Ripple Payments Europe S.A.

About this institution

Dated events for Ripple Payments Europe S.A., from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.

1. 06 Sept 2026

   Cross-checked against the Commission de Surveillance du Secteur Financier register

   Automated daily verification of licence status and reference.

2. 06 Jul 2026

   First verified and added to this directory

3. 29 Jan 2026

   Licence granted by the Commission de Surveillance du Secteur Financier

Position in the Luxembourg register

Ripple Payments Europe S.A. is one of 18 e-money institutions on the Luxembourg register, 18 of which are currently active. Its licence is the 15th oldest of the 18 dated Luxembourg EMI authorisations, one of 4 granted in 2026.

Is your money safe with Ripple Payments Europe S.A.?

Ripple Payments Europe S.A. holds an e-money authorisation from Commission de Surveillance du Secteur Financier, which means client money must be safeguarded: held separately from the firm's own funds at a credit institution, or covered by an equivalent insurance policy. E-money is not a bank deposit - it is not covered by a national deposit guarantee scheme, so there is no automatic compensation payout if the firm fails.

If an authorised EMI becomes insolvent, safeguarded funds sit outside the insolvency estate and are returned to customers by the administrator - repayment can take time, and administration costs may be deducted along the way.

How e-money safeguarding works → Verify on the register →

Under the EU passporting regime, Ripple Payments Europe S.A. can provide services across the following EEA jurisdictions, in addition to its home authorisation in Luxembourg.

• Netherlands4
• Spain4
• Sweden4
• Croatia4
• Bulgaria4
• Cyprus4
• Romania4
• Iceland4
• Liechtenstein4
• Poland4
• France4
• Lithuania4
• Hungary4
• Denmark4
• Finland4
• Belgium4
• Greece4
• Norway4
• Italy4
• Estonia4
• Austria4
• Ireland4
• Slovakia4
• Germany4
• Czech Republic4
• Portugal4
• Slovenia4
• Malta4
• Latvia4

Authorised activities (PSD2 / EMD2)

Payment-services activities Ripple Payments Europe S.A. is permitted to carry out under its licence, as recorded in the register.

• ✓Issuance of electronic moneyEMI_ISSUANCE
• ✓Money remittancePSD2_6
• ✓Execution of payment transactions on a payment accountPSD2_3
• ✓Execution of payment transactions where funds are covered by credit linePSD2_4
• ✓Safeguarding of customer fundsSAFEGUARDING

Frequently asked questions

Is Ripple Payments Europe S.A. a licensed e-money institution?

Yes. Ripple Payments Europe S.A. holds EMI authorisation from Commission de Surveillance du Secteur Financier in Luxembourg, licence reference W00000021. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.

Who regulates Ripple Payments Europe S.A.?

Ripple Payments Europe S.A. is authorised and supervised by Commission de Surveillance du Secteur Financier in Luxembourg. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.

What is Ripple Payments Europe S.A.'s licence or FRN number?

Ripple Payments Europe S.A.'s licence reference number is W00000021. Enter it on the EBA EUCLID register at euclid.eba.europa.eu to confirm the institution's identity and that its authorisation is in force.

Is Ripple Payments Europe S.A. authorised in other EEA countries?

Yes. Ripple Payments Europe S.A. is passported to 29 EEA jurisdictions, meaning it can provide e-money and payment services across those countries on its home authorisation.

Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.

Other licensed institutions in Luxembourg

• 3S Money (Luxembourg) S.A.
• AIEU Services Limited S.A.
• Amazon Payments Europe S.C.A.
• Bridge Building S.A.
• Coinbase Luxembourg S.A.
• CPS Europe S.A.
• Dock Financial S.A.
• dtcpay Luxembourg S.A.

View all institutions in Luxembourg →

Registered office

Street

53, Boulevard Royal

City

Luxembourg, L-Luxembourg