Spot and derivatives diverge sharply here. Holding and trading spot crypto is lawful for a French resident, but who may serve them is now tightly closed: the transition from the French PSAN regime under the loi Pacte to the EU MiCA regulation ended on 1 July 2026, and since 2 July 2026 only an authorised crypto-asset service provider (PSCA/CASP) may provide crypto services in France.
The AMF publishes a white list of authorised providers and stresses that MiCA carries no equivalence regime with third countries, so a non-EU exchange cannot serve French clients on the strength of a home-country licence; providers that failed to obtain authorisation are running orderly wind-down plans and moving clients out. France had authorised 31 providers by 6 July 2026, against 283 across the EU.
The contract itself does not change by geography: a XRP perpetual settles in USDC everywhere.
18 venues open XRP perps to traders in France.
ApeX
Aster
Avantis
Derive
Ethereal
gTrade
Helix
Hyperliquid
KiloEx
Lighter
Ostium
Paradex
Synthetix
VestFour steps from sign-up to an open position.
Occasional traders pay up to 30% PFU on crypto gains; professional traders are taxed as non-commercial profits (BNC) up to 45%.
Trading XRP from France: legal.
For France residents trading XRP: Occasional traders pay up to 30% PFU on crypto gains; professional traders are taxed as non-commercial profits (BNC) up to 45%.
Full identity verification, driven by the licence.
France traders can fund XRP positions using SEPA / SEPA Instant transfer (EUR), Debit card and PayPal.
France residents can trade XRP on 24 platforms, including Aevo, ApeX and Aster.