Modernizing Everyday Payments in Europe
Today, we are announcing that OKX has secured a Payment Institution (PI) license in Europe, strengthening our regulatory foundation across the European Union. This authorization enables us to provide stablecoin-based payment services within Europe’s established financial framework and continue expanding crypto payments for daily life under clear legal guardrails.
For people, that means clearer safeguards, defined oversight, and apps like OKX that meet established requirements before offering payment functionality. It moves stablecoin payments closer to everyday utility — something you can use with confidence, not just something you hold or trade.
In practical terms, it’s about making stablecoins function more like a trusted financial instrument and less like a tool only useful for trading settlement.
Over the past year, we have been building toward this moment.
First, we introduced OKX Pay to make stablecoin transfers simple, instant, and seamless inside our app. Moving value across borders should not require multiple intermediaries, hidden fees, or multi-day settlement cycles. With OKX Pay, people can send and receive digital dollars quickly and transparently.
Then we launched the OKX Card, connecting digital assets directly to real-world spending. Stablecoins are no longer confined to trading screens. They can be used for everyday transactions anywhere traditional payment networks are accepted. The card integrates with Apple Pay and Google Pay, allowing people to tap and pay seamlessly from their mobile devices. The experience is designed to be intuitive and modern — with a user interface that feels cleaner and easier to use than many traditional banking or neo-bank apps.
Now, with a Payment Institution license in Europe, these products operate within a fully regulated payments framework. That matters. It means stablecoin payments can scale responsibly. It introduces stronger governance, defined consumer protections, and operational oversight. And it allows us to bring a new type of financial service to people in Europe — one that is faster, more transparent, and often more cost-efficient than legacy cross-border systems.
This is not about replacing banks. It is about modernizing how money moves.
Stablecoins enable settlement in minutes rather than days. They reduce friction in cross-border transactions. They introduce transparency into payment flows that have historically been opaque. When combined with thoughtful product design and regulatory alignment, they become practical financial infrastructure.
Our global strategy has been consistent: secure the necessary licenses, operate within established legal frameworks, and build products that combine onchain efficiency with regulatory certainty. We do not build around the rules. We build within them.
The digital asset industry began with trading and speculation. That phase built liquidity and awareness. The next phase is about utility — integrate digital assets into everyday economic life.
OKX Pay, the OKX Card, and now our Payment Institution license in Europe are steps in that direction.
We are building financial infrastructure that is programmable, transparent, and globally connected — all within the rule of law.
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Star Xu
Founder & CEO, OKX
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