XRP News Today: Ripple's AMINA Partnership Spur Real-Time Cross-Border Payments in Europe

Ripple Payments has announced its first European bank partner in a major development for the cross-border payment infrastructure provider. AMINA Bank, a Swiss FINMA-regulated institution, is now live with Ripple's licensed end-to-end payments solution. This partnership enables near real-time cross-border transactions for AMINA's clients, bridging traditional banking systems with blockchain-based stablecoin operations.

The collaboration centers around Ripple's RLUSD stablecoin, a U.S. dollar-pegged token issued by Ripple subsidiary Standard Custody & Trust Company under the New York Department of Financial Services framework. AMINA Bank already supports RLUSD custody and trading, and this expansion into payments reinforces its commitment to digital asset integration.

By leveraging Ripple's infrastructure, AMINA Bank's clients can now send and receive funds more efficiently, with reduced delays and lower costs compared to legacy correspondent banking networks. This development positions AMINA as a bridge for crypto-native businesses to access traditional financial infrastructure without compromising speed or compliance.

Strategic Implications for Ripple in Europe

Ripple's partnership with AMINA Bank marks a pivotal step in its European expansion strategy. The Swiss bank's global footprint and regulatory compliance credentials add credibility to Ripple's push to establish a robust digital payment network in Europe. Ripple's technology now covers over 90% of global foreign exchange markets, and this integration supports the firm's goal of processing $100 billion in volume across diverse jurisdictions according to reports.

The deal aligns with Ripple's institutional-grade focus, emphasizing secure, compliant payment rails over speculative narratives. While XRP remains part of Ripple's broader ecosystem, the company has clarified that this partnership does not involve XRP or the XRP Ledger. Instead, it centers on RLUSD, which is backed by high-quality reserves and subject to monthly third-party audits according to financial analysis.

Market Impact and Future Prospects
AMINA Bank's adoption of Ripple Payments is likely to influence broader institutional adoption of blockchain-based cross-border solutions in Europe. The bank's Austrian subsidiary operates under MiCA regulation, adding another layer of regulatory alignment. Ripple's Managing Director for the UK and Europe, Cassie Craddock, noted that the partnership allows AMINA to serve as an on-ramp for digital asset innovators seeking to interface with traditional finance according to official statements.

For crypto-native firms, the integration reduces friction in handling stablecoin transactions alongside fiat transfers, addressing a key operational challenge. AMINA's Chief Product Officer, Myles Harrison, highlighted that traditional banking systems are not designed to manage both simultaneously, making Ripple's infrastructure a critical enabler of cross-border efficiency according to industry analysis.

What This Means for Investors

The milestone underscores Ripple's growing influence in regulated financial markets, particularly as it continues to expand beyond the U.S. and Asia. Ripple's licensed payment rails now span more than 300 institutional partners globally, with AMINA's integration reinforcing the company's role in bridging legacy and modern financial systems.

Investors may view this as a positive signal for Ripple's long-term growth, especially as global adoption of stablecoins and blockchain-based payments accelerates. The company's disciplined approach to regulatory compliance and institutional partnerships positions it to capture a significant share of the evolving digital asset infrastructure market according to market experts.