A major regulatory development is reshaping Ripple’s European operations. The blockchain infrastructure company announced on Feb. 2 that it has received full approval for an Electronic Money Institution (EMI) license from Luxembourg’s financial regulator, clearing the way for broader payment services across the European Union.

The license was granted by Luxembourg’s Commission de Surveillance du Secteur Financier after the company completed all requirements tied to its earlier preliminary authorization. The approval enables Ripple to passport regulated electronic money services throughout EU member states and accelerate the rollout of Ripple Payments.

Cassie Craddock, Managing Director, UK & Europe at Ripple, commented:

“Securing our full EMI license in the EU is a transformative milestone that reinforces Ripple’s presence at the heart of European finance.”

“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. We are now better positioned than ever to help European businesses transition into a more efficient, digital-first financial era,” the Ripple executive added. The authorization strengthens the firm’s ability to support banks, payment providers, and enterprises seeking regulated blockchain-based settlement within the bloc.

Read more: Ripple Signals Institutional Shift as Banks Embrace Tokenization and Payments Strategy

Momentum behind the Luxembourg decision reflects a wider expansion of Ripple’s global compliance strategy. In January, the company secured an Electronic Money Institution license and cryptoasset registration from the UK Financial Conduct Authority, extending regulated coverage in another major financial center. Ripple now holds more than 75 regulatory licenses worldwide, a level of oversight that exceeds most digital asset companies and underscores its focus on operating within established financial frameworks. This breadth of approvals supports institutional adoption by reducing regulatory friction and enabling interoperability with existing payment rails.

As European policymakers advance harmonized rules for digital finance, Ripple’s licensing progress illustrates how regulated blockchain infrastructure can coexist with traditional systems while offering faster settlement, improved transparency, and lower operational costs for cross-border transactions across the region.

• What does Ripple’s Luxembourg EMI license allow?
  It enables Ripple to offer regulated electronic money and payment services across EU member states.
• Which regulator approved Ripple’s EU license?
  The approval was granted by Luxembourg’s Commission de Surveillance du Secteur Financier.
• How does the EMI license impact Ripple Payments?
  It allows Ripple to accelerate the rollout of Ripple Payments across Europe.
• How many regulatory licenses does Ripple now hold globally?
  Ripple holds more than 75 regulatory licenses worldwide.

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