Monerium
Entity5 coinsUnverifiedMonerium is a regulated Icelandic EMI issuing EURe and GBPe as onchain e-money redeemable at par via banking rails and Web3 IBAN.
The onchain fiat platform.
EURe supply
Latest data
Holders
Yield
Products
Member products
Coins under Monerium
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Main components (2)
EURe
Regulated euro e-money on Ethereum, Polygon, Gnosis, and Arbitrum. EUR to Web3 IBAN to EURe, redeemable at par.
GBPe
Pound e-money token issued under the same EMI framework.
Differentiator
EURe is issued by a licensed EMI and redeemable at par via banking rails. It behaves like bank-issued e-money onchain, not an overcollateralized crypto stablecoin.
Key facts
Curated off-chain facts with source + freshness.
Off-chain facts
- LicenseCurated
Monerium hf is a licensed EMI in the EEA; its tokens are legal e-money redeemable at par via Web3 IBAN and banking rails.
Monerium - CoverageUpdated periodically
EURe, GBPe, USDe and ISKe are issued across Ethereum, Gnosis, Polygon and Arbitrum.
Monerium - MicaCurated
Monerium aligns its e-money tokens with the EU MiCA framework for EMTs.
Monerium
Commonly asked questions
Is EURe a crypto stablecoin?Key
EURe is regulated e-money issued by Monerium hf., an Icelandic EMI supervised by the Central Bank of Iceland FSA. It is not a collateralized DeFi stablecoin.
Is EURe deposit-insured?Key
Funds are safeguarded under EMI rules but are not deposit-insured like traditional bank accounts.
Timeline & news
Key milestones in the entity's history.
First licensed e-money issuer on blockchain
ExecutedMonerium hf is authorized as an EEA e-money institution issuing on-chain e-money.
SourceMulti-chain e-money rollout
ExecutedEURe and GBPe deployed across Ethereum, Gnosis, Polygon and Arbitrum via Web3 IBAN.
SourceMiCA alignment for e-money tokens
StatedMonerium aligns its tokens with the EU MiCA framework for e-money tokens (EMTs).
SourceOrganizational structure
Units & roles
- Licensed issuer
Monerium hf.
Icelandic regulated EMI supervised by the Central Bank of Iceland FSA. Centralized issuer, no DAO.
- Banking partner
AS LHV Pank
Banking, IBAN, and SEPA rail partner for fiat flows.
Risks identified
- Regulatory
EMI regulatory regime changes or license constraints.
- Counterparty
Banking partner (LHV) and custody counterparty risk.
- Reserve / Depeg
Par/depeg risk under rail or redemption constraints during stress.
- Smart Contract
Smart-contract risk on token and payment flow contracts.
- Governance
Centralized issuer governance; no onchain DAO for monetary policy.
- Network
Operational risk from chain congestion affecting redemptions.
Partnerships
Active partnerships
AS LHV Pank
Ongoing
Fiat banking, IBAN, and SEPA rails.
MetaMask Card
Ongoing
Consumer payment integration.
Gnosis Pay
Ongoing
Payment card ecosystem integration.
Safe
Ongoing
Wallet and treasury integration.
Curve / ParaSwap / Jarvis
Ongoing
DeFi liquidity and swap integrations.
Similarity to traditional finance products
How Monerium maps onto established TradFi structures, and where it diverges.
| TradFi product | Similarity to Monerium | Key differences |
|---|---|---|
| Electronic money / stored-value account | EURe maps to regulated e-money redeemable at par, similar to stored-value electronic money accounts. | Onchain ERC-20 with Web3 IBAN rails; not a money-market fund and not deposit-insured. |
Research agentERC-8004
A passkey-owned AI agent that lives on Monerium and answers from its stablecoins, tokens, and RWAs — with its own on-chain ERC-8004 identity.
Checking for your Monerium agent…
AI Agent Skill
Machine-readable protocol knowledge for agents
Monerium — Research Skill
The onchain fiat platform.
monerium · v1.0.0
Facts
| category | Umbrella Entity |
| symbol | EURe |
| tagline | The onchain fiat platform. |
| arbitrumNative | no |
| chains | Arbitrum One |
| security | unverified (OZ-derived · unverified — agents are gated from interacting on-chain) |
| memberCoins | 5 (EURe, GBPe, USDe, ISKe, TRUE) |
| founded | January 01 2016, 05:00 AM EST |
Sections
Overview
Monerium is a regulated Icelandic EMI issuing EURe and GBPe as onchain e-money redeemable at par via banking rails and Web3 IBAN.
What makes it different
EURe is issued by a licensed EMI and redeemable at par via banking rails. It behaves like bank-issued e-money onchain, not an overcollateralized crypto stablecoin.
Components
- EURe: Regulated euro e-money on Ethereum, Polygon, Gnosis, and Arbitrum. EUR to Web3 IBAN to EURe, redeemable at par. - GBPe: Pound e-money token issued under the same EMI framework.
Member coins
- EURe (EURe) — Stablecoin, Regulated euro e-money (not yield/governance) - GBPe (GBPe) — Stablecoin, Regulated pound e-money - Monerium USD (USDe) (USDe) — Stablecoin, Regulated USD e-money (distinct from Ethena USDe) - ISKe (ISKe) — Stablecoin, Regulated Icelandic króna e-money - TRUE (TRUE) — Token, Crypto-asset identifier (utility, not yield)
Risks
- Regulatory: EMI regulatory regime changes or license constraints. - Counterparty: Banking partner (LHV) and custody counterparty risk. - Reserve / Depeg: Par/depeg risk under rail or redemption constraints during stress. - Smart Contract: Smart-contract risk on token and payment flow contracts. - Governance: Centralized issuer governance; no onchain DAO for monetary policy. - Network: Operational risk from chain congestion affecting redemptions.
TradFi analogue
- Electronic money / stored-value account: similar — EURe maps to regulated e-money redeemable at par, similar to stored-value electronic money accounts.; differs — Onchain ERC-20 with Web3 IBAN rails; not a money-market fund and not deposit-insured.
Actions
| Name | Signature | Access |
|---|---|---|
getProfile Read the CanHav profile for Monerium. | research_getEntity({ slug: "monerium" }) | read-only |
listMembers List the member coins (stablecoins / tokens / RWAs) under this entity. | research_listByCategory({ category: "entities" }) | read-only |
readLiveMetrics Read live on-chain supply / metadata for a member contract (Arbitrum). | chain_readLive({ address: "0x..." }) | read-only |
getHistory Pull historical peg / TVL series for a member protocol. | research_getHistory({ slug: "<member-slug>", metric: "peg" | "tvl" }) | read-only |
Glossary
- TVL
- Total value locked — assets held or managed by a protocol, in USD.
- APR
- Annual percentage rate — yield before compounding.
- RWA
- Real-world asset — an off-chain asset represented as an on-chain token.
- ERC-8004
- Trustless-agent identity standard; an agent's portable on-chain identity (ERC-721).