Stable Mint is live. We are a regulated stablecoin payments infrastructure provider, issuing electronic money tokens under MiCA Title III authorisation and offering businesses the infrastructure to send, receive, and settle in stablecoins across Europe and beyond. This post explains what we have built, why we built it, and who it is for.

What Stable Mint does

Stable Mint provides two core products built on the same regulatory foundation.

Payments infrastructure allows businesses to accept stablecoin payments and settle directly into bank accounts or treasury positions, without relying on unregulated intermediaries. Payments settle on-chain and are available around the clock — no cut-off times, no correspondent bank delays.

Business accounts give companies multi-currency stablecoin accounts with IBAN-based rails for connecting to existing payment flows. Businesses can hold, send, and convert between EUR and USD-denominated stablecoins alongside traditional currency balances.

Both products operate under the same regulatory perimeter. Stable Mint holds EMI authorisation from a European competent authority, which is the mandatory licence for issuing electronic money tokens under MiCA Title III.

Our electronic money tokens: EURSM and USDSM

Stable Mint issues two EMTs:

  • EURSM — a EUR-denominated electronic money token, backed 1:1 by euro reserves
  • USDSM — a USD-denominated electronic money token, backed 1:1 by US dollar reserves

Both tokens are issued under MiCA Title III as electronic money tokens. Both are backed by fully segregated reserves held in compliance with Article 36 of MiCAR. Holders have an unconditional right to redeem at par value at any time.

This is not a novel or experimental asset structure. It is electronic money on a blockchain — the same obligations that apply to traditional e-money issuers, applied to crypto-asset infrastructure.

Why we built on regulation, not around it

The stablecoin market has grown significantly since 2020, but most of the volume sits in tokens that are not compliant with European regulation. USDT — the largest stablecoin by market capitalisation — does not hold EMI authorisation and cannot lawfully be offered to the public in the EU under MiCA.

For businesses operating in regulated sectors — payment institutions, financial institutions, corporates with compliance obligations — this creates an unacceptable risk. Accepting or building on non-compliant stablecoin infrastructure exposes businesses to regulatory, counterparty, and operational risk that does not exist when using licensed infrastructure.

We built Stable Mint because the regulated option did not exist at scale for B2B use cases. The EMT framework under MiCA is well-designed: it treats stablecoins as electronic money, requires the same capital and safeguarding standards as EMIs, and provides token holders with the same redemption protections. Our view is that this is the right framework, and that building on it is the only commercially durable path for stablecoin payments infrastructure in Europe.

Who this is for

Stable Mint is built for businesses, not retail consumers. Our target customers are:

Payment companies and acquirers that want to offer stablecoin settlement as an alternative to fiat rails, or to extend reach into corridors where traditional banking is slow or expensive.

Fintech platforms that want to add stablecoin accounts or treasury functionality without building their own EMT issuance and compliance infrastructure.

Corporate treasury teams that want to hold and move value in regulated digital currencies, across currencies, with 24/7 settlement finality.

Financial institutions that need a compliant stablecoin infrastructure partner for cross-border flows or new product development.

In all cases, the requirement is the same: a regulated counterparty, a MiCA-authorised EMT, and infrastructure that meets the compliance requirements of a European financial institution.

What comes next

We are onboarding our first business partners now. The platform is live. Integration is available via API.

If your business is evaluating stablecoin infrastructure — for payments, accounts, or settlement — we are ready to talk through what that looks like in practice. Get in touch with our team.