Switzerland Zug, a bank regulated by the top financial regulator FINMA, has quietly completed a historic system upgrade—directly connecting Ripple's cross-border payment network to its core banking system.

This marks the demolition of a thick wall. Once, the flow of funds in the crypto world and the traditional banking clearing and settlement systems were like two isolated planets, with cross-border payments relying on expensive and slow correspondent banking networks, and stablecoin transfers facing numerous obstacles. Now, a concept called 'Decentralized USD' is quietly spreading from the fields of the crypto community to the halls of traditional finance. It represents not just an asset, but a whole new set of trust and collaboration protocols that are reshaping the rules of money movement.

Now, AMINA, the crypto bank regulated by Switzerland's FINMA, has officially become the first bank in Europe to launch Ripple's payment solutions, marking the end of this 'financial cold war'.

01 The Wall Breaker

The story begins with those Web3 companies struggling in globalization. They were born to face the world but have to dance with shackles.

"Native Web3 enterprises often encounter friction when dealing with legacy banking systems," admitted Myles Harrison, Chief Product Officer of AMINA Bank. This friction is particularly pronounced in cross-border transactions involving stablecoins.

Traditional banking systems cannot handle both fiat and stablecoin tracks simultaneously, while crypto enterprises need both. A simple transaction may require repeated coordination across blockchains and banks in multiple countries, resulting in high costs and snail-paced speeds.

This wall confines not only efficiency but also the pace of innovation.

02 New Bridge

AMINA Bank's choice is not to patch the old ship but to build a new bridge. It chooses to deepen its collaboration with Ripple, directly integrating its licensed end-to-end payment solutions into the bank's backend.

The essence of this bridge is a compliant, bidirectional channel. On one hand, it allows the bank's crypto-native clients to seamlessly and efficiently transfer funds into the traditional financial world for purposes such as payroll and procurement.

On the other hand, it also opens the door for traditional financial institutions to embrace digital assets securely. Ripple's Managing Director, Cassie Craddock, pointed out that this enables AMINA Bank to act as the 'gateway for digital asset innovators entering traditional financial infrastructure'.

03 Stablecoin Core

Any efficient value transfer requires a stable and trusted carrier. The core vehicle racing across this new bridge is represented by stablecoins like Ripple USD (RLUSD).

Earlier this year, AMINA Bank became the world's first bank to provide custody and trading services for RLUSD. This payment integration is a deepening and expansion of this cooperation.

The importance of stablecoins like RLUSD lies in their backing by 1:1 dollars or high-quality short-term government bonds, combining the efficiency of cryptocurrencies with the stability of fiat currencies. On the Ripple network, they can achieve near real-time, low-cost cross-border settlements.

04 Butterfly Effect

The actions of AMINA are not isolated cases but rather the tip of an iceberg of a silent revolution. The Ripple payment network has covered over 90% of the global foreign exchange market, processing over $95 billion annually.

At the same time, the narrative of Decentralized USD is making significant strides on another parallel track. Unlike institutional stablecoins such as RLUSD, it aims to create a 'digital dollar' that does not require endorsement from centralized institutions through over-collateralization and algorithmic mechanisms.

Whether it is the compliant stablecoins adopted by AMINA or the community-driven Decentralized USD, they both point to a future where the value internet needs its own efficient 'blood'. When banks begin to actively construct high-speed pipelines for this 'blood', transformation has already occurred at the infrastructure level.

05 Future Blueprint

This collaboration clearly depicts the integrated landscape of future finance: blockchain will become the underlying track, stablecoins are the universal vehicles, and traditional banks will transform into key hub services and compliance gateways.

For AMINA's clients, this means lower delays, fewer intermediaries, and faster liquidity acquisition. For the entire industry, this sets a new standard: digital asset services are no longer a peripheral business for banks but a core component of modern financial services.

With the implementation of regulations like the EU (Crypto Asset Market Regulation) (MiCA), this path is becoming clearer than ever. Compliance is no longer a shackle on innovation but rather the cornerstone of its large-scale application.

On one side is AMINA Bank in Zug, Switzerland, seamlessly embedding the Ripple payment network into the century-old banking system; on the other side, explorers of Decentralized USD are using code to build a brand new, trustless monetary experiment.

The paths of both are vastly different, yet they are jointly dismantling the same old wall. Agents of traditional finance are laying down the tracks to a new world, while the native forces of crypto are forging entirely new vehicles. When the tracks and vehicles are in place simultaneously, an unstoppable new wave of financial globalization has already begun to surge.

@USDD - Decentralized USD #USDD以稳见信