AMINA Bank has crossed the proverbial Rubicon of digital asset banking, becoming the first global institution to publicly offer custody and trading services for Ripple’s RLUSD stablecoin—a move that transforms the Swiss bank from crypto-curious bystander to pioneer of regulated digital asset integration.
AMINA Bank pioneers regulated digital asset integration by becoming the first global institution to offer RLUSD custody and trading services.
The timing proves fortuitous, as institutional demand for regulated stablecoin solutions reaches fever pitch while traditional banks remain conspicuously absent from the digital asset custody arena. AMINA’s Swiss banking license and FINMA regulatory oversight provide the legitimacy that nervous institutional investors crave, while their integrated platform allows clients to hold RLUSD alongside conventional financial services—a seamless blend that would have seemed fantastical mere years ago.
Initially targeting institutional, corporate, and professional investors (retail clients will follow in coming months), AMINA’s offering bridges the persistent gap between crypto innovation and traditional finance through their secure online and mobile banking platforms. The bank already supports other stablecoins including USDC and soon EURC, suggesting a broader strategic commitment rather than opportunistic dabbling.
Security protocols reflect institutional-grade standards, featuring hot and cold storage options with private keys safeguarded by military-grade physical and digital security measures. Extensive disaster recovery and 24/7 IT monitoring address the custody concerns that have historically deterred institutional adoption—because nothing quite ruins quarterly earnings like misplaced digital assets.
The innovation extends beyond basic custody services. AMINA eliminates custody fees for certain stablecoin accounts while offering quarterly rewards for balances above specified thresholds. Stablecoin deposits remain in segregated wallets, never lent out or reinvested—a revitalizing transparent approach that contrasts sharply with traditional banking’s fractional reserve practices. The rewards program requires clients to maintain an average monthly balance of 10,000 USDC or 10,000 EURC, with a minimum interest rate of 0.2% paid quarterly in the same currency as the held asset.
This collaboration with Ripple leverages the payment company’s reputation for transparency and compliance, creating a robust offering that combines Ripple’s global reach with AMINA’s regulatory strength. The partnership positions both entities advantageously as regulatory frameworks solidify worldwide.
AMINA’s global expansion through branches in Switzerland, Abu Dhabi, and Hong Kong provides strategic positioning for broader institutional adoption. Their pioneering status in crypto banking strengthens considerably with this RLUSD integration, potentially forcing traditional competitors to accelerate their own digital asset strategies or risk obsolescence in an increasingly tokenized financial landscape. This approach addresses the growing need for financial inclusion as institutions seek to reduce transaction costs and improve cross-border payment efficiency.
