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Olbra

Digital money, and
everything that builds on it.

We issue the euro, złoty and dollar as regulated stablecoins under a Danish e‑money licence, backed one‑for‑one and deployed on Ethereum.

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How the tokens work Verify the licences EURY on‑chain ↗

Liquidity, settlement and infrastructure

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What's underneath

Other apps rent their rails. We own ours. Most neobanks are an interface on somebody else's licence — each party takes a cut, and each one can say no. Olbra is the institution, the issuer and the rail, in one perimeter.

Authorisation

Licensed to issue. Not licensed by someone else.

Select a jurisdiction

Home regulator

Finanstilsynet

Olbra ApS is authorised as an Electronic Money Institution by the Danish Financial Supervisory Authority. CVR 39 72 94 82, Copenhagen.

What it permits

Issuance of e‑money

Issuing electronic money and e‑money tokens, and safeguarding the reserve assets that back them.

Supervision

Ongoing, not one‑off

Capital, safeguarding, governance and financial‑crime controls supervised continuously, with a dedicated MLRO in post.

3 currencies issued in‑house
EEA passported on one licence
17 authorised EMT issuers in the EU
1:1 redeemable at par, on demand

The platform

The regulated money platform.

One licence underneath. The app on top. Everything in between runs on the same money we issue ourselves.

Three currencies, deployed

PLNY, EURY and USDY are deployed and source‑verified on Ethereum mainnet. Not a roadmap.

Stablecoins

Mint and redeem at par

Wire in, tokens out. Send them back and the money returns. No FX leg, no spread, no fee.

Stablecoins

Rails that settle in seconds

Collection, payout and settlement in three currencies, on one licence instead of three banking relationships.

How settlement works

Assets on the same rails

Tokenised gold and institutional money‑market exposure, held in the same account as your cash. E‑money pays no interest by law, so the instrument that earns is a separate regulated one.

On the same rails

Distribution

We pay businesses to move money onto our rails.

A business holds balances — customer funds, payroll, settlement float. Held at a bank, those balances earn for the bank. Held in our money, the reserves behind them earn, and a share of that goes to the business that brought them.

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Institutions

Exchanges, payment providers and banks place client funds and settlement balances on rails they can reconcile on‑chain.

Tokenised assets

Real assets, on the rails that already carry your cash.

An e‑money token is forbidden from paying interest — that is MiCA, not a policy choice. So the money that moves and the instrument that pays are deliberately different things, issued under different authorisations and held in the same account. No second app, no separate custodian to vet.

Au

Gold

Allocated bars with recorded serial numbers, not a share of a pool. The custody model is the hardest part, and gold is where we solve it.

%

Money‑market yield

Institutional money‑market exposure in a single token. This is where a balance can earn, because e‑money itself is prohibited from paying interest.

Ag

Silver

The same custody chain and bar‑level records, once gold is running.

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Stocks

Closer to securities law than to MiCA, so the structure is built for that.

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Other real‑world assets

Anything a supervised institution can be custodian of record for.

The card

A card you can use in minutes

Open the app, pass verification once, and your virtual card is in Apple Pay or Google Pay before you close it. The physical card follows in the post.

See the card in the app
The Olbra metal Visa card

Agentic payments

Money software can hold.

Software is starting to buy things on its own. It needs money it can legally hold and rails that clear in seconds. The money exists and is regulated today; the agent‑facing rails are being built on it.

An agent cannot open a bank account

But it can hold a token and sign a transaction. That is the whole unlock.

Payments worth making at any size

Card rails price out micro‑payments. Ours clear for a fraction of a cent, around the clock.

Final, and auditable

Settlement is on‑chain, so every payment reconciles. No reversals three weeks later.

Money compliance will sign off

E‑money under MiCA, from a supervised issuer.

Talk to us about agent payments

Questions

The ones we actually get asked.

If yours is not here, ask us directly. We answer.

Get in touch
What does Olbra actually do?

We issue three stablecoins — the złoty, euro and dollar — under a Danish e‑money licence, and we run the payment rails that move them. On top of that sits a consumer app. Everything uses the same money and the same licence.

Are you a bank?

No. Olbra ApS is an authorised electronic money institution, supervised by Finanstilsynet in Denmark. We can issue electronic money, hold it for you and move it. We do not lend it out, which is also why balances are not covered by a deposit guarantee scheme. They are backed instead by reserves held apart from our own funds.

What backs EURY, PLNY and USDY?

Cash and equivalents held one‑for‑one, separate from company money. You can redeem at par at any time, on demand, with no fee. Tokens pay no interest — that is what the regulation requires of e‑money.

Is this live or is it a roadmap?

The licence and the contracts are real today. All three tokens are deployed and source‑verified on Ethereum mainnet, and the PLNY whitepaper is published and notified to the Danish regulator. EURY is in issue; PLNY and USDY are deployed with issuance commencing. The app is the part still opening, in waves, EEA first.

How do I check any of this?

Look us up. The Danish FSA register carries the e‑money authorisation under reference 17547, and the ESMA registers list the notified tokens. Every claim on this site is meant to survive that check.

What does it cost a business to use this?

Less than nothing, in the ordinary case. Reserves backing the tokens earn while they are held, and a share of that goes to whoever brought the balance. With cards and banks a business pays to handle money; here the balance earns. Terms depend on volume and are written down plainly before anyone signs.

We want to integrate. Where do we start?

One conversation. Tell us what you are moving, in which currencies, and where your users are — we will tell you honestly whether we are the right rail. The contact page routes to the right desk rather than a shared inbox.

Which countries can you serve?

The Danish authorisation is passported across the European Economic Area. The United States is a direction rather than a date: we cleared the stricter regime first, and any dollar activity there depends on approvals nobody has been granted yet.

The hardest part is done. Build with us.

Institution, investor, regulator or journalist: one conversation starts it.

Talk to us