EURe

Euros from banks to DeFi.
Instant and compliant.

More than

€7 BILLION

between banks and DeFi
volume
#1 authorized

Euro stablecoin

Emoney and MiCA-compliant.
award
EUR IBAN available in

160 countries

Send euros globally and trade onchain.
globe

A euro that works in DeFi

Exchange with best prices

EURe now has deep liquidity, backed by a new trading stack built for scale. Multiple liquidity sources compete on every trade, so you can move larger amounts and get the best possible price.

EURe
EURe
EURe
EURe
EURe

Supply or borrow euros

EURe can be used on lending markets such as Aave and other DeFi applications. Stay in euros while accessing onchain markets.

Trusted by leading DeFi platforms
Bank
plus
Wallet

EURe IBAN for wallets

An individual or corporate EUR IBAN for wallets.
Send and receive euros between any bank account,
in own name, instantly, and with zero fees.

bank
bank
bank
bank
wallet

Incoming bank payments

Euros sent to the IBAN, via SEPA, are automatically minted as EURe into the wallet.

wallet
bank
bank
bank
bank

Outgoing bank payments

Wallet signs the intent, the EURe amount is burned from the wallet, and the same amount of euros is sent via SEPA from the IBAN to the specified bank account.

globe
EUR
DeFi
USD
Wallet
EUR
DeFi
GBP
bank

Global payments

The EURe IBAN is available in 160 countries. Move money between bank payments, DeFi liquidity, and local payment rails. Faster than SWIFT and cheaper than traditional international transfers.

Getting started

Access EURe and the IBAN directly
through supported wallets and applications.

developers corporates individuals

The Monerium app lets applications, companies, and individuals connect their wallets and access EURe. Create a EUR IBAN, send and receive bank payments, and register applications to build with the Monerium API.

Safe wallet app
corporates

Safe lets companies manage treasury directly from their multisig wallet. Create a EURe IBAN, send and receive bank payments, and move funds between euros, EURe, and DeFi.

Zeal wallet app
individuals Visa card

Zeal is a smart wallet for individuals who want to manage euros onchain. Receive euro bank payments, access DeFi markets, and spend globally with a card.

MetaMask app
individuals Mastercard

Get a MetaMask Card and spend from your wallet worldwide. Create a Monerium account, receive a EURe IBAN, and top up instantly from bank transfers or onchain funds. Pay anywhere Mastercard is accepted while keeping your assets in your wallet until the moment of payment.

developers

Your app, build with Monerium API

Developers can use the Monerium API and smart contracts to automate euro payment flows between banks, wallets, and onchain markets. Integrate regulated euro stablecoins into your application with flexible authentication and white-label options.

EURe

Authorized euro stablecoin

Built for banks, wallets, and DeFi applications.

Regulated

Monerium is a licensed Electronic Money Institution compliant with EU e-money rules and MiCA, providing legal clarity for euro stablecoins across the EEA.

Regulated
Fully backed

Fully backed

Every EURe token is backed 100% by high-quality liquid euro reserves held in safeguarded accounts and redeemable for euros.

Audited

EURe smart contracts are audited by independent security firms to ensure reliable and transparent on-chain operations.

Audited
DeFi-native standards

DeFi-native standards

EURe follows widely used Ethereum standards including ERC-20, ERC-2612 Permit, and ERC-1271 for efficient integrations and contract-based signatures.

Multiple chains supported

Ethereum
0x39b8...279D
Mainnet 0x39b8B6385416f4cA36a20319F70D28621895279D
Testnet 0x67b34b93ac295c985e856E5B8A20D83026b580Eb
Polygon
0xE0aE...Ea8d
Mainnet 0xE0aEa583266584DafBB3f9C3211d5588c73fEa8d
Testnet 0xeD5D0B6C5BEFfDd607639094397C223536B0Bae7
Gnosis
0x420C...3430
Mainnet 0x420CA0f9B9b604cE0fd9C18EF134C705e5Fa3430
Testnet 0x7a47605930002CC2Cd2c3c408D1F33fc2a18aB71
Arbitrum
0x0c06...44F8
Mainnet 0x0c06cCF38114ddfc35e07427B9424adcca9F44F8
Testnet 0xFdEed5cE7E281B4e0F163B70eBe2Cf0B10803b7B
Base
0xbf6e...762C
Mainnet 0xbf6e2966A9C3D99C9E4D069E04f7Bdb9C8aa762C
Testnet 0x29F37F6adCa168B79B8d9567eab9BE3fBF21db85
Linea
0x3ff4...428D
Mainnet 0x3ff47c5Bf409C86533FE1f4907524d304062428D
Testnet 0x43F1eEdb454089C6db498D8ced63d8972c019DE2

Monerium is an electronic money institution authorised in the EEA. EURe and other e-money tokens issued by Monerium represent digital fiat money and do not constitute a form of investment. Nothing in this communication should be interpreted as investment advice, an offer to invest, or a solicitation to buy or sell any financial instrument. Monerium does not pay interest or offer returns on e-money tokens. Holders of e-money tokens issued by Monerium have the right to redeem e-money tokens at par value at any time. Monerium has issued a crypto-asset white paper, which can be accessed on our website www.monerium.com. Contact us by sending an email to hello@monerium.com.

Frequently Asked Questions

What is EURe and how does it work as a euro stablecoin?
EURe is a regulated euro stablecoin issued by Monerium, a licensed Electronic Money Institution (EMI) under EU e-money rules and MiCA. Each EURe token represents 1 euro in safeguarded reserves and can move between SEPA bank accounts, wallets, and DeFi markets across public blockchains.
Is EURe a MiCA-compliant euro stablecoin?
Yes. EURe is issued by Monerium, an authorized Electronic Money Institution regulated under EU e-money law and compliant with the Markets in Crypto-Assets Regulation (MiCA). This provides legal clarity, redemption rights, and safeguarded euro reserves for users in the European Economic Area.
What is an IBAN for wallets or Web3 IBAN?
A Web3 IBAN or crypto IBAN links a traditional EUR bank account to a blockchain wallet. With a EURe IBAN, users can send and receive SEPA payments directly in their own name while automatically minting or redeeming EURe tokens onchain.
How do SEPA payments connect to crypto and DeFi?
When euros are sent via SEPA to a EURe IBAN, they are automatically minted as EURe stablecoins in the connected wallet. When funds are sent back to a bank account, the EURe tokens are burned and euros are transferred through SEPA.
Are payments between banks and DeFi instant?
Yes. EURe enables instant euro payments between bank accounts and blockchain wallets using SEPA and stablecoins. Transfers settle in seconds onchain and can move between banks, DeFi protocols, and Web3 applications without intermediaries.
Does Monerium charge fees for euro payments?
No. EURe payments are issued and redeemed 1-to-1 with euros. Sending and receiving SEPA payments through EURe IBANs is free on the Monerium infrastructure.
What is an on-ramp and off-ramp for euro stablecoins?
An on-ramp converts bank euros into EURe stablecoins. An off-ramp converts EURe back into euros sent to a bank account. Monerium provides direct bank on/off-ramps through regulated IBAN accounts.
Can EURe be used for global payments in stablecoins?
Yes. EURe enables global payments by combining SEPA bank transfers, DeFi liquidity, and local payment rails. Euros can move from a bank account to EURe, exchange through DeFi liquidity, and settle into local currencies or stablecoins worldwide.
How many countries support EURe IBAN accounts?
EURe IBAN accounts can be opened from more than 160 countries worldwide, allowing individuals, companies, and Web3 applications to access euro payments and DeFi liquidity globally.
Which countries can open a EURe IBAN?
EURe IBAN access is available across more than 160 countries including the EU, UK, Switzerland, United States, Canada, Brazil, Australia, Singapore, Japan, UAE, South Africa, and many others across Europe, Asia, Africa, and the Americas.
How does EURe enable instant global payments?
EURe connects SEPA bank transfers with onchain liquidity. Euros are issued as stablecoins, exchanged through decentralized liquidity pools or market makers, and settled into local payment rails or bank accounts globally.
What is euro liquidity in DeFi?
Euro liquidity refers to euro-denominated stablecoins available in decentralized exchanges and lending markets. EURe provides regulated euro liquidity that can be traded, supplied, or borrowed across DeFi protocols.
How does liquidity on demand work for EURe?
EURe uses an intent-based trading stack where private market makers, solvers, and automated market makers compete to provide the best execution price. This creates deep euro liquidity and efficient settlement across DeFi markets.
Can EURe be exchanged with other stablecoins or crypto?
Yes. EURe can be traded on decentralized exchanges and aggregators such as CowSwap or Balancer to access other stablecoins or crypto assets while maintaining euro-denominated liquidity.
Which DeFi standards does EURe support?
EURe follows widely used Ethereum standards including ERC-20, ERC-2612 Permit for gas-efficient approvals, and ERC-1271 for smart contract signature validation.
Which blockchains support EURe?
EURe is available across multiple blockchain networks including Ethereum, Arbitrum, Gnosis, Polygon, Base, Linea, and Noble.
Can developers integrate EURe into applications?
Yes. Developers can use the Monerium API and smart contracts to integrate euro stablecoins, automate payment flows, create wallet IBANs, and build on/off-ramps between banks and blockchain applications.
What is a regulated stablecoin?
A regulated stablecoin is a digital token backed by safeguarded reserves and issued by a licensed financial institution. EURe represents regulated euro e-money issued under EU EMI and MiCA regulations.
Are EURe reserves fully backed?
Yes. Every EURe token is backed 1:1 by high-quality liquid euro reserves held in safeguarded accounts and redeemable for euros.
Are EURe smart contracts audited?
Yes. EURe smart contracts are audited by independent security firms to ensure secure and transparent onchain operations.
Why use a euro stablecoin instead of USD stablecoins?
EURe allows individuals, companies, and DeFi applications to transact directly in euros without converting to USD stablecoins. This enables euro-native DeFi liquidity, compliant stablecoin payments, and direct bank connectivity.