Compliance & Disclosures

Last Revised: September 10, 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.

Ripple Markets UK Limited only directs its services to persons who are (i) Investment professionals as defined in Article 19(5) of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (the “FPO”); or (ii) High net worth companies, unincorporated associations and other bodies falling within Article 49(2)(a) to (d) of the FPO; or (iii) Any other persons to whom it may otherwise be lawfully communicated (all such persons together being referred to as “Relevant Persons”).

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 £120,000 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.

For disclosure relating to the UK Modern Slavery Act 2015, please click here.

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):

1. XRP, XRP Ledger
2. Bitcoin (BTC), Bitcoin Network
3. 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.

Ripple Payments Europe S.A. — MiCA Crypto-Asset Service Provider

Ripple Payments Europe S.A. is a public limited company (Société Anonyme) incorporated in Luxembourg, with its registered office at 53 boulevard Royal, L-7222 Luxembourg. Ripple Payments Europe S.A. is authorised as a Crypto-Asset Service Provider ("CASP") under the Markets in Crypto-Assets Regulation (Regulation (EU) 2023/1114, "MiCAR") by the Commission de Surveillance du Secteur Financier ("CSSF"), under registration number N14.

Ripple Payments Europe S.A. is authorised to provide the following crypto-asset services: (i) exchange of crypto-assets for funds; (ii) exchange of crypto-assets for other crypto-assets; and (iii) transfer services for crypto-assets on behalf of clients. Ripple Payments Europe S.A. is not authorised to provide custody and administration of crypto-assets on behalf of clients, portfolio management, investment advice, or execution of orders for crypto-assets on behalf of clients.

These services are offered on a Freedom of Service basis to clients in Luxembourg and the following jurisdictions: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden. Ripple does not offer these services to persons outside of these jurisdictions, and nothing on this website should be read as an offer or solicitation to such persons.

This authorisation is separate from, and additional to, Ripple Payments Europe S.A.'s existing authorisation as an Electronic Money Institution described above.

Conflicts of Interest

This disclosure is provided in accordance with Article 72 of MiCAR and Commission Delegated Regulation (EU) 2025/1142. It sets out our approach to preventing and managing conflicts of interest, the general nature and sources of conflicts that may arise, the risks such conflicts may pose to clients, and the steps we have taken to identify, prevent, manage, and, where appropriate, disclose them.

Conflicts of interest are situations in which the personal, financial, or other interests of Ripple Payments Europe S.A., its staff, shareholders, or connected persons may compromise, or appear to compromise, the impartiality of decisions made in a client's best interests. Where a conflict is identified, we are committed to managing it fairly so that it does not create a material risk of damage to our clients.

Where Conflicts Can Arise

• Between Ripple Payments Europe S.A. and its clients — for example, because we act as principal when exchanging crypto-assets, which could create an incentive to trade or price in a way that favours us over a client.
• Between different clients — for example, where clients have competing interests in the same transaction or prevailing market conditions.
• Between Ripple Payments Europe S.A. and its shareholders, management body, or the wider Ripple Group — for example, where shared infrastructure, personnel, or strategic interests could influence a decision.
• Intra-group or internal conflicts — for example, where staff remuneration is linked to client trading activity, or personal trading and outside interests create competing obligations.

Managing Conflicts of Interest

We maintain a layered framework to identify, prevent, and manage conflicts of interest:

• Declarations and reporting: staff and members of the management body must disclose actual or potential conflicts as soon as they become aware of them.
• Segregation of duties and information barriers: functions that could give rise to a conflict are kept separate, and information is shared only on a need-to-know basis.
• Independent supervision: client-facing staff are supervised separately from other functions whose interests could conflict with clients'.
• Governance and oversight: our Board of Directors approves and reviews our Conflicts of Interest Policy; the Compliance Officer maintains a Conflicts Register and reports to the Board; members of the management body must abstain from any decision where they have a personal conflict, and may not hold management positions at a competing crypto-asset service provider.
• Remuneration: staff remuneration is structured so that it does not reward decisions that favour the company, or an individual, over a client.
• Personal trading: staff transactions in crypto-assets are subject to prior disclosure and ongoing monitoring.

If a Conflict Cannot Be Avoided

Where a conflict cannot be managed through the arrangements above, we will disclose its general nature to the affected client, clearly and in good time, before the relevant service is provided. This disclosure is available at all times in a prominent place on our website, in English, and is kept up to date.

Categories of Conflict We Have Assessed in Our Crypto-Asset Services

The circumstances below describe the types of conflict that could, in principle, arise given our business model. They are not a statement that any of these conflicts has occurred — rather, they reflect the categories of risk our framework is designed to identify, prevent, and manage on an ongoing basis.

• Proprietary trading: if Ripple were aware of a pending client transaction, it could in principle trade in the same crypto-asset ahead of that client. Access to pending order information is restricted on a need-to-know basis to prevent this.
• Pricing: acting as principal, Ripple could in principle use non-public information about demand to set a disadvantageous price. Our pricing methodology (see Exchange Terms above) applies the same way to all clients in equivalent circumstances.
• Transfer information: a staff member with access to a client transfer's details (amount, timing, destination) could misuse that information. Access to this information is restricted and monitored.
• Segregation of assets: failing to keep client crypto-assets separate from Ripple's own assets could expose client assets to the company's own risk. Client and company assets are not commingled.
• Routing incentives: Ripple could be incentivised to route a transfer via a cheaper but slower or less secure method. Our transfer process requires transfers to be handled objectively, in the client's interest.

As of the date of this disclosure, no actual conflict of interest requiring client-specific disclosure has arisen. This disclosure does not, by itself, constitute a sufficient measure to manage or mitigate conflicts of interest — it is provided to help clients make an informed decision, and is kept up to date and available at all times on this page.

Risk Disclosure

This disclosure is provided in accordance with Article 66 of MiCAR. By using our crypto-asset exchange and transfer services, you acknowledge that you have read and understood the risks described below. Ripple Payments Europe S.A. does not provide any guarantees regarding the value, performance, or security of crypto-assets, and does not provide investment advice.

Financial Risks

• Market risk: crypto-asset prices are highly volatile and can rise or fall very quickly, including to zero. You should not invest more than you are prepared to lose.
• No deposit guarantee: crypto-assets are not covered by any deposit guarantee or investor compensation scheme in the European Union.
• Liquidity risk: some crypto-assets have low trading volumes, which can make them difficult to exchange or transfer at your desired price or time.
• Issuer and counterparty risk: some crypto-assets we exchange are issued or backed by a third party (for example, stablecoin issuers). If that issuer does not meet its obligations, it could affect the asset's value or your ability to redeem it.
• Tax risk: the tax treatment of crypto-assets varies by jurisdiction and may change over time. You are responsible for understanding and complying with your own tax obligations.

Security and Operational Risks

• Cybersecurity risk: no system is immune to hacking, phishing, or malware. Unauthorised access to your account could result in a loss of assets.
• Operational and technology risk: service disruptions caused by software issues, system outages, or technical failures could affect your ability to use our exchange or transfer services.
• Fraud and financial crime risk: the crypto industry can be targeted by scams, money laundering, or market manipulation. We monitor for this — see Market Integrity above — but risks persist.

Crypto-Specific and Regulatory Risks

• Regulatory risk: the regulatory landscape for crypto-assets is evolving. Changes in law could affect the availability or legality of a given crypto-asset or our services.
• Token design and white paper risk: some crypto-assets have complex technical designs. We encourage you to review the relevant white paper before transacting.
• Blockchain and consensus risk: crypto-assets rely on blockchain networks that can be subject to forks, bugs, or consensus failures, which could affect the asset's usability or value.
• Collateralisation risk: for crypto-assets that claim to be backed by reserve assets (such as e-money tokens), there is a risk the reserve is insufficient or mismanaged, which could affect the asset's stability or your ability to redeem it.
• Jurisdictional restrictions: our services may not be legally available in all countries — see Non-EU Solicitation Restrictions below.

This is not an exhaustive list of risks. If you are unsure whether a crypto-asset service is right for you, please seek independent financial advice.

Crypto-assets are volatile. You may lose some or all of the money you invest. Read our full Risk Disclosure before using any crypto-asset service.

Exchange Terms

This summary sets out the framework under which Ripple Payments Europe S.A. provides crypto-asset exchange services — exchange of crypto-assets for funds, and exchange of crypto-assets for other crypto-assets. In accordance with Article 77(2) of MiCAR, we publish our pricing methodology below.

Types of Clients

Ripple Payments Europe S.A.'s crypto-asset exchange and transfer services are available exclusively to clients classified as Institutional Customers; we do not offer these services to retail clients. We may impose limits or restrictions based on client type to meet our regulatory requirements; any such restrictions will be published on our Regulatory Notifications page.

Conditions of Service

To be accepted as a client, all prospective Institutional Customers must complete our onboarding and counterparty due diligence process, consent to our Client Agreement and any applicable addenda, and comply with the Client Agreement and this summary on an ongoing basis. We may decline to provide a quotation, restrict account access, or decline to enter into a transaction for specific, objective, and non-discriminatory reasons, including exceptional market conditions, liquidity constraints, technical issues, risk limits being exceeded, or compliance reasons.

Exchange Limits

There is no standard exchange limit. Transaction size, and any applicable minimums, are agreed directly with each Institutional Customer and set out in their Client Agreement.

Publication of a Firm Price or Pricing Method

Ripple Payments Europe S.A. provides exchange services on a non-discriminatory basis: the same pricing methodology and execution conditions apply uniformly to all clients in equivalent circumstances, though the components below are typically negotiated individually with each Institutional Customer. Prices are determined by reference to a reference price sourced from approved, regulated liquidity venues, plus a spread and/or transaction fee. We reserve the right to withhold or withdraw a published price at any time, including in response to significant market volatility or a technical or pricing error. Once a quoted price is accepted by a client within the specified timeframe, it is firm and binding, and we will only conclude the transaction at the price agreed with the client. Applicable fees are disclosed to clients before a transaction is confirmed, and again in the transaction confirmation.

Aggregated Transaction Data

Ripple Payments Europe S.A. does not publish aggregated transaction data. Because our crypto-asset exchange services are provided exclusively to Institutional Customers on individually negotiated terms, transaction volumes, prices, and other transaction levels are determined on a case-by-case basis for each client, in accordance with the terms of that client's Client Agreement.

Policy Review

This summary is reviewed at least annually. Any material changes are subject to review and approval by our Board of Directors.

Transfer Service Disclosure

One of the services offered as part of a Ripple Payments Europe S.A. account is the ability for you to request that we transfer your crypto-assets to another wallet — whether a self-hosted wallet or an account you hold with another crypto-asset service provider. Under MiCAR this is a "transfer service." This section does not cover transfers into your account from an external wallet, since those take place without our involvement.

Who Provides This Service

Transfer services are provided by Ripple Payments Europe S.A. As an Institutional Customer, you should direct queries to your Relationship Manager or the contact designated in your Client Agreement. We communicate with you in English.

How It Works and What It Costs

You initiate a transfer by logging in to your account and specifying the amount and destination wallet address. We may ask for information about the recipient to meet our legal obligations, and may decline to process a transfer if that information isn't provided. We pay network transaction fees (e.g. gas fees) for each transfer, and charge you based on our estimate of the prevailing network fee at the time — the final cost may differ slightly due to network conditions. All fees are disclosed before you confirm the transfer. We don't charge any other fees for this service.

Cut-off Times and Execution

There are no cut-off times — instructions are processed as soon as reasonably possible, 24/7. Transfer requests are generally initiated within 24 hours of submission, though we may review a request for compliance purposes first. Once accepted, we submit the transaction to the relevant blockchain; how quickly it's treated as final depends on that network's own confirmation requirements.

Transfers Cannot Be Reversed

Once we've accepted a transfer request, it is irreversible — we cannot verify or undo a blockchain transaction. You're responsible for making sure the details you provide are correct, and for keeping your account credentials secure (including using two-factor authentication where available). We can't be responsible for a transfer initiated by someone who logged in with your valid credentials.

When We May Decline a Transfer

We may decline to process a transfer request if: you don't have enough crypto-assets to cover it; the information you provided is incomplete; the underlying blockchain is unavailable or behaving abnormally; or a compliance review determines it should be rejected. If we decline a request, we'll explain why (where we're legally able to), how to fix the issue, and whether any fees are refundable.

Transfer Liability

We are liable for losses caused by our negligence, wilful default, or fraud, and for unauthorised or incorrectly executed transfers except where the fault lies with information you provided, your account credentials, blockchain or third-party failures outside our control, or your breach of our agreement with you. Where we are liable, it is limited to the value of the transfer at the time it was submitted, including fees.

Ending the Service

You're never obliged to use our transfer services, and you may close your account at any time by contacting your Relationship Manager or the contact designated in your Client Agreement.

Market Integrity — Reporting a Concern

Ripple Payments Europe S.A. maintains systems to prevent, detect, and report market abuse in connection with its crypto-asset exchange and transfer services, in accordance with Article 92 of MiCAR. Suspicious activity is investigated by our Compliance function and, where a reasonable suspicion of market abuse is confirmed, reported to the CSSF.

If you believe you have observed suspicious activity in connection with our services, you can report it directly to the CSSF, which operates its own external reporting channels: online via a secure form, by email to whistleblowing@cssf.lu, in person at the CSSF's head office, or by phone at +352 26 25 1 2757.

All reports made to the CSSF are treated confidentially, and Luxembourg law prohibits retaliation against anyone who reports a concern in good faith.

Crypto-Asset White Papers

In accordance with Article 66(3) of MiCAR, Ripple Payments Europe S.A. provides direct links below to the crypto-asset white paper for each crypto-asset in respect of which it provides services to clients in the European Economic Area, where one exists. For the environmental and climate impact of each asset's consensus mechanism, disclosed in accordance with Article 66(5) of MiCAR, see our Sustainability Disclosures.

• USDC — https://www.circle.com/legal/mica-usdc-whitepaper — e-money token (EMT), published by Circle as issuer
• BTC - https://white-paper.crypto-risk-metrics.com/en/bitcoin-ffg-v15wlzjmf/index.html
• ETH - https://white-paper.crypto-risk-metrics.com/en/ethereum-eth-ffg-d5rg2fhh0/index.html
• LTC - https://white-paper.crypto-risk-metrics.com/en/litecoin-ffg-d74jz1vrd/index.html
• BCH - https://white-paper.crypto-risk-metrics.com/en/bitcoin-cash-ffg-919bf3w7l/index.html
• XRP - https://www.crypto-risk-metrics.com/en/white-paper-ripple-xrp-ffg-42phjb2bs/

White papers are provided by the relevant issuer and are updated from time to time; the version linked here is always the current one.

Prudential Safeguards

Ripple Payments Europe S.A. maintains own funds in accordance with Article 67 of MiCAR and the applicable CSSF prudential requirements for crypto-asset service providers.

Regulatory Notifications

This section lists any restriction, suspension, or intervention measure affecting the crypto-asset exchange or transfer services provided by Ripple Payments Europe S.A., together with the date it took effect and the reason.

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.

Palisade Financial SAS

Palisade Financial SAS hereby informs the public that, effective 2 April 2026, it has been voluntarily deregistered as a Digital Asset Service Provider (DASP) in France. This deregistration was initiated solely at the request of Palisade Financial SAS, by letter submitted to the Autorité des marchés financiers (AMF) on 18 January 2026. Palisade Financial SAS is no longer registered as a DASP with the AMF.

Palisade Financial SAS informe le public que, avec effet au 2 avril 2026, elle a été volontairement radiée en qualité de Prestataire de Services sur Actifs Numériques (PSAN) en France. Cette radiation a été initiée à la seule demande de Palisade Financial SAS, par courrier adressé à l'Autorité des marchés financiers (AMF) le 18 janvier 2026. Palisade Financial SAS n'est plus enregistrée en qualité de PSAN auprès de l'AMF.

Crypto-Asset Environmental & Climate Impact

In accordance with Article 66(5) of MiCAR, this section discloses the principal adverse impacts on the climate and environment of the consensus mechanism used by each crypto-asset in respect of which Ripple Payments Europe S.A. (LEI: 2549000KEHDV2LWRRZ45) provides crypto-asset services. Figures below cover the period 3 July 2026 - 16 July 2026 and were last reviewed on 17 July 2026.

Scope 1 (directly controlled) DLT greenhouse gas emissions are 0 t CO2eq/year for every asset listed above; the figures shown are Scope 2 (purchased energy) emissions.

Source & methodology: data provided by CCRI (Crypto Carbon Ratings Institute). All indicators are estimates based on a defined set of assumptions; the full methodology and underlying datasets are available at carbon-ratings.com/dl/whitepaper-mica-methods-2024 and docs.mica.api.carbon-ratings.com. No offsetting of energy consumption or emissions has been applied. This table will be refreshed at least annually, or sooner if CCRI issues an updated assessment.