Ripple Payments Europe
Luxembourg MiCA-authorised crypto exchange and transfer entity with separate EMI status
Ripple Payments Europe S.A. is listed in ESMA's MiCA register for exchange of crypto-assets for funds, crypto-to-crypto exchange, and transfer services across the disclosed EEA passport footprint. Ripple separately identifies the same Luxembourg entity as a CSSF-authorised electronic-money institution and explains that customer funds are safeguarded rather than bank deposits. The MiCA and EMI permissions are kept distinct and are not generalized to every Ripple group product.