RTGS.global and AMINA Bank Bridge Fiat and Digital Assets for Cross-Border Payments

RTGS.global and AMINA Bank have partnered to integrate regulated digital asset banking into a cross-border payment network. For fintech professionals, this bridge between traditional fiat and digital assets simplifies treasury management, allowing institutions to manage CHF and EUR accounts alongside digital wallets through a single platform, reducing the friction of fragmented banking relationships.

What was announced

The partnership introduces FINMA-regulated banking capabilities to the RTGS.global network, specifically targeting eligible clients who require a unified approach to traditional and digital finance. Through this collaboration, financial institutions and payment service providers can access AMINA’s services directly. This includes the ability to open fiat accounts in CHF and EUR, utilizing local payment rails, while simultaneously managing digital asset wallets.

AMINA stands as the first bank on the RTGS.global network to provide this dual-service model. A key feature of the arrangement is that onboarded clients hold accounts in their own business name, rather than through a sub-account structure. These accounts are managed via the RTGS.global platform, allowing for consolidated oversight of various banking relationships alongside other financial providers. While the initial rollout focuses on Swiss Francs and Euros, the companies have stated that USD and GBP fiat accounts will be integrated into the service in due course.

The initial phase of the partnership centers on multi-currency accounts and payment capabilities. However, both entities have indicated plans to explore deeper technical and commercial collaboration as the relationship matures. This includes the potential for AMINA to act as an FX pricing participant on the RTGS.global platform, which would further integrate their liquidity into the network’s cross-border settlement infrastructure.

"When clients are operating across traditional and digital assets, they need banking and payment infrastructure that works across the full journey, rather than having to piece together different providers for different markets,"

Felipe Hillard, Chief Commercial Officer at RTGS.global.

The companies involved

RTGS.global operates as a settlement service designed to facilitate atomic cross-border payments. By providing a network that connects banks and financial institutions directly, it aims to reduce the delays and costs associated with traditional correspondent banking. The firm has established itself as a player in the push for real-time gross settlement on a global scale, focusing on improving liquidity management for its participants through its proprietary platform. To date, the company has been the subject of significant industry interest, with 10 reports published by FF News regarding its network expansion.

AMINA Bank is a Swiss-based institution that specializes in bridging the gap between traditional banking and the digital asset economy. As a FINMA-regulated entity, it provides a secure environment for institutional and professional investors to engage with digital assets. AMINA’s market position is defined by its ability to offer regulated banking services, including fiat accounts and digital asset wallets, under a single regulatory umbrella. The bank provides the necessary oversight that many traditional financial players require before entering the digital asset space, making it a key partner for firms looking to move money across borders using both fiat and digital rails.

What FF News has reported before

FF News has closely followed the expansion of both entities within the evolving fintech landscape. Recently, we covered how RTGS.global and Bamboo Partner to Revolutionize Cross-Border Payments in Latin America, highlighting the network's focus on emerging markets. AMINA Bank has also been active in expanding its product suite; we reported on how AMINA Bank Launches Trading and Custody for Hyperliquid’s HYPE Token, demonstrating its commitment to supporting institutional-grade digital assets. These developments reflect a broader trend in the industry toward the convergence of stablecoin payroll and instant verification, as seen in our report on how Deel and Mesh Partner to Secure Global Stablecoin Payroll with Instant Wallet Verification.

What this means

This partnership signals a maturing of the digital asset sector, where the "separate worlds" of crypto and fiat are finally being forced into a single regulatory and operational framework. By integrating AMINA’s FINMA-regulated services into a settlement network like RTGS.global, the industry is moving away from the "patchwork" approach that has long plagued cross-border treasury operations. For competitors in the correspondent banking space, the pressure is mounting to provide similar hybrid capabilities. The move raises critical questions for the sector regarding how quickly other tier-one settlement networks will adopt digital asset rails to prevent losing volume to these more agile, crypto-native banking partnerships.