Ripple Secures EU E-money License To Expand Cross-Border Payment Services

TLDR

Table of Contents

Ripple now holds over 75 global licenses, including one from Luxembourg’s CSSF.
The EMI license enables Ripple to offer digital payment services across the EU.
Ripple also holds EMI and crypto licenses from the UK’s Financial Conduct Authority.
Luxembourg serves as a central base for EU-wide regulated financial services.

Ripple has secured a full Electronic Money Institution (EMI) license from Luxembourg’s CSSF. This approval allows the company to expand regulated payment services across the European Union, enabling broader use of its Ripple Payments product for banks, fintech firms, and businesses throughout the region.

Final Authorization Granted by CSSF

Ripple has received full authorization for an Electronic Money Institution (EMI) license from Luxembourg’s Commission de Surveillance du Secteur Financier (CSSF). This approval follows the preliminary authorization announced in January and confirms that all regulatory conditions have now been met.

🔥.@Ripple has officially secured its full EMI license from Luxembourg! 🇱🇺
While others are still wondering WTF just happened, @Ripple now holds 75+ global licenses, including the two most critical financial hubs: London 🇬🇧 and Luxembourg 🇪🇺.
With full "passporting" rights… pic.twitter.com/FUVGHjY98O
— PaulBarron (@paulbarron) February 2, 2026

The license will allow Ripple to offer its regulated payment solutions across the European Union. Luxembourg’s EMI framework enables companies to passport services into other EU member states. Ripple said this license positions it to scale operations within the bloc more efficiently.

Expansion of Ripple Payments Across Europe

The company plans to expand the use of Ripple Payments, its cross-border payment product, for banks, fintechs, and enterprises in the EU. Although Ripple has not yet named specific countries for the rollout, the license allows them to enter multiple European markets under a single regulatory framework.

“Europe has always been a strategic priority for us, and this authorization allows us to scale our mission of providing robust, compliant blockchain infrastructure to clients across the EU,” said Cassie Craddock, Managing Director, UK & Europe at Ripple.

Ripple’s broader goal is to enable financial institutions to process payments faster and at lower costs using blockchain technology. The Luxembourg EMI license adds another key jurisdiction to Ripple’s list of regulated markets.

Regulatory Momentum in the UK and EU

This approval in Luxembourg follows Ripple’s recent EMI license and crypto asset registration from the UK’s Financial Conduct Authority (FCA). The back-to-back regulatory approvals in major European jurisdictions indicate Ripple’s effort to become a fully licensed global payments provider.

With these licenses, Ripple strengthens its standing in regions that prioritize regulatory compliance for digital financial services. The company has positioned itself to support institutions in adapting to evolving financial regulations while offering blockchain-powered payment tools.

Ripple now holds over 75 licenses worldwide. These include key markets such as the UK, Singapore, and now the European Union through Luxembourg. This allows the firm to serve a wide range of institutional clients in regions where regulatory compliance is required.

Luxembourg as a Strategic Financial Hub

Luxembourg is known for being a base for regulated financial services in the EU. Many companies choose it to secure licenses due to its robust regulatory system and EU-wide access through financial passporting rights.

Ripple did not disclose when its services would begin rolling out in Europe or which countries would be prioritized. However, holding the license allows it to move forward with service expansion plans at its own pace, based on market demand and client readiness.

Ripple aims to support the transition of financial institutions in the EU toward digital-first infrastructure. The company says it is now in a stronger position to help clients move toward faster and more cost-efficient cross-border payment solutions using blockchain technology.