AMINA Bank joins the RTGS.global cross-border network
AMINA Bank has joined the RTGS.global network, opening Swiss franc and euro accounts plus digital wallets for eligible clients. Dollar and sterling follow.
AMINA Bank has joined the RTGS.global cross-border network, and the detail that changes the economics is where the account sits. On November 3, 2026, London-based RTGS.global and Zug-based AMINA Bank AG said eligible clients can reach Swiss franc (CHF) and euro (EUR) accounts, local payment rails and digital wallets through one platform, with the account held at AMINA in the client's own business name. AMINA Bank, regulated by the Swiss Financial Market Supervisory Authority (FINMA), is the first bank on that network offering both fiat banking and digital-asset services, the companies said. The deal distributes a Swiss banking relationship through a software storefront, which is a different product from another funds controller adding a currency pool to a settlement grid.
RTGS.global is the private network operator at 70 St Mary Axe, running cloud software on Microsoft Azure. Banks, payment service providers and money transfer operators use one Application Programming Interface (API) to reach account providers, exchange foreign exchange (FX) quotes and send real-time international payments. The client relationship in this agreement sits on AMINA's balance sheet after the business completes the bank's own onboarding.
What opens now, and what the release leaves undated
CHF and EUR fiat accounts, with local rails, sit alongside digital wallets on day one. US dollar (USD) and British pound (GBP) accounts are to follow, and the November 3 release leaves the timing open. Eligible firms hold the accounts in their own name and manage them inside RTGS.global beside other bank relationships. The first commercial focus is multi-currency accounts, payments and digital-asset wallets for payment service providers and money transfer operators.
As of November 4, 2026, AMINA's corporate payments page lists 19 fiat currencies, including CHF, EUR, USD, GBP, the UAE dirham and the Hong Kong dollar. Incoming Swiss Interbank Clearing (SIC) franc payments and Single Euro Payments Area (SEPA) euro payments are described as live. Outgoing SIC support is marked as coming soon, and US ACH and Fedwire access runs through partners. The network opening therefore starts on the rails AMINA operates most directly, in francs and euros, while dollars and sterling wait even though the bank already books them on its own franchise.
Other firms already sit on adjacent rails
The nearest name already on the network is TransferMate. On March 24, 2025, the companies said TransferMate would supply embedded business-to-business payment infrastructure, and a November 25, 2025 release credited that tie-up when 23 currencies were added. TransferMate's job is liquidity and local-rail reach, while AMINA's job in the new agreement is the named, regulated account the client contracts with.
Rivals are assembling pieces of the same stack elsewhere. JPMorgan Payments has attached Thunes to its Xpedite Remit payout product so one connection reaches bank accounts and wallets. Fin.com bought licensed local operators before it raised outside capital, so the licence travelled with the acquisition rather than through a partner's screen. Wero, Bancomat and Bizum have gathered around a Madrid hub of domestic schemes, and a FINMA bank account reached through this messaging network still sits apart from those routes.
What Hillard and Harrison said
Felipe Hillard, chief commercial officer at RTGS.global, put the operating case in the November 3 announcement. “Amina brings established banking and digital asset capabilities into the RTGS.global network, giving clients more options across currencies while making it simpler to move money across borders,” he said.
“Fiat banking and digital asset services have largely developed as separate worlds, and businesses moving money cross-border are the ones paying the cost of that divide,” said Myles Harrison, chief product officer at AMINA Bank. “AMINA joined the RTGS.global network because it connects us directly with those businesses looking for a banking partner that can work across both.”
The Swiss licence is the product being distributed
The same release says AMINA Bank AG, founded in Zug in April 2018, received its Swiss banking and securities dealer licence from FINMA in August 2019. It also records an Abu Dhabi Global Market permission in February 2022, Hong Kong permissions from the Securities and Futures Commission in November 2023, an October 2025 digital-asset extension for professional investors, and an October 2025 crypto-asset licence for AMINA (Austria) AG from Austria's Financial Market Authority. The account distributed on RTGS.global remains the Swiss banking relationship.
Pricing is the step the launch leaves aside
USD and GBP accounts, and a possible role for AMINA as an FX pricing participant, are both named and both left undated. The companies placed the pricing idea outside the initial launch. The sequence follows the rails: direct francs and SEPA euros first, the reserve currencies where AMINA's page still points at partner banks for US clearing second, and a quote seat only after that.
This article is for general information and does not constitute investment, legal or regulatory advice.
Reporting by Rick Steves. Filed 4 November 2026, 22:20 GMT.
Senior Reporter, Regulation and Fintech
Rick Steves has seen business and economics through many lenses. He joined the financial services industry in 2009, and has been a financial journalist since 2011.
