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Olbra

About Olbra

A Danish e‑money institution, building in Poland.

Olbra ApS is a Copenhagen e‑money institution supervised by Finanstilsynet, running a live European issuance stack. Product and engineering sit in Warsaw. The combination is deliberate: Danish supervision, Polish market focus.

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The vision

One stack. Every currency.

Olbra is not building a stablecoin. We are building the regulated rails for digital money in Europe, and the platform on top of them. One licensed e‑money stack issues the euro, the złoty and the dollar, and everything above — the app, the card, the payment rails — runs on money we issue ourselves rather than money we resell.

That is a different proposition from a neobank with a partner licence. It is also a slower one to start, which is the point: the regulatory work is behind us and it is the part that cannot be rushed.

Why hasn't someone bigger done this?

They are trying. The obstacle is not technology or capital — it is that an e‑money licence takes years, and the institutions best placed to get one have the most to lose by competing with their own deposit business.

Seventeen companies in the European Union hold the authorisation to issue e‑money tokens, across ten member states. It is a small number because the requirement is real: full reserves, redemption at par, a named supervisor who can act. That cost is what makes it worth having.

The path

Four phases. One direction.

The hardest part, being regulated, is already behind us. Everything else builds on it.

01 · IssueThree currencies under one licence. All three deployed and source‑verified on Ethereum mainnet; EURY in issue.
02 · ExpandA consumer app across the EEA, opening in waves, on money we issue ourselves. The dollar is the leg that reaches beyond it, once the approvals it depends on exist.
03 · The platform and the agentsCash, assets and yield on institutional rails — and the agentic layer, because software can hold a regulated token today and cannot open a bank account.
04 · What sits above cashTokenised metals and on‑chain yield on the same rails. Forthcoming.

Structure

The issuing entity

Legal nameOlbra ApS (Anpartsselskab)
Registered officeKrudtløbsvej 12, 1439 København K, Denmark
Company numberCVR 39 72 94 82
Legal entity identifier8945001XWFMRUTCAK575
AuthorisationElectronic money institution, Finanstilsynet, 11 February 2025, reference 17547
PassportingNotified across the European Economic Area

Why Denmark and Poland

Denmark because Finanstilsynet runs one of the more demanding e‑money regimes in Europe, and an authorisation that passports across the EEA is worth more than a lighter one that does not travel.

Poland because it is a market of forty million people whose currency nobody has issued digitally, where card and transfer fees are high and where the appetite for something better is already demonstrated.

The hardest part is done. Build with us.

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

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