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Is Ripple Payments Europe S.A. regulated in the EU?

Ripple Payments Europe S.A.. Crypto-asset service provider (CASP) with home Member State 🇱🇺 Luxembourg.

Authorised under MiCA

Ripple Payments Europe S.A. is listed in the ESMA register as an authorised crypto-asset service provider. The licence was granted by Commission de Surveillance du Secteur Financier (CSSF) on 29 June 2026 and covers 3 of 10 MiCA services in 29 EEA countries.

Ripple Payments Europe S.A. among the EU's authorised providers

Ripple Payments Europe S.A. was the 11th of 13 crypto-asset service providers currently authorised in Luxembourg, and one of 365 across the EEA, licensed 18 months after MiCA became applicable. With 3 authorised services it is at the register average of 3.3; 162 providers hold a broader one. It has notified 29 of 30 EEA countries; 58 providers have notified all of them. CSSF supervises 13 authorised providers in total.

What the authorisation covers

Ripple Payments Europe S.A. is authorised for 3 of the ten crypto-asset services defined in Article 3(1)(16) of MiCA. It is not authorised for custody and administration, operating a trading platform, execution of orders, placing of crypto-assets, reception and transmission of orders, advice on crypto-assets, portfolio management — if it offers those, that activity is outside this licence.

  • c Exchange for funds 29 countries Buying crypto-assets from clients, or selling to them, against money (euro or another currency) using the provider's own capital.
  • d Exchange for other crypto-assets 29 countries Swapping one crypto-asset for another with the client, using the provider's own capital — for example bitcoin for a stablecoin.
  • j Transfer services 29 countries Moving crypto-assets from one distributed-ledger address or account to another on the client's behalf.

Not authorised: a. Custody and administration · b. Operating a trading platform · e. Execution of orders · f. Placing of crypto-assets · g. Reception and transmission of orders · h. Advice on crypto-assets · i. Portfolio management.

Where it may operate

Through the MiCA passport, Ripple Payments Europe S.A. has notified 29 countries: Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia. It has not notified the other 1 EEA states (Luxembourg), so a client there is outside the scope of the notification.

Highlighted: countries notified for at least one service. Outlined: home Member State. Passporting is per service; see the list on the left for each service's count.

Identification

Legal name
Ripple Payments Europe S.A.
LEI
2549000KEHDV2LWRRZ45 · GLEIF record
Competent authority
Commission de Surveillance du Secteur Financier (CSSF) (Luxembourg)
Registered address
53, Boulevard Royal, L-2449 Ville-Haute Luxembourg
Declared website
ripple.com
Authorised on
29 June 2026
Register entry updated
7 July 2026
Only the declared domains are covered. Fraudsters routinely copy the name of an authorised provider and operate from a look-alike domain. If the website you are on is not one of the addresses above, the authorisation does not apply to it — check the exact domain.

Questions people ask

Is Ripple Payments Europe S.A. regulated in the EU?

Yes. Ripple Payments Europe S.A. (Ripple Payments Europe S.A.) holds a MiCA authorisation as a crypto-asset service provider, granted by Commission de Surveillance du Secteur Financier (CSSF) on 29 June 2026. It appears in the ESMA register of authorised CASPs.

Which crypto services is Ripple Payments Europe S.A. authorised for?

3 of the ten MiCA services: exchange for funds, exchange for other crypto-assets, transfer services.

In which countries can Ripple Payments Europe S.A. offer crypto services?

29 EEA countries: Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia.

Who supervises Ripple Payments Europe S.A.?

Commission de Surveillance du Secteur Financier (CSSF), the competent authority in Luxembourg, which is the provider's home Member State under MiCA.

Other providers authorised in Luxembourg

All providers from Luxembourg →

Source: ESMA interim MiCA register (CASPS.csv), as reported by Commission de Surveillance du Secteur Financier (CSSF). This page reflects the register as of our last sync; it is not a statement by the regulator. Methodology.