Ripple has secured new regulatory approvals in the UK, receiving both an Electronic Money Institution licence and a Cryptoasset Registration from the Financial Conduct Authority. The Ripple UK FCA approvals enable the company to expand its payment services for UK clients using digital assets.
With the approvals in place, Ripple can support cross-border payments that use stablecoins, cryptocurrencies, and local currencies. Its Ripple Payments platform provides a single system for real-time global transactions and has recently been adopted by institutions including Swiss crypto bank Amina, UAE-based Zand Bank, and Mamo.
Ripple now holds more than 75 licences worldwide. The UK authorisation brings the country into Ripple Payments’ operational network, which already includes the United States, Australia, Brazil, Dubai, Mexico, and Switzerland. The company said approvals for the European Union are still pending.
“We are rapidly moving beyond pilots into a new era where blockchain and digital assets serve as critical infrastructure for the global economy,” said Monica Long, president at Ripple. She added that extending Ripple’s licensing footprint and payments capabilities is “about more than just efficiency; it is about unlocking trillions in dormant capital and realising a world where value moves instantaneously.”
Ripple described the UK as a central part of its global strategy, noting that London has hosted its largest office outside the US since 2016. The company said it has made continued investments in the UK, including year-on-year headcount growth and support for the local blockchain and developer ecosystem. The Ripple UK FCA approvals further reinforce that long-term commitment.
Ripple was valued at more than $40 billion following a $500 million funding round completed in November 2025. The company has also expanded through acquisitions, including the $1 billion purchase of treasury management system GTreasury in October 2025, alongside earlier acquisitions of prime broker Hidden Road and payment infrastructure fintech Rail in the same year.