While the stablecoin market continues its relentless march toward mainstream adoption—punctuated by the occasional spectacular collapse that reminds everyone why regulation exists—AMINA Bank has positioned itself as the first financial institution globally to support Ripple’s RLUSD stablecoin, a move that carries considerably more weight than the typical crypto partnership announcement.
The Swiss institution’s decision reflects calculated institutional appetite rather than speculative fervor. Regulated by FINMA and holding additional licenses from Abu Dhabi’s FSRA and Hong Kong’s SFC, AMINA operates within a regulatory framework that actually means something—a revitalizing departure from the regulatory theater that characterizes much of the digital asset space.
The bank’s recent 69% revenue surge and 136% growth in assets under management to $4.2 billion suggest that institutional clients are increasingly comfortable with properly regulated digital asset exposure.
RLUSD itself presents a compelling case study in how stablecoins should theoretically function. The token’s supply grew nearly 490% in 2025, exceeding $455 million, while transaction volumes hit $2.6 billion in June alone. More importantly, Ripple conducts monthly attestations to verify reserves consisting of cash and short-dated U.S. Treasuries held in bankruptcy-remote accounts—a custody model that addresses the fundamental trust issues plaguing the stablecoin ecosystem.
Ripple’s pursuit of a national bank charter adds another layer of regulatory legitimacy that distinguishes RLUSD from its peers. The prospect of extensive state and federal oversight through the Office of the Comptroller of the Currency represents a significant evolution in stablecoin governance, assuming regulators can navigate the complexities without creating more problems than they solve.
For AMINA, integrating RLUSD aligns with its mission to provide institutional-grade digital asset services while maintaining the regulatory compliance that sophisticated investors demand. The partnership positions the bank at the intersection of traditional banking infrastructure and digital asset innovation—a space that requires both technological sophistication and regulatory navigation skills.
The collaboration ultimately represents a maturation of the stablecoin market, where regulatory compliance and institutional adoption matter more than speculative trading volumes. Major platforms like Bitso Exchange have already demonstrated this institutional focus in Latin America, supporting over 50 cryptocurrencies including XRP while maintaining strict KYC protocols and regulatory compliance frameworks. Whether this approach scales remains to be seen, but AMINA’s willingness to lead suggests confidence in both RLUSD’s structure and the broader institutional demand for regulated digital assets.
