Regulated Euro On/Off-Ramp Infrastructure

Monerium provides regulated euro on/off-ramp infrastructure that bridges traditional SEPA banking and blockchain networks, operating under a full Electronic Money Institution (EMI) license with MiCA compliance.

Web3 IBAN

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

Monerium API

The Monerium REST API gives businesses and developers programmatic control over SEPA transfers, account management, and payment event notifications. Core capabilities include initiating direct SEPA transfers from blockchain addresses to any IBAN in the SEPA zone with zero intermediary fees, real-time webhooks with full sender details, and full financial automation — from receiving euros via SEPA to minting EURe on-chain, and from burning EURe to sending euros back to bank accounts. JavaScript/TypeScript SDK packages and a sandbox environment are available for integration.

EURe Stablecoin Rails

EURe is the first fully authorized and regulated euro stablecoin issued by a licensed EMI, backed 1:1 by euros held in segregated, high-quality liquid reserves. Available on Ethereum, Polygon, Gnosis, Arbitrum, Base, Linea, and Noble, EURe provides the stablecoin-fiat rail underlying all Monerium on/off-ramp operations. It integrates with DeFi protocols (Aave, CowSwap, Balancer) and supports regional payment rail integrations including SEPA.

Use Cases

• B2B on-ramp: Accept euros from traditional bank customers and settle on-chain
• B2B off-ramp: Pay suppliers, employees, or partners from on-chain treasuries to bank accounts
• API-based conversion infrastructure for fintech applications and DeFi protocols
• Corporate treasury management with full SEPA connectivity

Primarily targeted at B2B clients: enterprises, fintech developers, DeFi protocols, and Web3 companies requiring regulatory-compliant fiat-to-blockchain conversion.