EURe

Euros from banks to DeFi.
Instant and compliant.

Get started

More than

€9 BILLION

between banks and DeFi

#1 authorized

Euro stablecoin

Emoney and MiCA-compliant.

EUR IBAN available in

190+ countries

Send euros globally and trade onchain.

Trusted by

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.

Trade 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.

Aave Morpho

EURe IBAN for wallets

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

Your wallet

Your balance

2,500EURe

Your EUR IBAN by Monerium

EE38 •••• 5685

SEPA payment received

+1,000EUR

From Jane Smith

DE89 3704 0044 0532 0130 00

Incoming bank payments

customer gets a dedicated IBAN in their own name. Euros sent to the IBAN, via SEPA, are automatically minted as EURe into the wallet.

Your wallet

Your balance

3,500EURe

Your EUR IBAN by Monerium

EE38 •••• 5685

Send euros

Gavin Belson

FR14 •••• 2606

Anna Lee

NL91 •••• 4300

Marc Weber

DE44 •••• 4931

To Gavin Belson

FR14 2004 1010 0505 0001 3M02 606

0EUR

Send

SEPA payment sent

−1,000EUR

To Gavin Belson

FR14 2004 1010 0505 0001 3M02 606

Outgoing bank payments

Send euros directly from the wallet to any SEPA bank account. The equivalent amount of EURe is automatically burned from the wallet, and euros are transferred to the recipient's bank account.

Your wallet

Your balance

2,500EURe

Your EUR IBAN by Monerium

EE38 •••• 5685

Exchange

Swap EURe for other currencies

Earn

Put your EURe to work

Borrow

Borrow against your crypto

Pay abroad

To any bank account

Global access, more possibilities

People and businesses in 190+ countries can open a EUR IBAN connected to their wallet. Exchange currencies, supply EURe to DeFi lending markets, borrow against crypto, and make international payments. All from one wallet.

Getting started

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

individuals Mastercard

Bleap combines self-custody wallets, euro payments, and card spending into one seamless onchain banking experience powered by regulated euro infrastructure.

Get Bleap

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.

Use Safe

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.

Start building

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.

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.

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

The official EURe token contract addresses are listed below.
Always verify the contract address before interacting with EURe.

Ethereum

0x39b8...279D

Address 0x39b8B6385416f4cA36a20319F70D28621895279D

Polygon

0xE0aE...Ea8d

Address 0xE0aEa583266584DafBB3f9C3211d5588c73fEa8d

Gnosis

0x420C...3430

Address 0x420CA0f9B9b604cE0fd9C18EF134C705e5Fa3430

Arbitrum

0x0c06...44F8

Address 0x0c06cCF38114ddfc35e07427B9424adcca9F44F8

Base

0xbf6e...762C

Address 0xbf6e2966A9C3D99C9E4D069E04f7Bdb9C8aa762C

Linea

0x3ff4...428D

Address 0x3ff47c5Bf409C86533FE1f4907524d304062428D

Read the docs

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.

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 190+ 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 190+ 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.