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Monerium is a regulated electronic money institution offering authorized onchain fiat currency, primarily the euro (EURe), as an ERC-20 token. It enables developers and enterprises to integrate real euros directly into blockchain applications, bypassing traditional banking rails. The platform supports fast, low-cost, and borderless euro payments on Ethereum, Polygon, and Gnosis chains, with cross-chain transfer capabilities. Monerium’s solution bridges the gap between traditional finance and Web3 by providing a compliant, secure, and instantly redeemable digital euro.

Monerium’s core features include a Web3 IBAN that allows users to send and receive euros between onchain wallets and offchain bank accounts seamlessly. The EURe token is fully backed by over 100% high-quality liquid assets held in segregated accounts, ensuring security and regulatory compliance within the European Economic Area. Developers can leverage Monerium’s API to automate payment flows, build custom payroll systems, or integrate fiat on/off ramps into decentralized applications. The platform’s smart contracts have undergone independent security audits, reinforcing trust and reliability.

What sets Monerium apart is its regulatory authorization as an Electronic Money Institution under EU law, providing legal clarity and compliance that many stablecoins lack. Its tight integration with SEPA banking infrastructure enables real-time euro transfers without the delays and fees typical of traditional banking. Notable integrations include Gnosis Pay, which uses Monerium to settle Visa transactions with stablecoins, and MetaMask, which supports EURe top-ups. This makes Monerium a practical choice for projects needing a compliant euro stablecoin with seamless fiat interoperability.

To get started, developers can sign up for an account, access the sandbox environment, and use the comprehensive API documentation to integrate EURe tokens into their applications. Monerium also offers partnership programs for businesses aiming to build custom payment solutions or embed onchain euros into their platforms.