market.

RLUSD Growth Driven by Utility and Institutional Adoption

Ripple said RLUSD has surpassed a $1 billion market capitalisation in less than a year, driven by its use in Ripple’s payment solutions and as collateral by prime brokers such as Ripple Prime. Final OCC approvals are expected to further strengthen protections for RLUSD holders while extending the same regulatory rigor into Ripple’s institutional and payments services.

Ripple Payments Strengthens Global Settlement Network

Ripple Payments leverages digital assets and stablecoins to deliver real-time settlement, efficient on- and off-ramps, and deep global liquidity. The network now reaches more than 90% of the global foreign exchange market and has processed over $95 billion in transactions to date.