Luxembourg · Payments & e-money
Ripple Payments Europe S.A.
Ripple Payments Europe S.A. is a Luxembourg société anonyme with its registered office at 53 boulevard Royal, Luxembourg. The Commission de Surveillance du Secteur Financier (CSSF) authorises it as an electronic money institution (EMI). The CSSF also authorises it as a crypto-asset service provider (CASP) under the Markets in Crypto-Assets Regulation (MiCA). It belongs to the Ripple group, whose ultimate parent is Ripple Labs Inc. of the United States. It provides the Ripple Payments cross-border payment service and crypto-asset exchange and transfer services, to institutional customers only.
Licences and registrations
Held by Ripple Payments Europe S.A. (LEI 2549000KEHDV2LWRRZ45). 2 entries on 2 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterCommission for the Supervision of Financial Sector | Electronic money institutionE-Money / Stored Value Institution | W00000021 | Luxembourg | Active | 2026-01-29 | — |
|
Search the register ↗ |
| ESMA interim MiCA register of crypto-asset service providersCommission de Surveillance du Secteur Financier (CSSF) | Crypto-asset service providerCrypto-Asset Service Provider | 2549000KEHDV2LWRRZ45 | Luxembourg | Active | 2026-06-29 | — |
|
Search the register ↗ |
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
Firm type
FX and business payments
Trades as Ripple
- Ownership
- The firm is part of the Ripple group, and its LEI record reports Ripple Labs Inc. as its ultimate accounting-consolidation parent.
- Ultimate owner
- Ripple Labs Inc., United States
- Head office
- 53 boulevard Royal, L-7222 Luxembourg, Luxembourg
- Company register
- Luxembourg Business Registers (RCS) B295187
- Incorporated
- 2025
Online
- Websites & references
- ripple.com ↗
docs.ripple.com ↗ technical documentation (group)
home.ripple.com ↗ customer login (group) - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · YouTube ↗
Sources · 12 pages consulted
- ripple.com/legal/compliance/
- ripple.com/legal/complaints-dispute-resolution/
- ripple.com/
- ripple.com/legal/money-transfer-license/
- ripple.com/ripple-press/ripple-receives-full-eu-mica-casp-license/
- ripple.com/ripple-press/ripple-secures-preliminary-MiCA-CASP-license/
- ripple.com/ripple-press/ripple-receives-full-eu-electronic-money-institution-license-in-luxembourg/
- ripple.com/company/leadership/
- ripple.com/ripple-press/ripple-announces-500-million-strategic-investment-led-by-fortress-citadel-se
- lei.bloomberg.com/leis/view/2549000KEHDV2LWRRZ45
- fi.ee/en/investment-market/crypto-asset-service-provider-casp/cross-border-crypto-asset-service
- coindesk.com/markets/2026/02/02/ripple-secures-full-eu-e-money-license-in-luxembourg
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The CSSF authorises the firm as an electronic money institution under the Luxembourg Law of 10 November 2009 (registration W21). The CSSF also authorises it as a crypto-asset service provider under MiCA (registration N14). The CASP authorisation covers exchange of crypto-assets for funds or for other crypto-assets and transfer services. The firm states that it is not authorised for custody, portfolio management, investment advice or order execution.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Commission de Surveillance du Secteur Financier (CSSF) Luxembourg | Electronic Money Institution (EBA register W00000021) | W21 | In its own name | Active | ripple.com ↗ |
| Commission de Surveillance du Secteur Financier (CSSF) Luxembourg | Crypto-Asset Service Provider under MiCA (Regulation (EU) 2023/1114) | N14 | In its own name | Active | ripple.com ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm states that it keeps customers' funds apart from its own in designated safeguarding accounts with authorised credit institutions in the EEA, under Article 24-10 of the Law of 10 November 2009.
- Crypto-asset custody
- Not disclosedThe firm exchanges and transfers crypto-assets including USDC, BTC, ETH, LTC, BCH and XRP for institutional customers. It states that its authorisation does not include custody and administration of crypto-assets for clients.
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
It offers the Ripple Payments cross-border payment service, using e-money, stablecoins and crypto-assets. It also exchanges crypto-assets for funds or other crypto-assets and transfers crypto-assets, for institutional customers only.
It provides crypto-asset services from Luxembourg on a freedom-of-services basis to 29 other states of the European Economic Area (EEA). It also passports its EMI licence into the EEA.
- Sells to
- Financial institutions · Enterprises · Small businesses
- Serves customers in 30 countries
- Luxembourg · Austria · Belgium · Bulgaria · Croatia · Cyprus · Czechia · Denmark · Estonia · Finland · France · Germany · Greece · Hungary · Iceland · Ireland · Italy · Latvia · Liechtenstein · Lithuania · Malta · Netherlands · Norway · Poland · Portugal · Romania · Slovakia · Slovenia · Spain · Sweden
- Latest funding round
- Strategic investment (group level, Ripple Labs Inc.) · USD 500m Nov 2025Led by Fortress Investment Group (affiliated funds), Citadel Securities (affiliates), Pantera Capital, Galaxy Digital, Brevan Howard, Marshall Wace
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Cassie Craddock Managing Director, UK & Europe, Ripple (group role)
Recent events
Researched 29 Sep 2026 · Sources
-
Licence
The CSSF authorised the firm as a crypto-asset service provider under MiCA, following preliminary approval in June 2026.
ripple.com ↗ -
Licence
The CSSF gave preliminary approval to the firm's CASP application, subject to final conditions.
ripple.com ↗ -
Licence
Ripple announced that the CSSF had granted full EMI authorisation, following preliminary approval in January 2026.
ripple.com ↗ -
Funding
Ripple Labs Inc., the group parent, announced a USD 500 million strategic investment at a USD 40 billion valuation.
ripple.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
- Licence no. · EBA-PSD2
- W00000021
- Licence no. · ESMA-CASP
- 2549000KEHDV2LWRRZ45
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Published by the register
- Elucidate firm ID
- 1d707a8aeba4
Profile
- Type
- Payments & e-money · CryptoPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Main licence class
- Crypto-Asset Service Provider
- Activities
- Money remittance
- Payment services
- E-money / stored value
- Crypto-assets
- Licensed in
- Luxembourg · Europe & Central Asia
- First registered
- 2026-01-29
- Website
- ripple.com ↗
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
- Ultimate parent
- Ripple Labs Inc. · United States9845001L01C142EE4094 ↗
The Ripple Labs Inc. group has 3 institutions in the directory, in 3 countries: none holds a BIC.
Including Ripple Markets UK LTD, Ripple Labs Cayman Ltd..
See the Ripple Labs Inc. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- 53, Boulevard Royal, L-2449 Ville-Haute Luxembourg, Luxembourg, L-Luxembourg
- Country
- Luxembourg
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in two address lines
<FinInstnId>
<LEI>2549000KEHDV2LWRRZ45</LEI>
<Nm>Ripple Payments Europe S.A.</Nm>
<PstlAdr>
<PstCd>L-Luxembourg</PstCd>
<TwnNm>Luxembourg</TwnNm>
<Ctry>LU</Ctry>
<AdrLine>53, Boulevard Royal</AdrLine>
<AdrLine>L-2449 Ville-Haute Luxembourg</AdrLine>
</PstlAdr>
</FinInstnId>- The address line repeats the town or postcode. Remove the repeat if your payment system rejects it.
CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Registers for this page
- EBA PSD2 Register—European Banking Authority (EBA) · source ↗ as at 25 September 2026
- ESMA interim MiCA register of crypto-asset service providers—European Securities and Markets Authority (ESMA) · source ↗ as at 25 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
Assess the financial crime risk behind a licence
A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
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