Holder rights

What you are owed, and what you are not.

These rights come from Regulation (EU) 2023/1114 (MiCA) and from the e‑money licence. They are obligations Olbra ApS owes you, not commitments we chose to make.

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In circulation

1.00

Safeguarded

1.00

Held apart from our own funds, so they are not available to our creditors. Never lent out.

What you have

Redemption at par, on demand

You may exchange EURY, PLNY or USDY back for the same face amount in ordinary money, at any time, at no fee. Not subject to liquidity, notice or our discretion.

Full backing, held apart

Reserves equal to tokens in circulation, safeguarded separately from our own funds so they are not available to our creditors.

A supervised issuer

Olbra ApS is supervised on an ongoing basis by Finanstilsynet — capital, safeguarding, governance and financial‑crime controls.

A published whitepaper

A notified MiCA whitepaper for each token, setting out the terms in binding form.

What you do not have

Interest

E‑money tokens pay no interest. MiCA prohibits it. Anyone offering yield on an e‑money token is either not offering an e‑money token or is not compliant.

Deposit‑guarantee cover

Your balance is not a bank deposit and is not covered by any deposit‑guarantee scheme. Safeguarding is a different protection.

Safeguarded is not insured Safeguarding means the money is ring‑fenced from our creditors, so a failure of Olbra should not consume it. It does not mean a state scheme reimburses you if something goes wrong. Those are genuinely different protections and it matters which one you are relying on.

The hardest part is done. Build with us.

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

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