XRP Ledger Launches MiCA-Compliant EURØP Stablecoin for Regulated Euro Payments

💶 Europe Just Got Its First Regulated Euro Stablecoin — On XRP Ledger

On May 22, Ripple announced the launch of EURØP, the first MiCA-compliant euro stablecoin built directly on the XRP Ledger.

Backed 1:1 with euros, regulated in France, and audited by KPMG — this isn’t just another stablecoin. It’s Europe’s blueprint for regulatory-grade crypto finance.

The MiCA era isn’t coming. It’s already on-chain.

🇪🇺 What Makes EURØP a MiCA Milestone?

EURØP, issued by Schuman Financial, is fully:

• 🏛 Regulated by France’s ACPR
• 💶 Backed by euros held in Société Générale
• 📊 Audited by KPMG
• 📜 Compliant with MiCA (EU’s Markets in Crypto-Assets framework)

That means:

✅ No regulatory grey zones ✅ Institutional-ready reserves ✅ EU-wide clarity for usage and integrations

In a sea of unbacked tokens, EURØP is fiat-grade digital money.

🧠 Why XRPL — and Why Now?

With over 3.3B transactions and 6M+ wallets, XRP Ledger isn’t trying to be trendy. It’s aiming to be infrastructure.

Ripple says it plainly:

“EURØP brings a euro-native settlement asset to XRPL — an institution-ready Layer 1 blockchain.”

This opens the door to:

• 💸 Onchain B2B and retail euro payments
• 🌍 Cross-border settlements
• 🏗 Tokenization of real-world assets (RWAs)
• 🧾 MiCA-aligned DeFi and fintech use cases

📈 Why This Matters for Europe’s Crypto Future

Europe’s crypto regulation is no longer a theory — MiCA enforcement began in 2024. And most blockchains? Still scrambling.

XRPL now offers:

• 💶 A regulated euro stablecoin
• 📚 Legal clarity for builders
• 🔗 Tools for compliant tokenization and RWA ecosystems

EURØP may become the de facto digital euro — without needing to wait for the ECB.

🌎 Ripple’s European Expansion Strategy

Ripple’s UK + Europe MD Cassie Craddock called it a “model for future stablecoins under MiCA” — and she’s not wrong.

Also in the pipeline:

• 🇧🇷 USDB — a USD-pegged stablecoin from Braza Group, backed by U.S. and Brazilian bonds
• 🌐 XRPL-based DeFi and RWA protocols rolling out with regulatory alignment baked in

XRP Ledger isn’t chasing hype. It’s building regulated liquidity rails across continents.

🧠 TL;DR: XRP Ledger Enters MiCA Era With EURØP Launch

• 💶 EURØP is Europe’s first MiCA-compliant euro stablecoin
• 🏦 Regulated in France, backed by Société Générale, audited by KPMG
• 🌐 Runs natively on XRP Ledger, a high-speed Layer 1
• 🧱 Enables onchain euro payments, RWAs, DeFi, and B2B finance
• 🔐 Sets new standards for compliant blockchain infrastructure in the EU

Lesson: MiCA isn’t a threat. It’s an opportunity — and XRPL just seized it first.

The euro went digital. Now it’s regulatory-grade — and on-chain.