Olbra Finance
Digitising Poland. Connecting Europe. Leading globally.
OLBRA Finance is establishing itself as the first exclusive issuer of a Polish zloty (PLNY) stablecoin, alongside euro (EURY) and US dollar (USDY) stablecoins. The organization aims to position Poland as a leader in digital finance through what we describe as a "triangle of stability" linking local, regional, and global monetary systems.
Key Insight
The Olbra ecosystem functions as a self-reinforcing financial loop where stablecoins provide liquidity, DeFi protocols generate yield, tokenized assets bring real-world value onchain, and payments infrastructure drives adoption.
Mission & Vision
European Financial Sovereignty
Building infrastructure that enables Europe to maintain financial autonomy in an increasingly digital world.
Three Regulatory Licenses
MiCA (EU), Genius Act (US), and EMI (Poland) compliance for full transatlantic market access.
Quick Start
Create Your Account
Sign up with email or connect your existing Web3 wallet. Complete KYC verification.
Fund Your Wallet
Deposit PLN, EUR, or USD via bank transfer. Receive stablecoins instantly in your wallet.
Start Using Olbra
Trade between currencies, lend for yield, send to anyone, or pay merchants worldwide.
Overview
The Stablecoin Triangle is Olbra's foundational architecture - three fully-backed stablecoins that create a "triangle of stability" connecting the Polish, European, and global financial systems.
PLNY
Polish Anchor
EURY
European Hub
USDY
Global Liquidity
PLNY - Polish Zloty Stablecoin
Poland's Digital Anchor
PLNY is positioned as foundational to Polish digital sovereignty. Designed for use across fintech platforms, payment service providers, and exchanges, it strengthens connections between the Polish zloty and global financial infrastructure.
Every PLNY is backed by one Polish zloty in reserve
Regular third-party audits ensure transparency
Full compliance with EU crypto-asset regulations
Near-instant transactions on blockchain networks
EURY - Euro Stablecoin
Europe's Safe Haven
EURY functions as a "digital safe euro asset" with worldwide accessibility. It aims to enhance EU financial autonomy and strategic independence, serving as a compliant tokenized alternative pending an official digital euro.
Strategic Value
- • Enables frictionless cross-border value transfer within the EU
- • Provides digital euro exposure before official CBDC launch
- • Bridges traditional European banking with DeFi ecosystems
USDY - US Dollar Stablecoin
The Dollar in Europe
USDY represents a geopolitical initiative - a dollar stablecoin produced in Poland. It anchors US financial interests through a trusted European ally's jurisdiction while balancing emerging euro-based alternatives and reinforcing strategic partnerships.
Global Connectivity
USDY connects the Olbra ecosystem to worldwide financial markets, enabling users to access dollar liquidity while maintaining their base in European-regulated infrastructure.
1. Stablecoin Infrastructure
The liquidity foundation with transparent, audited reserves and EU payment system integration. All three stablecoins (PLNY, EURY, USDY) are fully backed and regularly audited.
Key Features
2. DeFi Finance Suite
Lending/borrowing mechanisms, decentralized exchange trading across currency pairs, and liquidity pools. Generate yield on your digital assets through battle-tested DeFi protocols.
Lending
Earn yield on deposits
Trading
Swap between pairs
Liquidity
Provide LP & earn fees
3. Real-World Asset Tokenization
Bringing traditional finance on-chain through tokenized assets. Starting with Polish government bonds, expanding into equities, real estate, and commodities.
Asset Categories
4. Global Payments & Access
Fiat conversion, peer-to-peer transfers, and merchant settlement capabilities. Move money anywhere, instantly, with minimal fees.
On/Off Ramps
Convert between fiat (PLN, EUR, USD) and stablecoins seamlessly through integrated banking rails.
P2P Transfers
Send value to anyone, anywhere, using just a phone number or wallet address.
Card Payments
Virtual and physical cards for spending stablecoins at any merchant accepting card payments.
Merchant Settlement
Accept stablecoin payments and settle in your preferred currency automatically.
5. User Experience & Security
Non-custodial wallets with regulatory compliance and AML/KYC frameworks. Bank-grade security meets Web3 simplicity.
Security Features
- Non-custodial architecture
- Social recovery options
- Multi-sig support
Compliance
- AML/KYC frameworks
- Travel Rule compliant
- GDPR data protection
6. $OLBRA Token
Governance rights, value capture from protocol fees, and deflationary mechanisms. The $OLBRA token aligns incentives across the entire ecosystem.
Learn more about $OLBRA tokenomicsToken Overview
The $OLBRA token is the native governance and utility token of the Olbra Finance ecosystem. It captures value from all protocol activities and enables community governance.
Governance
$OLBRA token holders can participate in protocol governance, voting on key decisions including protocol parameters, treasury allocation, and ecosystem development.
On protocol proposals
New initiatives
Voting power
Architecture
Olbra is built on a modern, scalable architecture designed for security, performance, and regulatory compliance.
Deployed across multiple EVM-compatible chains for maximum accessibility
All contracts undergo rigorous security audits before deployment
Real-time price feeds from trusted oracle networks
Regulatory Compliance
Olbra Finance operates under a robust regulatory framework with three key licenses enabling operations across Europe and alignment with U.S. standards.
MiCA Alignment (EU)
Olbra's PLNY, EURY, USDY stablecoins and $OLBRA fully comply with EU MiCA regulations. Full reserves, audits, and transparency ensure user protection and institutional trust.
Genius Act Alignment (US)
Stablecoins and $OLBRA meet U.S. Genius Act standards for legal adoption and trading. This bridges EU-U.S. markets, enabling transatlantic institutional access.
EMI Licence (Poland)
Olbra holds Poland's exclusive EMI licence, authorizing the first PLNY stablecoin. PLNY establishes the official digital złoty, strengthening Poland's global digital economy role.
Security
Security is paramount at Olbra. Multiple layers of protection ensure your assets remain safe.
Smart Contract Security
All contracts audited by leading security firms with bug bounty programs.
Reserve Protection
Reserves held in regulated financial institutions with insurance coverage.
Access Controls
Multi-signature requirements and timelocks on critical operations.
Monitoring
24/7 monitoring systems with automatic threat detection and response.