Last Revised: January 15, 2026
Regulatory Compliance and Disclosures
Ripple Labs Inc. and its subsidiaries (collectively “Ripple”) are committed to ensuring that the organization is not used to launder money, finance terrorism, evade government sanctions or otherwise facilitate criminal activity. It is Ripple’s policy to comply fully and continuously with Anti-Money Laundering (“AML”), counter-financing of terrorism (“CTF”), and anti-proliferation financing (“APF”) regulatory requirements in the jurisdictions in which it operates.
Ripple Markets UK Ltd
Ripple Markets UK Ltd is a private limited company registered in England with company number 10145333 and registered office at 5 Churchill Place, 10th Floor E14 5HU. Ripple Markets UK Ltd (FRN: 1028021) is authorised and regulated by the Financial Conduct Authority (“FCA”) as an Electronic Money Institution. It is also registered with the FCA as a cryptoasset business under the Money Laundering, Terrorist Financing and Transfer for Funds (Information on the Payer) Regulations 2017 (as amended), subject to conditions.
Client Money Disclosure: Ripple is required to safeguard all relevant funds received from clients in exchange for e-money or for the execution of payment transactions, in accordance with the EMRs and FCA Handbook. Ripple safeguards your funds by holding them separately from its own funds in one or more designated safeguarding accounts with authorised credit institutions. Ripple will not use your funds for its own business purposes or lend them to any third party.
In the event of Ripple's insolvency, your funds held in safeguarding accounts are intended to be protected from claims by Ripple's creditors and would be returned to you in priority to other creditors, subject to the costs of any insolvency practitioner appointed to manage the process. There may be a delay in the return of your funds compared to a bank failure. Ripple does not pay interest on safeguarded funds.
Because Ripple is not a bank, the e-money services it provides are not covered by the Financial Services Compensation Scheme ('FSCS'). However, if a credit institution holding your safeguarded funds were itself to fail, eligible customers may be entitled to compensation under the FSCS (currently up to £85,000 per eligible person per institution). Ripple exercises due skill and care in selecting and reviewing the credit institutions with which it holds safeguarded funds but does not guarantee their solvency.
Ripple Middle East Limited
Ripple Middle East Limited is a company registered in the Dubai International Financial Centre and is regulated by the Dubai Financial Services Authority. DFSA Reference Number: F008529
Ripple Middle East Limited has assessed the following Crypto tokens as suitable under DFSA GEN Rule 3A.2.1(2)(a):
- XRP, XRP Ledger
- Bitcoin (BTC), Bitcoin Network
- Ethereum (ETH), Ethereum Mainnet
Crypto Risk Warning: Crypto Tokens can be subject to extreme volatility and the value of the Crypto Token can fall as quickly as it can rise. An investor in Crypto Tokens may lose all, or part, of their money. Crypto Tokens may not always be liquid or transferable. Investments in Crypto Tokens may be complex making it hard to understand the risks with buying, selling, holding or lending them. Crypto Tokens can be stolen because of cyber attacks. Investing in, and holding, Crypto Tokens is not comparable to investing in traditional investments such as Securities.
Client Money Disclosure: Ripple Middle East Limited ('Ripple') may hold Client Money on your behalf under the DFSA's Conduct of Business Rulebook. Client Money will be held separately from Ripple's own funds in one or more designated Client Money Accounts with an authorised Bank in the UAE, and may be pooled with other clients' Client Money. Ripple will not use Client Money for its own account and will not pay interest on it.
In the event of Ripple's insolvency, winding up, or other Distribution Event, Client Money will be subject to the DFSA's Client Money Distribution Rules. In the event of failure of the Bank holding your Client Money, you may lose all or part of that money. Ripple exercises due skill, care, and diligence in selecting and reviewing Banks but does not guarantee their solvency.
Ripple may realise Client Money held on your behalf in satisfaction of a default by you, and may close out or liquidate contracts or positions where permitted under this Agreement or the DFSA Rules. Your account with Ripple is not a bank account and Client Money is not covered by any depositor insurance or compensation scheme.
Ripple Payments Europe S.A.
Ripple Payments Europe S.A. is a public limited company (Société Anonyme) incorporated in Luxembourg with its registered office at 53 boulevard Royal Luxembourg]. Ripple Payments Europe SA is authorized and regulated as an Electronic Money Institution by the Commission de Surveillance du Secteur Financier (CSSF) under the registration number W21.
Client Money Disclosure: Ripple is required to safeguard all funds received from you in exchange for electronic money, in accordance with Article 24-10 of the Law of 10 November 2009. Ripple safeguards your funds by holding them separately from its own funds in one or more designated safeguarding accounts with authorised credit institutions in the European Economic Area. Ripple will not use a clients’ funds for its own business purposes or lend them to any third party. Ripple does not pay interest on electronic money issued.
You have the right to redeem the monetary value of your electronic money at par value at any time, in accordance with Articles 24-3 to 24-5 of the Law of 10 November 2009.
In the event of Ripple's insolvency, safeguarded funds are ring-fenced from Ripple's general estate and cannot be claimed by Ripple's other creditors. Your claim over those funds takes priority. However, the return of your funds may take longer than it would with a bank and may be subject to the costs of any insolvency proceedings. If the credit institution holding your safeguarded funds were itself to fail, you may be entitled to compensation under the Fonds de Garantie des Dépôts Luxembourg ('FGDL'), currently up to €100,000 per depositor per institution, subject to the eligibility conditions of the FGDL scheme. Ripple exercises due skill and care in selecting and reviewing the credit institutions with which it holds safeguarded funds but does not guarantee their solvency.
Because Ripple is not a credit institution, the electronic money and payment services it provides are not themselves covered by the FGDL deposit guarantee scheme. The FGDL protection described above applies only in the event of a failure of the credit institution where the safeguarded funds are held, not in the event of a failure of Ripple itself.
Global Anti-Bribery and Corruption (“ABC”) Statement
Ripple Labs Inc., its subsidiaries, and its employees (collectively “Ripple” or “the Company”), is committed to conducting business in accordance with the highest ethical standards. Our leadership has established the LEGGOS values of “Own It” and “Say It” as core values for conduct for Ripple and its employees (inclusive of contractors and interns).These values include zero tolerance for any activity involving bribery or corruption or the appearance of bribery or corruption in any jurisdiction in which we operate and a strong value of reporting of activities that may not fit with the Company’s risk appetite.
The Global Code of Conduct, and internal policies set forth general standards of conduct and ethical behavior that is expected from all persons that support the firm, whether it be an employee, contractor or intern. Ripple reinforces these standards through regular leadership communication, training and management oversight of direct reports, including Ripple team members taking steps to imbed such values when dealing with third parties who provide services to the Company.
As part of this global ethics and compliance program, Ripple has adopted ABC policies and procedures to ensure compliance with the U.S. Foreign Corrupt Practices Act, the U.K. Bribery Act 2010, the Irish Criminal Justice (Corruption Offences) Act 2018, the Singapore Prevention of Corruption Act 1960 and other anti-corruption laws that apply to the company in the countries in which we do business (“Anti-Bribery Laws”).
These ABC policies and procedures provide important guidelines and set minimum standards for all employees to follow when doing business with third parties, including applying heightened safeguards around our employees’ interactions with individuals who work at government entities and companies that are state-owned or controlled (“Government Officials”).
Ripple does not authorize, involve itself in, or tolerate any business practice or employee action – even if considered “customary” in a particular region – that does not fully comply with our ABC policies and procedures, or Anti-Bribery Laws.
Ripple mandates employee participation in ongoing training that details our ABC policies and procedures and employees’ roles and responsibilities.In particular, employees are:
- Strictly prohibited from offering, making, or accepting a bribe; or making a facilitation payment1, either directly or through a third party - for any reason.
- Subject to a pre-approval process for the exchange of gifts, travel, or entertainment with Government Officials, and notification requirement in instances of accepting the same from, or offering to, anyone with whom Ripple does or wishes to do business, beyond items of de minimis value.
- Required to recruit and hire based on candidates’ merit and achievements. While third party referrals are permitted, hiring will not be done in exchange for favors or benefits to Ripple.
Ripple is committed to supporting global initiatives such as financial inclusion, sustainability, blockchain research and innovation and empowering Ripple employees to give back in our communities. All charitable donation and partnership requests are independently assessed for consideration, with full due diligence being conducted on the non-profits that we support to ensure compliance with Ripple’s ABC policies and procedures.
Considering the heightened bribery and corruption risks associated with third parties (including introducers, vendors, agents and business partners), Ripple subjects these relationships to risk-based due diligence, monitoring and oversight.
Ripple expects all employees to act ethically and has established a confidential ethics hotline to encourage reporting of actions that violate the Company’s ABC policies or Anti-Bribery Laws.
Singapore Digital Payment Token Services Statement
Ripple Markets APAC Pte. Ltd. is licensed by the Monetary Authority of Singapore (MAS) to provide Digital Payment Token (DPT) Services.
RISK WARNING ON DPT SERVICES
The MAS requires us to provide this risk warning to you as a customer of a DPT service provider.
Before you pay your DPT service provider any money or DPT or pay a third party any money or DPT under an arrangement by your DPT service provider, you should be aware of the following.
1. Your DPT service provider is licensed by MAS to provide DPT services. Please note that this does not mean you will be able to recover all the money or DPTs you paid to your DPT service provider or any other third party referred to above, if your DPT service provider’s or the third party’s business fails.
2 You should be aware that MAS does not supervise or regulate your DPT service provider for the provision of unregulated services. This includes any service of trading digital payment token derivatives,such as futures.
3. You should not transact in the DPT if you are not familiar with the DPT. This includes how the DPT is created and how the DPT you intend to transact is transferred or held by your DPT service provider.
4. You should be aware that the value of DPTs may fluctuate greatly. You should buy DPTs only if you are prepared to accept the risk of losing all of the money you put into such tokens.
5. You should be aware that your DPT service provider, as part of its licence to provide DPT services, may offer services related to DPTs which are promoted as having a stable value, commonly known as “stablecoin”.
1Facilitation payments are minimal gratuities provided to low-level Government Officials to perform routine, non-discretionary functions, such as customs clearance, police protection, vehicle registration, visa renewal, and utilities, cargo or similar services. While the FCPA permits facilitation payments in some circumstances, other laws, such as the UK Bribery Act, prohibit them.