Ripple is preparing to enter the EU market with a MiCA license
Date: 2025-07-16 Author: Gabriel Deangelo Categories: BUSINESS
Ripple is taking active steps to expand its operations in the European Union. It became known that the company is going to apply for a license in accordance with the Markets in Crypto Assets (MiCA) regulation. This European law gradually comes into force from 2024 to 2025 and is designed to create uniform rules for all participants in the crypto market in the EU.
To implement its plans, Ripple has already registered a subsidiary, Ripple Payments Europe S.A., in Luxembourg. This step opens the way for the company to officially enter the local market. In addition, there are reports that Ripple has applied for an electronic money institution license in the same country, but the company's representatives declined to comment on these rumors.
The company itself emphasizes that Europe remains a strategic region. The management sees huge potential for developing solutions related to payments and the issuance of stablecoins. Obtaining a MiCA license will allow Ripple to offer its products throughout the EU without the need for approval in each country separately, which significantly simplifies and speeds up the process.
Luxembourg was not chosen as a base for promoting Ripple in Europe by chance. Earlier, it was here that Coinbase was able to obtain a MiCA license and open its headquarters. In addition, Bitstamp and Clearstream also obtained permits through the local regulator, which emphasizes the attractiveness of the jurisdiction for crypto companies.
Amid increasing competition for the European market, Ripple is seeking to take a place among the first companies that will fully comply with the new MiCA rules. Such a move will not only strengthen the company's position in Europe, but may also affect its global image. Analysts note that successful integration in Europe could become a lever of pressure on American regulators, where Ripple is still completing litigation with the SEC.
In parallel with the plans for Europe, it became known that in July the company applied for a banking license in the United States. If it is approved, the RLUSD stablecoin will come under the regulation of the OCC — the Office of the Comptroller of the Currency, which will simplify compliance with local requirements.
Against this background, activity in Europe looks like a logical continuation of Ripple's global strategy to strengthen its position in key markets. Among other participants in the race for MiCA licenses, Bitvavo, which received permission in the Netherlands, recently appeared.
All these steps show that the European market remains one of the most attractive areas for the crypto industry, especially in the context of the emergence of uniform regulatory standards that can ensure stability and transparency for investors and users.
