Ripple
Ripple (Luxembourg EU entity) · LU · 30 countries served
Ripple is a global digital-asset and cross-border payments company (founded 2012, San Francisco) that received a full MiCA CASP licence from Luxembourg's CSSF on 6 July 2026. Combined with its EU EMI licence (Feb 2026) it is a dual licence. It is not a retail exchange: it supplies regulated crypto-asset and stablecoin (RLUSD, $300M+) payments infrastructure to banks, fintechs and corporates with an EU passport across 30 EEA countries. 75+ regulatory licences globally.
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Fees
| Spot maker | N/A (B2B / OTC only) |
| Spot taker | N/A (B2B / OTC only) |
| SEPA deposit | N/A (B2B / OTC only) |
| Card deposit | N/A (B2B / OTC only) |
| SEPA withdrawal | N/A (B2B / OTC only) |
* This platform is exclusively for B2B, corporate, and institutional clients (fintech, enterprise). It does not provide a public retail trading interface.
Features
- ✓SEPA transfers
- −Bank ID support
- −Mobile app
- ✓Two-factor authentication
- ✓Cold storage custody
- −Proof of Reserves
- −Derivatives (futures/perp)
- ✓10+ crypto trading pairs
Supported fiat currencies: EUR, USD
Pros
- ✓Full MiCA CASP licence (Luxembourg CSSF, 2026-07-06) with an EU passport
- ✓Dual licence: MiCA CASP + EU EMI - crypto and stablecoin payments in one integration
- ✓Global, established company (founded 2012) with 75+ licences
- ✓RLUSD stablecoin ecosystem and XRP Ledger infrastructure
- ✓Institutional scale and credibility for banks and fintechs
Cons
- ✗Not a retail exchange - institutional clients only
- ✗No retail app or self-service interface
- ✗High onboarding threshold
- ✗English-only interface; no Baltic/Nordic localisation
- ✗Focus on payments and stablecoin, not broad spot trading
- ✗Exact LU entity name still to be confirmed in the registers
Full review
Ripple - a MiCA CASP institutional payments infrastructure
Ripple is a global digital-asset and cross-border payments company that received a full MiCA crypto-asset service provider (CASP) licence from Luxembourg's Commission de Surveillance du Secteur Financier (CSSF) on 6 July 2026. Combined with its existing EU electronic money institution (EMI) licence, it is a dual licence. Ripple is not a retail exchange: it supplies regulated crypto-asset and stablecoin payments infrastructure to banks, fintechs and corporates.
Licensing
Luxembourg's CSSF granted Ripple full MiCA CASP authorisation on 2026-07-06 (a preliminary 'Green Light' letter on 2026-06-23). The licence grants an EU passport across all 30 EEA countries. Together with its EU EMI licence (February 2026), Ripple becomes one of the few digital-asset firms with full MiCA authorisation, letting clients collect, exchange and pay out through a single integration.
The company
Ripple was founded in 2012 (headquartered in San Francisco). It is closely associated with the XRP Ledger and XRP, and its core products are Ripple Payments (cross-border) and the RLUSD stablecoin ($300M+ in circulation in Q1 2026). Ripple is one of the most licensed crypto companies in the world, with 75+ regulatory licences globally.
Who it is for
Ripple is aimed at banks, fintechs and corporates that want regulated crypto-asset and stablecoin payments infrastructure with EU compliance. It is not available to retail users - individuals should see Bitvavo, Coinmotion, Kraken or other retail exchanges.