Regulated digital money · EU + US
Financial rails for the new era of finance.
Olbra issues regulated digital money (the euro, the złoty, and the dollar), fully reserved and redeemable at par. Licensed in Europe. Built for both sides of the Atlantic.
Already issued. Already on-chain.
Most of this industry is still asking for permission. We're already minting.
Live
EURY Euro
Minted on Ethereum
Live
PLNY złoty
Among the first regulated złoty stablecoins
Approved
USDY US dollar
USD custody live at Citibank
Who it's for
Built for the people (and machines) who move money.
Exchanges & brokers
List regulated euro and złoty tokens your EU users can legally hold. Fully reserved. Redeemable at par.
Stablecoins →
Fintechs & PSPs
Settle in seconds, around the clock, in three currencies, on one regulated stack instead of three banking relationships.
Rails →
Corporate treasuries
Hold fully-reserved digital cash today. Institutional on-chain yield next.
Tokenised assets →
AI & agent platforms
Give software money it's allowed to spend: programmable, instant, regulated.
Agentic →
The moat
The most regulated stablecoin company in Europe.
3 regulators · one perimeter
We own our licenses: a full European issuance stack, in-house, not rented from a banking-as-a-service provider. These authorisations take years to win. Anyone starting today starts years behind.
E-money issuance
A licensed EU e-money institution mints our tokens. Fully reserved. Redeemable at par. Passported across the EU/EEA.
Tokenised securities
An approved tokenised-securities programme powers our on-chain yield products, passported across 17 EEA countries.
Polish e-money rails
Licensed rails in the EU's largest non-euro economy, home of the złoty.
Every license resolves to a public record. Entity names and register references →
Licenses
The bridge
The financial bridge between Europe and America.
US stablecoin volume reached roughly $4.5 trillion in a single quarter of 2026. Europe runs at about 13% of global stablecoin payments, the most under-penetrated major market in the world (a16z crypto, 2026). That gap is our business. The offshore dollar incumbents have limited EU compliance. The US issuers entering Europe are still small in euro. Olbra is the rare US company that has already cleared Europe's toughest regime, so the move into the American market is one we make with a dollar product already in hand.
| The incumbents: offshore, or climbing in | Olbra: regulated on both sides, by construction | |
|---|---|---|
| EU regime | Offshore dollar issuers: limited EU compliance. | MiCA behind us: a live EU issuance stack. |
| Euro & złoty | US issuers entering Europe: still small in euro. | EURY and PLNY minted. |
| US legal person | Most EU issuers: none. | A US company in Wyoming. |
| Dollar product | No live dollar product. | USDY approved, with USD custody at Citibank. The GENIUS Act ahead. |
The platform
Digital money, and everything that builds on it.
One regulated base. Five layers. Each one composes on the layer beneath it.
Cash
Stablecoins
EURY, PLNY, USDY. Fully-reserved digital cash, redeemable at par.
Assets
Tokenised metals
Tokenised gold and silver, issued on the same regulated rails. Forthcoming.
Yield
On-chain money market
Institutional money-market yield in a single token.
Rails
DeFi & institutional
Settles on Canton. Composes across Ethereum DeFi.
Agentic
AI-ready money
Regulated, programmable money for the autonomous agents coming next.
The agentic economy
The next users of money won't all be people.
AI agents are starting to transact, settle, and pay on their own. An agent can't open a bank account. It can hold a token. The money it holds must be programmable, instant, always-on, and regulated, or no enterprise will let software near it. Our infrastructure is built for exactly that. Today.
See howEcosystem · $OLBRA
One token over the whole stack.
$OLBRA is the planned governance, loyalty and value-capture layer over Olbra's regulated platform, designed so that the ecosystem's growth routes back to the people who use it.
In design · token generation targeted for 2026 · subject to change and regulatory review
By the numbers
3
EU regulators:
licences owned, not rented
<30
authorised EMT issuers in the EU, we are one
38M
people in the złoty's home market
17
EEA countries passported under MiCA
Figures current as of 2026. Verify against the public registers linked in the footer.
Start here
The hardest part is done. Build with us.
Institution, investor, regulator, or journalist: one conversation starts it.