Ripple is accelerating its push into regulated global payments, securing another key approval in Europe as it expands its footprint across major financial hubs.

The blockchain-focused payments company said it has received preliminary authorization for an Electronic Money Institution license in Luxembourg, marking its second major regulatory milestone in just a week.

Key Takeaways

• Ripple secured preliminary EMI approval in Luxembourg, reinforcing its regulatory expansion across Europe.

• The company now holds more than 75 licenses and registrations globally, placing it among the most regulated crypto firms.

• Ripple Payments has processed over $95 billion in volume and now reaches about 90% of daily FX markets.

The green light came from Luxembourg’s financial watchdog, clearing an important hurdle toward full EMI approval and allowing Ripple to deepen its presence across the European Union. The move follows closely after the company obtained both an EMI license and cryptoasset registration in the UK, strengthening its ability to serve banks and institutions on both sides of the Channel.

Together, the latest approvals add to a growing list of regulatory clearances that now exceeds 75 licenses and registrations worldwide. That scale of oversight places Ripple among the most regulated players in the digital assets sector, a position the company sees as increasingly important as financial institutions move away from legacy systems toward real-time, always-on payment infrastructure.

We’ve secured our preliminary Electronic Money Institution license approval from Luxembourg’s Commission de Surveillance du Secteur Financier (CSSF). ??

This is a pivotal step toward scaling Ripple Payments across the EU, bringing institutional-grade digital asset infrastructure… pic.twitter.com/GW3c9gVhDs

— Ripple (@Ripple) January 14, 2026

Ripple Payments Scales Across FX Markets

At the center of this expansion is Ripple Payments, the firm’s end-to-end cross-border settlement platform. By handling blockchain infrastructure and operational complexity behind the scenes, the system allows businesses to launch global payment services without building their own networks. This approach is designed to reduce costs and speed up deployment for institutions entering digital payments.

According to the company, Ripple Payments already reaches roughly 90% of daily foreign exchange markets and has processed more than $95 billion in transaction volume to date, underlining the scale it has achieved beyond pilot projects.

Ripple executives point to Europe’s regulatory certainty as a key factor behind the shift from experimentation to live commercial use. The EU’s early adoption of comprehensive digital asset rules has provided institutions with clearer guidelines, making it easier to deploy blockchain-based payment solutions at scale.

Luxembourg’s Role in Ripple’s European Strategy

Luxembourg plays a strategic role in this expansion. The preliminary approval, issued as a formal “Green Light Letter,” signals regulatory confidence while paving the way toward full authorization, subject to standard conditions. Ripple says the country’s harmonized framework offers legal certainty for clients adopting blockchain payments across the EU.

With offices across major European financial centers including London, Dublin, Luxembourg, Geneva, and Reykjavik, Ripple continues to deepen its presence in the region. As regulatory momentum builds in both the EU and the UK, the company is positioning itself as a core infrastructure provider for compliant, global digital payments.