EURe Regulated Euro Stablecoin & Web3 IBAN

Regulated Euro Stablecoin Issuance

Monerium issues EURe, the first fully authorized euro stablecoin issued by a licensed Electronic Money Institution (EMI) operating under EU e-money regulations. Each EURe token is fully backed 1:1 by euros held in segregated, high-quality liquid reserves, and is MiCA-compliant and passportable across the European Economic Area.

EURe is available on Ethereum, Polygon, Gnosis, Arbitrum, Base, Linea, and Noble, adhering to the ERC-20 standard with support for ERC-2612 Permit (gasless approvals) and ERC-1271 (smart contract signatures). Smart contracts are independently audited by reputable security firms.

Web3 IBAN: Fiat-to-Blockchain Bridge

Monerium assigns a real bank IBAN to any blockchain wallet address, enabling instant, zero-fee euro transfers between traditional bank accounts and crypto wallets across 160+ countries. When euros are sent via SEPA to the Monerium-assigned IBAN, EURe tokens are automatically minted on the designated blockchain address. When EURe is sent for redemption, euros are automatically dispatched via SEPA — a fully bidirectional bridge with no exchange intermediaries.

Developer API & Integration Infrastructure

The Monerium REST API gives businesses and developers programmatic control over accounts, SEPA transfers, and payment event notifications. Core capabilities include account management, real-time webhooks, direct SEPA transfers from blockchain addresses to any IBAN, and end-to-end payment workflow automation. SDKs are available via npm (@monerium/sdk and @monerium/sdk-react-provider), with a full sandbox environment and comprehensive API documentation.

DeFi Integrations

EURe is integrated with leading DeFi protocols including Aave (lending), CowSwap (DEX trading), and Balancer (liquidity provision), enabling euro-denominated DeFi participation without USD conversion.

Use Cases

• Corporate treasury management in euros entirely on-chain via multisig wallets
• Cross-border euro payments combining SEPA connectivity with on-chain settlement
• Payroll automation via smart contract-triggered euro disbursements
• Fiat on-ramp and off-ramp for DeFi protocols and fintech applications
• Clearing and settlement automation for financial institutions