Ripple has commercialized a 24/7, real-time, cross-border payments system for the first time in the European banking sector, in collaboration with Swiss-based digital asset bank AMINA Bank.
Ripple and AMINA officially announced their partnership on the 17th (local time), stating that AMINA will be implementing Ripple's payment solution, "Ripple Payments," to provide a cross-border payment service that enables real-time fund settlement without the need for a correspondent bank. This marks the first time a European bank has implemented Ripple's payment infrastructure into real-world operations.
The core of this collaboration is "24/7 bank settlement." While traditional international remittances can take hours or even days due to intermediary bank operating hours and settlement delays, Ripple's infrastructure bypasses these traditional systems, enabling instantaneous fund settlement and settlement. This is expected to significantly improve the efficiency of stablecoin-based payments, particularly for cryptocurrency companies and global customers.
AMINA has already adopted Ripple's stablecoin RLUSD in 2025. At the time, it was recognized as setting a precedent for "real-world use of bank stablecoins" by integrating custody and transaction functions into the banking system. This introduction of payment infrastructure is seen as a signal that the bank has moved beyond a simple technological experiment and is entering a phase where traditional finance and Web3 payments are integrated into a single structure.
Market analysts believe this case could spur a paradigm shift in cross-border payments for European banks. Real-time settlement would improve capital efficiency and liquidity management, and enhance competitiveness in attracting global corporate clients. In particular, the fact that a bank has directly adopted blockchain payment infrastructure in Europe, where the regulatory environment is relatively clear, could serve as a benchmark for future institutional expansion.
An industry insider commented, “Ripple’s payment network is moving beyond simple cryptocurrency remittance technology and establishing itself as a core payment infrastructure for banks,” and added, “This AMINA case is the first European case to demonstrate that stablecoins and fiat currencies can operate on the same payment rail.”
While Ripple and AMINA's top executives have yet to comment officially, this collaboration is attracting attention from the financial sector as an event that demonstrates that "real-time cross-border payments" are no longer a future reality but have entered the current financial infrastructure.
