Ripple obtains Luxembourg EMI full license! Opens up the EU electronic money market, accumulating over 75 licenses.

Ripple obtains full EMI license in Luxembourg, enabling payment services across all 27 EU countries. Regulatory deployment, product integration, and RLUSD development are accelerating in tandem.

Luxembourg regulators approve Ripple to operate in 27 EU member states

Blockchain cross-border payment leader Ripple ($XRP) officially announced yesterday (2/2) that it has successfully obtained a full Electronic Money Institution (EMI) license issued by the Luxembourg Financial Sector Supervisory Commission (CSSF). This milestone signifies that Ripple’s initial approval received on January 14 has been officially transformed into a comprehensive operational license. This authorization allows Ripple to provide regulated digital payment services within all 27 EU member states under the Single Passport Framework.

According to the CSSF review process, Ripple received final authorization after meeting all regulatory prerequisites. This development is a key strategic point in Ripple’s expansion within the European financial landscape. Luxembourg, as one of the world’s leading financial centers, grants high credibility to regulatory approval. In the future, Ripple will be able to legally issue electronic money across the entire European Economic Area and offer smoother, compliant blockchain payment solutions to financial institutions, fintech companies, and corporate clients.

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Regulatory landscape continues to expand, with over 75 global licenses issued

Ripple has been making waves in the European market. Its UK subsidiary, Ripple UK Ltd, recently received an EMI license and a crypto asset registration certificate from the UK Financial Conduct Authority (FCA) last month. With dual regulation in Luxembourg and the UK, Ripple has completed its strategic layout in major European financial markets.

Ripple UK and Europe General Manager Cassie Craddock stated that obtaining the full EU EMI license is a transformative milestone, strengthening Ripple’s position in Europe’s financial core.

Currently, Ripple holds over 75 regulatory licenses worldwide, making it one of the most compliant companies in the cryptocurrency industry. This compliance-first strategy aims to help traditional financial institutions and enterprises transition smoothly from legacy systems to digital asset technology, providing a stable and transparent technological moat for institutional investors. As regulations around cryptocurrencies continue to improve globally, Ripple’s extensive license portfolio demonstrates its competitive strength against traditional cross-border payment systems.

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Expanding UK crypto payment footprint! Ripple approved by the UK Financial Conduct Authority, becoming a compliant electronic money institution

Product ecosystem deepening, Ripple Treasury and RLUSD accelerate commercial deployment

While ensuring smooth regulatory pathways, Ripple actively integrates its product ecosystem to maximize the value of its licenses. Last week, Ripple officially launched Ripple Treasury, an enterprise financial management platform derived from GTreasury, which was acquired for $1 billion in October 2025. The platform aims to help enterprises seamlessly manage cash and digital assets. This integration enables cross-border settlement and is deeply tied to Ripple’s stablecoin RLUSD.

To further boost institutional adoption of RLUSD, Ripple reached a multi-year strategic partnership with LMAX Group last month, committing $150 million in financing to introduce RLUSD into institutional trading venues as collateral for spot and derivatives trading. With the Luxembourg EMI license, Ripple can more effectively promote its Ripple Payments cross-border payment product, reducing transaction times and lowering operational costs for banks and financial service providers. These moves indicate that Ripple is building a comprehensive digital financial infrastructure through acquisitions and licensing advantages, redefining enterprise capital flow efficiency.

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Ripple launches enterprise financial system! Targeting Fortune 500 companies, implementing stablecoins for instant settlement

Market sentiment gradually recovers, legal rulings lay a foundation of confidence for European expansion

Driven by this positive regulatory news, $XRP’s market performance showed a modest boost, with prices rebounding over 0.70% within an hour of the announcement, reaching around 1.61 to 1.62. Although trading volume over the past 24 hours decreased by 15% due to more rational investor sentiment, to approximately $5.48 billion, data from the derivatives market shows signs of buyer resurgence.

According to CoinGlass data, XRP’s open interest in futures contracts grew by 3% within four hours, reaching $2.88 billion, indicating that institutional investors and swing traders remain optimistic about Ripple’s long-term potential in Europe.

Analysts point out that Ripple’s smooth progress in Europe is due to the resolution of its legal dispute with the U.S. Securities and Exchange Commission (SEC). Since both parties withdrew their appeals in August 2025, and the court upheld the ruling that XRP retail sales are not securities, Ripple’s corporate reputation has significantly improved in the eyes of international regulators. This legal stability provides a strong trust foundation for its expansion of blockchain services across the 27 EU countries.