Stablecoin account — regulated and live

Your money.
Moving faster.

Hold EUR and USD in a regulated stablecoin account. Send across borders in seconds. Convert on demand. Withdraw to your bank any time.

Hero visual Video loop · Product animation · Photography
~10 seconds Settlement time
EU regulated EMI-authorised, MiCA-compliant
$266B+ Stablecoin market cap

$0T

settled last year.
Stablecoins aren't coming. They're here.

Digital EUR and USD — faster, cheaper, and built for the internet. Regulated access, EU-licensed from day one.

Your account

Hold. Send. Convert.

Hold EUR and USD

Your own regulated account with a virtual IBAN. Fund via bank transfer, pay-by-bank, or card. Your balance is always backed 1:1 by fiat reserves.

Stacked balance cards EUR · USD · Animated card rotation

Send globally in seconds

Transfer to any bank account via SEPA or SWIFT. Or send stablecoins directly to any wallet on-chain. Cross-border payments that settle before you put your phone down.

Transfer animation €500 → Maria G. · Berlin · 8 sec

Convert on demand

Move between EUR and USD instantly. No exchange. No intermediary. One tap, competitive rates, always transparent.

Converter UI EUR ↔ USD · Live rate · SendMoneyConverter

Instant settlement

€500 to Berlin.
8 seconds.

SEPA Instant or on-chain. Cross-border transfers that arrive before you put your phone down. No waiting days. No hidden fees. No intermediaries.

Send money now
Transfer confirmed EUR

€500.00

To Maria G. · Berlin

Settled in 8 seconds

Transfer confirmed USD

$1,200.00

To João S. · Lisbon

Settled in 6 seconds

Transfer confirmed EUR

€280.00

To Anna V. · Amsterdam

Settled in 10 seconds

How it works

Open an account.
Start in minutes.

Step 01

Sign up in minutes

Create your account and verify your identity in minutes. KYC is fully guided — no branch visits, no paperwork.

Step 02

Get your virtual IBAN

Receive your personal virtual IBAN instantly. Start accepting bank transfers and payments from anywhere in Europe.

Step 03

Hold, send, convert

Manage all your currencies in one place. Send money instantly, convert between stablecoins, withdraw to your bank whenever you want.

Compliance

Built regulated.
From the ground up.

Authorised by the MFSA as an Electronic Money Institution. MiCA-compliant. PSD2-licensed. Every token backed 1:1 by fiat reserves in segregated accounts — not lent out, not invested, not commingled.

EMI-authorised
MiCA-compliant
PSD2-licensed
Trust visual Shield · Regulatory graphic · Partner logos

Transparency

Every token on-chain.
Every reserve verified.

Live data from the blockchain — nothing hidden, nothing inferred.

USDSM supply
EURSM supply
 
 
Backed by
&

Join thousands moving money smarter

Open your account.
Move money now.

Create your account in minutes. Virtual IBAN included. Zero fees.

No credit card required · Takes 5 minutes