Smarter Money for European Businesses
EURD is an instant, programmable euro that transfers with zero fees — the digital currency that transforms how your business captures, moves and manages money.
Traditional euros can't support the new business models in 2025
Compliance with payment regulation is incredibly expensive
Travel rule regulation, transaction monitoring, AML, CTF, and KYC are all placing unaffordable burdens on payment operations
Fees and “nearest-cent rounding” kill micropayments
When transaction costs exceed the payment value itself, pay-per-use services, agentic AI and IoT payments become economically impossible
Vouchers and localized currencies are hard to manage
Purpose-bound money and regional payment systems remain cumbersome, lack transparency, and are susceptible to misuse
Legacy escrow and conditional payments are inflexible
Complex transactions require costly intermediaries because traditional money lacks programmable logic.
Traditional e-money solutions do not support new fintech business models
Many startups need regulated wallet-based payments solutions, but cannot afford the necessary licensing, compliance operations or infrastructure themselves.
Introducing EURD
EURD can be used as e-money or as a digital token, always within a secure and closed system. It enables instant payments, with no fees, and offers smart programmable features.
Zero-Free Transfers in Seconds
Move money between countries, branches, accounts, departments, consumers, or partners instantly with no transaction fees. Eliminate payment processing and banking delays while maintaining full visibility.
Superior Counterparty Risk
100% backed, safer than many cash accounts - with reserves kept in segregated accounts with Tier 1 banks and AAA EU government bonds.
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EMI for European Innovation
Build new business models powered by a blend of traditional EMI services and the power of stablecoins.
Compliant
EURD issued as traditional electronic money is compliant with the European Electronic Money Directive. In addition, when issued as an e-money token (EMT), EURD is also compliant with the Markets in Crypto-Assets Regulation (MiCAR).
Next Generation of Euros
You'll find EURD in action in everything: from cost-effective micropayments and purpose-bound tokens to privacy-first transfers, smart escrow logic, and turnkey e-money infrastructure — all under full EU compliance.
Optimal Treasury Management
Instantly pool, reallocate and use cash where it's needed, within the safety of your own closed loop system — across teams, geographies, or vendors. Eliminate working capital costs and improve treasury agility with programmable transfers available 24/7.
Fintech e-Money Infrastructure
Integrate a turnkey, compliant digital euro platform quickly with robust APIs, secure wallet systems, and comprehensive regulatory coverage managed by Quantoz's EMI license.
Purpose-Bound & Local Euros
Issue digital euros programmed for specific contexts with geographic or merchant-specific restrictions. Customize spending rules, including expiration dates and regional limitations.
Micropayments
Enable high-volume transactions for small-value payments at ultra-low-cost. Process digital content, IoT services, and micropayments profitably without losing margins to fees.
Privacy-Friendly Payments
Offer pseudonymous transaction options that safeguard user identity while maintaining compliance. Tiered KYC and transfer protocols enable verified yet discreet transactions.
Smart Transactions (Escrow or DvP)
Enable automated, conditional euro payments that only execute when predefined conditions are met. Streamline complex transactions without third-party intermediaries.
Learn about the key differences between our European-regulated stablecoins and e-money solutions. All of our payment solutions are designed to be EMD and/ or MiCA compliant and are categorized as e-money or E-Money Token.
2. Customer-hosted wallet for on-chain E-Money Token
