Resources / FAQ
Questions, answered plainly.
What Olbra is, how the tokens are backed, who regulates what. If it isn't here, ask us directly.
01 About Olbra
What we are. And what we're not.
What is Olbra?
A regulated stablecoin platform. Olbra issues fully-reserved MiCA e-money tokens (the euro (EURY) and złoty (PLNY) are live on-chain, the dollar (USDY) is approved), plus tokenised assets and the rails that move them. All of it runs on licenses the group owns outright.
Is Olbra a bank, an exchange, or a crypto company?
None of the three. Olbra is a licensed e-money issuer group, a defined category in EU law with enforceable obligations: full reserves, redemption at par, named supervisors. See exactly where the line runs.
Is there an Olbra app I can download?
Not yet. A consumer app is on the roadmap, but today Olbra is infrastructure-first: partners (exchanges, fintechs, treasuries) integrate the tokens and rails. Retail access comes through those channels first.
Who is behind Olbra?
Olbra Finance LLC, a Wyoming company, sits over the operating company in Poland and the licensed issuing entities in Denmark and Liechtenstein. The operating team is on the Company page.
02 The stablecoins
EURY. PLNY. USDY.
What are EURY, PLNY and USDY?
Fully-reserved digital cash in three currencies (the euro, the złoty, and the US dollar), issued as MiCA e-money tokens and redeemable 1:1, on demand.
What does "live" versus "approved" mean?
EURY and PLNY are minted and live on-chain today. USDY's whitepaper is approved and USD custody is live at Citibank; its launch is timed to the US federal framework under the GENIUS Act.
Are they cryptocurrencies?
No. They are regulated digital cash, not crypto exposure. The price doesn't come from a market; it comes from full reserves and a legal right to redeem at par.
Which chains do they run on?
Ethereum and the Canton Network. On Ethereum the tokens are composable in DeFi: Morpho markets and Uniswap V4 pools; on Canton they settle alongside institutional participants.
Who issues them?
Licensed entities Olbra owns: Eurodollar ApS, supervised by the Danish FSA, mints the tokens; EUI AG in Liechtenstein carries the FMA-approved prospectus for the asset products. Every license resolves to a public register: verify it yourself.
03 Reserves & redemption
Backed, segregated, redeemable.
How are the tokens backed?
1:1. Reserve assets at least equal to tokens in circulation, held at credit institutions and segregated from operating funds. No fractional reserve, no rehypothecation. USD reserves sit at Citibank.
Can I always redeem at par?
Yes. Under MiCA, redemption at par is an enforceable holder right, on demand, not at the issuer's discretion.
How can I verify the reserves?
Each token has a published whitepaper, and each issuer sits on a public register. On-chain verification is coming too: Chainlink Proof of Reserve for PLNY, with Secure Mint blocking issuance beyond verified reserves, is in deployment for PLNY's commercial launch.
What happens to my money if Olbra fails?
Reserves are safeguarded and segregated by law; they are not the issuer's operating money. Holder rights are defined in the whitepapers and supervised by named regulators. That's the difference between a legal regime and a promise.
04 Using the rails
Where the money moves.
Who are the rails for?
Exchanges, fintechs, corporate treasuries, and banks. Integrate once and reach institutional settlement, on-chain liquidity, and retail distribution across three currencies. See the rails.
How do institutions settle?
On the Canton Network, the institutional settlement layer where the tokens move alongside regulated market participants, around the clock, in seconds.
How would an individual get the tokens?
Today, through a licensed fiat on-ramp partner (Mobilum) across Central Europe. Over time, through exchanges (that's a distribution path, not a current claim), and eventually the consumer app on our roadmap.
05 Tokenised assets & yield
The layer above cash.
What is the Olbra Money Market Fund?
The forthcoming flagship of the asset layer: institutional money-market yield in a single regulated token, issued under EUI AG's FMA-approved prospectus and passported across the EEA.
What about tokenised gold and silver?
Forthcoming, on the same regulated rails as the cash layer. One token, one gram of metal. Custody and audit details will be published ahead of launch.
What yield will the products pay?
We don't advertise numbers pre-launch. Yield reflects the underlying money-market instruments, and the exact terms will be in the product documentation at launch, not in marketing copy.
06 $OLBRA
The token is not the money.
What is $OLBRA?
The planned ecosystem token over the whole platform: governance, loyalty, and value capture. It's in design, with token generation targeted for 2026; the design is subject to change and regulatory review. Read the token page.
Is $OLBRA a stablecoin?
No. $OLBRA is not an e-money token, not a stablecoin, and confers no claim on any reserve. The regulated money and the ecosystem token are deliberately separate layers.
07 Compliance & KYC
Supervised, by name.
Who regulates Olbra?
The Danish FSA supervises Eurodollar ApS, the issuing e-money institution. The FMA in Liechtenstein approved EUI AG's prospectus. In Poland, Olbra holds a stake in Stabillon, the only licensed e-money institution in Poland. All licenses, with registers.
Will I need to complete KYC?
Yes, wherever MiCA and EU anti-money-laundering rules require it. Partner channels (exchanges, on-ramps) carry their own KYC processes; direct Olbra products will require verification at onboarding.
Where is Olbra available?
Across the European Economic Area, via MiCA passporting. The US market is next: USDY, approved, with custody live, is the spearhead, timed to the GENIUS Act framework.