Permission
People and businesses depend on whoever holds their money. Access can be delayed, limited or refused. You find out about it the moment you need it.
Level up your money
A regulated issuer of digital money, and the system that moves it between people and businesses.
Olbra ApS Authorised by Finanstilsynet, 11 Feb 2025 CVR 39 72 94 82 LEI 8945001XWFMRUTCAK575 Passported across the EEA Check every entry →
The problem
Someone else decides what your money can do.
Time
Instant payments stop at the edge of a currency. Send euros to a złoty account, or dollars across the Atlantic, and the payment goes back through correspondent banks, on their cut‑off times.
Cost
A payment in another currency carries an exchange margin on top of the fee. Send it outside Europe and intermediary banks can each deduct a charge before it arrives.
It was built decades before the internet, and it still works that way.
The solution
One financial system, running on open rails.
Olbra is building one financial system on open blockchain rails, on top of currencies issued as regulated digital money.
What that gives you is money that moves in seconds, at any hour of any day, and stays in your own wallet — from your phone or your desktop.
Stablecoins
Introducing the next generation of money.
Stablecoins are digitised money — money that is faster, cheaper to move and truly yours. They live on a public network instead of in a bank's ledger.
- 100%
- Yours, in your own wallet
- 24/7
- Available, every hour of the day
- Seconds
- To settle, across any border
As a licensed e‑money institution, we are authorised to tokenise every single European currency. The US dollar too. We started with the euro, the Polish złoty and the dollar. It is the first step in tokenising the entire European economy.
Our current portfolio
Coming soon
- Romanian leu
- Czech koruna
- Hungarian forint
- Swedish krona
- Danish krone
Tokenised assets
Next: more than money.
A government bond settles in two days, sits with a custodian you never meet, and can only be sold in office hours. Those limits come from the paperwork around the bond, not from the bond.
Put the same instrument on‑chain and it moves in seconds, sits in the balance your salary lands in, and can back a loan without being sold first. The asset stays the same. The handling around it gets faster.
EUR Money‑market fund
USD Money‑market fund
PLN Government bonds
Au Gold
Ag Silver
Credit
Borrow against what you hold, without selling it.
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A stablecoin, gold, a government bond, or crypto you already own.
You hold something.
-
It is locked while the loan is open, and released when you repay.
You pledge it.
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Morpho, on‑chain and permissionless. No application, because there is nothing to assess.
The protocol lends.
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If what you pledged falls far enough, it is sold to close the loan.
You repay when you want.
The card
Make your tokenised assets spendable.
Holding an asset and using it have always been two different things. With Olbra, they become one.
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The Olbra app
All of this in one place.
Store
Digital złoty, euros and dollars, each held as itself.
Send
To another Olbra balance or any other wallet, in seconds, on any day, at any hour.
Receive
Get paid without waiting for a working day to start.
Earn
Put a balance into third‑party lending vaults, at a variable rate. You can lose money.
Spend
A card for Apple Pay and Google Pay, where available, drawing on whichever currency you hold.
The team
Built by people who have done this before.
Questions
FAQs
Is Olbra a bank?
No. We are an e‑money institution. Different licence, different rules.
We safeguard your money. We do not hold it as a deposit. Client funds sit at a bank, separate from ours, and cannot be used to run the business. No state deposit‑insurance scheme covers them.
Where does it work?
Across the European Economic Area.
Our authorisation is European, so the app’s card and bank services are not offered in the United States.
What happens if I lose my phone?
Your money is on the blockchain. The phone holds the key that reaches it.
The key is yours, not ours. We cannot reset it. Set up your recovery when you install the app.
Do I have to tell you who I am?
Not to hold a wallet.
Adding money, using the card, cashing out and redeeming are regulated steps, and identity is checked at those points — by us, or by the provider you use for that step.
Does my balance earn anything?
No. European law forbids any e‑money issuer from paying interest on a balance.
Separately, the app will offer Earn: you can choose to put a balance into third‑party lending vaults at a variable rate, and take it out when you want. It is not a deposit, the rate is not a promise, and you can lose money.
Who is behind this?
Olbra ApS, Krudtløbsvej 12, Copenhagen. Company number 39 72 94 82.
The authorisation is in the Finanstilsynet register. The company registration is public. Every token contract is verifiable on‑chain, and every identifier is on one page, beside the register that records it.
Olbra ApS was called Eurodollar ApS until July 2026. Some public registers still show the former name, under the same company number.