EU CRYPTO REGISTER · AUTHORISED · LAST VERIFIED
Is Ripple Payments Europe S.A. licensed under MiCA in the European Union?
Ripple Payments Europe S.A.'s European entity (Ripple Payments Europe S.A.) is recorded as an authorised Crypto-Asset Service Provider under the EU's Markets in Crypto-Assets Regulation, with its authorisation issued by Luxembourg on 29 June 2026.
Verdict: Ripple Payments Europe S.A. appears in the ESMA Register of MiCA-Authorised CASPs.
| Legal entity | Ripple Payments Europe S.A. |
|---|---|
| Home Member State | Luxembourg |
| National Competent Authority | Commission de Surveillance du Secteur Financier (CSSF) |
| Authorisation date | |
| Legal Entity Identifier (LEI) | 2549000KEHDV2LWRRZ45 |
| Authorised services | Exchange for funds, Exchange for crypto, Transfer services |
Source: ESMA Register of Crypto-Asset Service Providers. Retrieved 18 July 2026.
Which crypto services is Ripple Payments Europe S.A. authorised to offer in the EU?
Under its MiCA authorisation issued by Commission de Surveillance du Secteur Financier (CSSF), Ripple Payments Europe S.A. (Ripple Payments Europe S.A.) is approved to provide the following services to EEA residents. Each service is defined in Article 3(1)(16) of Regulation (EU) 2023/1114.
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Exchange of crypto-assets for funds
The exchange offers crypto-to-fiat (e.g. BTC to EUR) and fiat-to-crypto conversion. Authorisation here implies MiCA's pricing transparency requirements.
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Exchange of crypto-assets for other crypto-assets
The exchange offers crypto-to-crypto trading (e.g. BTC to ETH). Required for most spot trading pairs not denominated in fiat.
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Providing transfer services for crypto-assets on behalf of clients
The exchange can move crypto between addresses on your behalf, including off-platform withdrawals. The Travel Rule applies to these transfers.
Which services is Ripple Payments Europe S.A. not authorised to offer?
Ripple Payments Europe S.A.'s MiCA licence does not cover: Custody, Trading platform, Order execution, Placing, Order R&T, Advice, Portfolio mgmt. These services may still be offered by other authorised providers, or by Ripple Payments Europe S.A. under a different regulatory framework (for example, derivatives may fall under MiFID II rather than MiCA). Source: ESMA Register, retrieved 18 July 2026.
See other MiCA-authorised exchanges by service:
Why is Ripple Payments Europe S.A. licensed in Luxembourg?
Luxembourg's CSSF is known for institutional finance regulation and offers a credible base for exchanges aiming at the institutional segment. Coinbase and Bitstamp both selected Luxembourg for their MiCA hub. Source: Commission de Surveillance du Secteur Financier (CSSF).
| National Competent Authority | Commission de Surveillance du Secteur Financier (CSSF) |
|---|---|
| Investor compensation | AGDL covers eligible deposits up to €100,000. |
| Regulatory context | Reputation as a stable, institutional-grade EU venue. |
What does this mean for users of Ripple Payments Europe S.A. in the EU?
If you transact through Ripple Payments Europe S.A.'s EEA-authorised entity (Ripple Payments Europe S.A.), the protections introduced by MiCA apply to your relationship from onwards. In practical terms this means: client crypto-assets are ring-fenced from the exchange's own funds (Article 70 MiCA), the authorised entity holds prudential capital, has formal complaint-handling procedures, and is subject to transparency obligations on fees and order execution. Source: Regulation (EU) 2023/1114.
One thing to verify yourself: the legal entity you contract with day-to-day must match the entity in the ESMA register. Some global exchanges operate multiple legal entities under one brand. Confirm in Ripple Payments Europe S.A.'s terms of service that your contracting entity is Ripple Payments Europe S.A., not a non-EEA affiliate.
Which MiCA-authorised exchanges are alternatives to Ripple Payments Europe S.A.?
Three MiCA-authorised providers to consider. Drawn from the ESMA register, never paid placement.
| Provider | Home Member State | Authorised | Services |
|---|---|---|---|
| Alaric Securities | Bulgaria | 9 services | |
| NOEMON TECH LTD | Cyprus | 9 services | |
| OKX | Malta | 9 services |
Related reading
Understand the regulatory context behind Ripple Payments Europe S.A.'s entry on the register:
Frequently asked questions about Ripple Payments Europe S.A. and MiCA
Is Ripple Payments Europe S.A. licensed under MiCA?
Yes. Ripple Payments Europe S.A. appears in the ESMA Register of MiCA-Authorised Crypto-Asset Service Providers, with its authorisation issued by the competent authority of Luxembourg.
Which EU countries can Ripple Payments Europe S.A. serve under this licence?
A MiCA authorisation in one EEA member state permits passporting across all EEA member states, subject to a notification process to each host-state regulator.
Are my crypto-assets on Ripple Payments Europe S.A. protected under MiCA?
MiCA introduces ring-fencing of client crypto-assets, prudential capital requirements for the authorised entity, complaint-handling obligations, and conduct rules. It does not provide a deposit-guarantee scheme equivalent to bank deposit insurance.
What's the difference between the authorised entity and the global brand?
Some global exchanges operate multiple legal entities. The MiCA authorisation applies only to the specific legal entity in the ESMA register, not to the global brand. Verify the contracting entity in Ripple Payments Europe S.A.'s terms of service.
Where can I check the official record?
The ESMA register publishes the authoritative list and updates it weekly. The direct link to Ripple Payments Europe S.A.'s entry is on this page under 'Sources'.
Sources
This page is updated weekly. Last verified . If you believe any information on this page is inaccurate, write to our contact page.