Ripple obtained full approval of the electronic money institution from the Luxembourg financial regulator on Monday, bringing its number of global licenses beyond 75, but XRP (CRYPTO:XRP) plunged to $1.64 despite regulatory milestone.
Luxembourg’s Commission de Surveillance du Secteur Financier has granted Ripple final EMI authorization, transforming the preliminary approval from January 14 into a full license.
This allows Ripple to expand its payment and digital asset services across the European Union.
Building on recent momentum, Ripple received an EMI license and crypto asset registration from the UK’s Financial Conduct Authority last month.
The UK’s approval comes as the government advances plans to fully regulate crypto by 2027.
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Ripple’s licensing portfolio now exceeds 75 global approvals, positioning it as one of the most licensed companies in crypto.
The Luxembourg license specifically accelerates Ripple Payments, the company’s cross-border payments product aimed at banks, fintechs and corporate clients.
Beyond licensing, Ripple launched Ripple Treasury last week following its acquisition of GTreasury for $1 billion in October 2025.
The platform integrates cash and digital asset management using Ripple’s RLUSD stablecoin for cross-border settlements.
Additionally, Ripple entered into a multi-year partnership with LMAX Group last month, including a financial commitment of $150 million.
LMAX will integrate RLUSD as collateral on its institutional trading platforms.
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XRP rallied 4% on Monday, but remains trapped in a serious downtrend after plunging through several support levels.
The token is now testing critical support at $1.60, a key psychological level that has held historically.
A break below $1.60 signals further selling with minimal structural support between current levels and lower areas.
The Supertrend indicator sits at $1.9280, firmly bearish and well above current prices.
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Meanwhile, the parabolic SAR at $1.7631 acts as dynamic resistance.
Immediate resistance appears around $1.76-$1.77, then $1.90-$1.93. The technical bias remains strongly bearish unless XRP stabilizes and reclaims $1.76 with conviction.
The gap between Ripple’s regulatory progress and XRP price action highlights a fundamental challenge, as the expansion of Ripple’s business through licensed payment services does not translate directly into demand for XRP.
Many of Ripple’s services, including cross-border payments and cash management, can operate without requiring XRP as a settlement asset.
Ripple’s 75+ licenses demonstrate institutional legitimacy and create infrastructure for regulated crypto adoption, but potentially without driving the XRP utility.
Image: Shutterstock
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This article Ripple scores a big regulatory victory in Europe: so why is XRP bleeding? originally appeared on Benzinga.com
