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Ripple has secured a critical regulatory foothold in the European Union, marking the firm’s second major licensing victory in less than a week. On Jan. 14, the crypto-focused payment company announced it received preliminary approval from Luxembourg’s regulator, the Commission de Surveillance du Secteur Financier (CSSF), for an Electronic Money Institution (EMI) licence. While the approval is technically preliminary, Ripple has framed the move as the strategic gateway that will allow it to passport its services across the 27 member states of the EU. This places the firm on a collision course with the region’s traditional banking infrastructure just as the Markets in Crypto-Assets (MiCA) regulation reshapes the competitive landscape. A dual-Hub Strategy and Global Momentum Ripple’s Luxembourg license is not an isolated event but the latest component of a carefully orchestrated two-hub strategy for Europe. The move comes only days after Ripple confirmed it had secured approvals from the UK Financial Conduct Authority (FCA) for an EMI licence and cryptoasset registration. Related Reading Ripple is winning on Wall Street and in the UK, but the XRP Ledger is losing users fast and the split will define 2026 XRP’s institutional gains mask on-chain liquidity challenges, as Wall Street’s interest grows. Jan 9, 2026 · Oluwapelumi Adejumo This combined regulatory buildout positions Ripple with a dual-anchored operating model that uses London to service the UK’s deep treasury and FX markets, while leveraging Luxembourg to access the broader European Single Market. Indeed, the regulatory permissions are already being stress-tested by live banking deployments. Last December, Ripple announced that AMINA Bank had become Ripple Payments’ first European bank customer. The Swiss-based bank is using Ripple’s licensed end-to-end payments solution for near real-time cross-border transfers. Monica Long, Ripple’s President, said: “The EU was amongst the first major jurisdictions to introduce comprehensive digital assets regulation,…

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Filed under: News - @ January 15, 2026 3:27 pm