The UK will require all crypto asset companies to register again in September.

Discover how the UK's new Financial Services Act will transform the crypto sector. The FCA will open its licensing portal in September 2026, requiring all companies to re-register under stricter rules.

From September of this year, all companies working with crypto assets in the United Kingdom will need to be authorized under the new Financial Services and Markets ActThe regulation represents a key update for the sector, as current registrations related to anti-money laundering, payment services, or electronic money will not be automatically transferred. Consequently, companies will need to reapply for registration within the deadlines set by the financial authorities.

FCA Timeline: End of Automatic Validations and New Requirements

The UK is preparing for a major overhaul of how it regulates crypto assets. The licensing portal, which will be operational from September 2026, will serve as the primary gateway to the full regulatory framework that will come into effect in October 2027. From that date, the Financial Conduct Authority's (FCA) licensing portal will be the new entry point for companies seeking to operate under the new regulatory regime. 

The regulations stipulate that the application window will have a limited duration and will close Companies must submit their documentation at least 28 days before the new regulations take effect, so they need to plan well in advance and leave no room for improvisation. Organizations that manage to submit their documentation on time will be able to continue operations while the FCA evaluates their cases. Conversely, those that do not meet this deadline will lose the ability to acquire new customers or launch products until they receive final approval, and will be relegated to a limited operating mode.

According to the FCA, this process also affects foreign firms. British legislation does not provide for automatic financial passports for entities regulated in other jurisdictions. Therefore, any international platform with clients in the UK will have to undergo the same scrutiny and obtain a local license, reinforcing the regulator's sovereignty over the domestic market.

Ripple strengthens its presence in the United Kingdom

Ripple is consolidating its position in the UK at a time when financial regulations are becoming more stringent. The company took a significant step by having its subsidiary, Ripple UK Ltd, become a UK-based company. registered registered with the Financial Conduct Authority (FCA). This recognition not only confirms compliance with anti-money laundering regulations, but also strengthens confidence in its business model and the integrity of its operations.

With this approval, Ripple will be able to offer services linked to digital assets under a solid and transparent legal framework. The platform continues to develop its technical infrastructure, promoting the use of XRP as a tool to facilitate faster and more efficient cross-border payments. This integration promises to optimize liquidity and significantly reduce operating costs for financial institutions using its network.

In short, this move reinforces Ripple's vision of consolidating itself as a key player in the digitalization of global finance, especially in a market as competitive and regulated as the British one.

A new crypto era for users

The UK is moving towards a more robust regulatory framework for digital assets, seeking transparency and control in every authorization granted. Companies wishing to offer cryptocurrencies within the country will have to demonstrate, from the outset, that they have a reliable operational structure, effective user protection mechanisms, and systems that ensure the traceability of every transaction. Ripple has already taken significant steps in this direction by completing the necessary registrations to continue its operations under well-defined parameters and integrating the XRP token into payment flows subject to regulated oversight. All of this is happening while the authorities refine the licensing process under the UK's Financial Services and Markets Act.

In this way, users gain access to clearer and more reliable information, as well as safeguards against potential risks. Companies, for their part, will need to invest in compliance processes and in developing products that meet the new controls from the ground up. 

In this new landscape, competition will focus on those who can seamlessly combine innovation, efficiency, and regulation. The clock is ticking, and the FCA portal is setting the pace for a phase that is redefining how crypto services are managed in the UK.