Permission
People and businesses depend on whoever holds their money. Access can be delayed, limited or refused. You find out about it the moment you need it.
Level up your money
A regulated issuer of digital money, and the system that moves it between people and businesses.
Olbra ApS is an e‑money institution. FinanstilsynetFinanstilsynetDanish FSA register of e‑money institutions, the Danish financial regulator, authorised us on 11 February 2025. That authorisation is passported across the European Economic Area.
The problem
Someone else decides what your money can do.
Time
Between banks, money now moves in minutes — but only within banking hours. Paid on Friday afternoon, you have it Monday.
Cost
Three banks can touch one payment, and each takes a cut. The sender is quoted a fee. The receiver is told nothing, and gets what is left.
None of it is malice. It is what infrastructure built decades before the internet does.
The solution
One financial system, running on open rails.
Olbra is building a fully interconnected global financial system on blockchain rails, built on top of digitised international currencies.
What that gives you is money that costs almost nothing to move, settles instantly, and is available every hour of every day — from your phone or your desktop.
Stablecoins
Introducing the next generation of money.
Stablecoins are digitised money — money that is faster, cheaper to move and truly yours. They live on a public network instead of in a bank's ledger.
- 100%
- Yours, in your own wallet
- 24/7
- Available, every hour of the day
- Seconds
- To settle, across any border
As a licensed e‑money institution, we are authorised to tokenise every single European currency. The US dollar too. We started with the euro, the Polish złoty and the dollar. It is the first step in tokenising the entire European economy.
Our current portfolio
Coming soon
- Romanian leu
- Czech koruna
- Hungarian forint
- Swedish krona
- Danish krone
Tokenised assets
Yet, we don't stop at money.
A government bond settles in two days, sits with a custodian you never meet, and can only be sold in office hours. None of that is the bond. All of it is the paperwork around it.
Put the same instrument on‑chain and it moves in seconds, sits in the balance your salary lands in, and can back a loan without being sold first. The asset is unchanged. Everything around it gets faster and cheaper.
EUR Money‑market fund
USD Money‑market fund
PLN Government bonds
Au Gold
Ag Silver
Credit
Borrow against what you hold, without selling it.
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A stablecoin, gold, a government bond, or crypto you already own.
You hold something.
-
It is locked while the loan is open, and released when you repay.
You pledge it.
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Morpho, on‑chain and permissionless. No application, because there is nothing to assess.
The protocol lends.
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If what you pledged falls far enough, it is sold to close the loan.
You repay when you want.
The card
Make your tokenised assets spendable.
Holding an asset and using it have always been two different things. With Olbra, they become one.
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The Olbra app
All of this in one place.
Store
Digital złoty, euros and dollars, each held as itself.
Send
To another Olbra balance or any other wallet, in seconds, on any day, at any hour.
Receive
Get paid without waiting for a working day to start.
Earn
Open a money‑market position in your own name.
Spend
A card in Apple Pay or Google Pay, drawing on whichever currency you hold.
The team
Built by people who have done this before.
Questions
FAQs
Is Olbra a bank?
No. We are an e‑money institution. Different licence, different rules.
We safeguard your money. We do not hold it as a deposit. Client funds sit at a bank, separate from ours, and cannot be used to run the business. No state deposit‑insurance scheme covers them.
Where does it work?
Across the European Economic Area.
Not the United States. Our authorisation is European.
What happens if I lose my phone?
Your money is on the blockchain. The phone holds the key that reaches it.
The key is yours, not ours. We cannot reset it. Set up your recovery when you install the app.
Do I have to tell you who I am?
Not to hold a wallet.
Adding money, using the card and cashing out are regulated steps. We check identity at those points.
Does my balance earn anything?
No. European law forbids any e‑money issuer from paying interest on a balance.
You can open a money‑market position in your own name, at the going rate, and close it when you want. Rates move and can fall. Your capital is at risk.
Who is behind this?
Olbra ApS, Krudtløbsvej 12, Copenhagen. Company number 39 72 94 82.
The authorisation is in the Finanstilsynet register. The company registration is public. Every token contract is verifiable on‑chain.
The register lists Eurodollar ApS as our primary name and Olbra ApS as a secondary one, under the same company number.