Ripple Secures Full EMI License Approval in Luxembourg for EU Expansion

Highlights:

• Ripple receives full EMI license approval from Luxembourg’s CSSF.
• The license boosts Ripple Payments across the European Union.
• The firm now holds over 75 licenses globally.

Ripple, a major financial technology company, has received final authorization for its Electronic Money Institution (EMI) license in Luxembourg. The license was granted by the country’s regulator, the Commission de Surveillance du Secteur Financier (CSSF), after Ripple met all the pre-approval requirements. This marks a significant milestone in Ripple’s expansion plan in Europe.

Ripple Strengthens EU Presence with Full EMI License

The new license is based on the preliminary authorization granted to the company earlier this month. This license places Ripple in a position to conduct regulated financial services within the European Union. Luxembourg is frequently used as a hub by fintechs looking to expand on an EU level. As a result, Ripple is now able to provide its blockchain-based payment solutions fully in accordance with the EU regulations.

🚀🇪🇺 RIPPLE SCORES FULL EU MONEY LICENSE!

Ripple has officially received a full Electronic Money Institution (EMI) license from Luxembourg’s regulator.

This means Ripple can now operate regulated digital payment services across EU nations.

This strengthens real-world use… pic.twitter.com/grJ9BlU5pE

— Coin Bureau (@coinbureau) February 2, 2026

Ripple already has an EMI and crypto asset registration with the United Kingdom’s Financial Conduct Authority. The two licenses position Ripple in a better position to provide regulated services to both the UK and the EU. The company currently holds over 75 licenses worldwide. This involves coverage in major jurisdictions in North America, Asia-Pacific, and Europe. Only a few blockchain companies have received such a large regulatory reach.

Expansion of Ripple Payments Services Across Europe

Ripple payments, a cross-border payment product by Ripple, will be the beneficiary of this regulatory achievement. The platform allows banks, fintechs, and corporations to transfer money faster and at reduced charges. The license further enables Ripple to implement this service in the EU, although no official schedule has been shared.

The company noted that the move will facilitate the shift of businesses from legacy payment rails to digital-first financial systems. The Managing Director of Ripple in the UK and Europe, Cassie Craddock, referred to it as a “transformative milestone” for Ripple’s presence in the region.

The company has not announced the initial European markets it will focus on, but Luxembourg’s central location will serve as a perfect launchpad. Ripple consequently aims to promote scalable blockchain adoption in financial institutions in various jurisdictions.

The EMI license also coincides with the efforts of Ripple to comply with the Markets in Crypto-Assets (MiCA) EU framework. This regulation, which will fully come into effect in July 2026, will harmonize crypto activities within the bloc. The active involvement of Ripple further reflects its desire to be a long-term infrastructure provider in the EU.

Ripple’s Growing Regulatory Footprint and Global Push

Ripple continues to scale its compliance capabilities. Its new license in Luxembourg is based on its prior momentum in the UK and expands its portfolio of regulations across Europe. This expanding presence also facilitates alliances with traditional banks.

In the Middle East, Ripple is experimenting with blockchain technologies with Jeel, the innovation division of Riyadh Bank in Saudi Arabia. The pilot examines the ways in which enterprise blockchain can be used in regulated financial systems. Riyad Bank is among the leading lenders in the region, which gives credibility to the partnership.

In addition to the licensing, Ripple is expanding its enterprise supply. The company last week introduced Ripple Treasury, a product aimed at corporate treasury management. The introduction follows Ripple’s acquisition of GTreasury in October 2025, worth $1 billion.

Today, we're proud to introduce Ripple Treasury, Powered by GTreasury: the world's first comprehensive treasury platform combining 40 years of proven enterprise expertise with cutting-edge digital asset infrastructure.

Many finance teams are stuck managing growing complexity… pic.twitter.com/4scNUggARS

— GTreasury (@GTreasury) January 27, 2026