• The Next Generation of Money

Money for the

Global Citizen

Enabling the

Network Economy


Local Business

Reducing friction for

Global Trade

e-Money is the leading issuer of interest-bearing, currency-backed tokens on blockchain. Our technology facilitates sub-second payments on a global scale, settled immediately.

Fully Collateralised


Our tokens are backed by collateral in the form of deposits and government bonds held at commercial banks. The collateral is kept in segregated accounts to keep them insulated from the finances of e-Money A/S.

Global Currencies


Being based in Europe, we will initially issue EUR and CHF tokens. Our long-term vision is to support all global currencies, starting with the top ten by trading volume.

Interest Bearing


Similar to savings in a bank account, our tokens are interest bearing. Interest is applied without the need to lock up funds and follows the rate set by the central bank of the respective currency.



To substantiate that our tokens are fully collateralised, our auditors at Ernst & Young can provide quarterly proof of funds. We believe that this level of transparency is fundamental to maintain trust in our tokens.



An essential prerequisite for operating our service is full compliance with European legislation, such as Anti Money Laundering measures.



In the unlikely event of the insolvency of e-Money A/S, funding has been set aside to finance the liquidation process. This includes redeeming all issued tokens, offering an additional layer of token ownership protection.


We are leveraging the latest advancements in blockchain technology to provide the next generation of money. Our tokens are issued in ecosystems such as the Cosmos Network and IRISnet, which are characterized by offering

  • Sustainability through Proof-of-Stake consensus
  • Immediate finality and settlement
  • Scalability enabling real-time global payments
  • Open access without gatekeepers
  • Extensible and easy integration for any application