Company
    Company

    Accelerating the World's Transition to Digital Money

    Overview

    Founded in 2016 by a Danish fintech company, e-Money is a blockchain-based payment platform that aims to bridge the legacy banking system with a single efficient blockchain layer.

    Built on Cosmos technology, the e-Money protocol is built for the issuance of a range of interest-bearing currency-backed stablecoins.

    Built for global payments
    • Fast

      Transact in under 500 milliseconds

    • Low Fees

      Send money globally for near zero transaction fees

    • Interoperable

      Inter-blockchain communication through the Cosmos hub

    • Reliable

      Secure payment network that runs without congestion

    • Simple

      Easy to use

    • Compliant

      Audited by Ernst & Young for proof of funds

    A few words from our founders

    People with Purpose.Pushing the World Forward.

    A few words from our founders

    e-Money currently supports the following tokens:

    EUR

    CHF

    SEK

    NOK

    DKK

    Staking Yield: 0.00%

    Secure the e-Money Network by staking Next Generation Money (NGM) token.

    Join our staking ecosystem.

    Roadmap

    Our Journey

    Planned
    Q1-Q2 (2022-12-01)

    Launch of NGM Liquidity Mining Program

    A liquidity mining program will be launched for NGM/USDT on Uniswap, PancakeSwap and Pangolin.

    Q1-Q2 (2022-12-01)

    Launch of EEUR Liquidity Mining Program

    A liquidity mining program will be launched for eEUR/USDT on Uniswap, PancakeSwap and Pangolin.

    Q1-Q2 (2022-03-31)

    Credit Card Payments

    In addition to bank transfers, users will be able to use their credit card when exchanging currency-backed stablecoins for fiat.

    Q1 (2022-01-01)

    Binance Smart Chain Integration

    The e-Money NGM token and stablecoins will become available on the Binance Smart Chain.

    Q1 (2021-12-31)

    Elrond Integration

    The e-Money NGM token and stablecoins will become available on Elrond.

    Q1 (2021-12-30)

    Stablecoin Centralised Exchange Listing

    The currency-backed stablecoins will be listed on the first centralised exchange, enabling seamless exchange between e-Money currency-backed tokens and traditional crypto-currencies.

    Q1/Q2 (2021-12-25)

    Polygon (previously Matic Network) Integration

    The e-Money NGM token and stablecoins will become available on Polygon.

    Completed
    Rebranding of logo and website (2022-01-13)

    Rebranding of logo and website

    Leading design agency Bürocratik completes the rebranding & digital transformation work previously announced.

    Q4 (2021-12-22)

    Avalanche Integration

    The e-Money NGM token and stablecoins will become available on the Avalanche C-chain.

    October (2021-10-31)

    Banking Relationship Established

    After thorough research the first banking relationship is established, paving the way for EUR, CHF, SEK, NOK and DKK backed tokens.

    September (2021-09-26)

    Launch of EEUR Liquidity Mining Program on Osmosis & SifChain

    EEUR and $NGM Liquidity Mining pools are now available on Osmosis & SifChain

    Q3 (2021-09-20)

    e-Money Mainnet upgrade

    Mainnet upgrade will be performed to introduce IBC support and number of major improvements to the DEX.

    June (2021-06-01)

    Second NGM Centralised Exchange Listing

    The e-Money NGM staking token is listed on the KuCoin exchange.

    May (2021-05-01)

    Uniswap v3 Migration

    Uniswap NGM liquidity was migrated to an NGM/USDT pool.

    April (2021-04-29)

    Uniswap Liquidity Pool

    The NGM/ETH liquidity pool was created on Uniswap.

    April (2021-04-28)

    Ethereum Integration

    The e-Money NGM token and stablecoins became available on the Ethereum mainnet.

    The official contract addresses are available in the FAQ.

    March (2021-03-27)

    Onfido Chosen as Identity Partner

    After careful research and negotiation e-Money picks Onfido as it's primary partner for identity verification.

    February (2021-02-28)

    Cosmos IBC Launches

    The long-awaited Cosmos IBC protocol launched enabling the Internet of Money.

    January (2021-01-31)

    NGM Centralised Exchange Listing

    The e-Money NGM staking token is listed on the AscendEx (former BitMax) exchange.

    December (2020-12-31)

    Swap Support in The Web Wallet

    The web wallet is extended with an intuitive web-based user interface for the e-Money decentralised exchange (DEX).

    November (2020-11-30)

    e-Money Web Wallet

    A non-custodial web wallet is launched at https://wallet.e-money.com. It supports signing using Ledger devices or through the Keplr browser extension.

    November (2020-11-30)

    e-Money Mainnet Upgrade

    The planned mainnet upgrade completes successfully introducing:

    • NGM token transferability
    • Updated token model, including a buyback and burn on NGM tokens
    • DEX update allowing market orders and lifetime controls: GTC, IOC and FOK

    June (2020-06-30)

    Financial Supervisory Authority Authorisation

    e-Money receives authorisation by the Danish Financial Supervisory Authority (Finanstilsynet) to exchange fiat and crypto currencies.

    April (2020-04-30)

    Sentinel Partnership

    e-Money partners with Sentinel: A distributed VPN solution with a novel bandwidth incentivization protocol.

    April (2020-04-29)

    Desmos Partnership

    e-Money partners with Desmos Network: A protocol to build open and decentralised social networks.

    April (2020-04-28)

    Regen Network Partnership

    e-Money partners with Regen Network: A global marketplace & contracting platform for Earth’s ecosystem assets, services, and data.

    April (2020-04-27)

    Certik Publishes Code Security Audit

    The leading blockchain security company Certik conclude on a thorough security audit of the e-Money codebase:

    "e-Money's theoretical model and implementation are well-designed and executed cleanly, demonstrating a good command over the relevant best practices."

    Read the full report here.

    April (2020-04-26)

    First Tokens Minted on Mainnet

    The first fully backed EUR, CHF, SEK, NOK and DKK tokens are minted on the e-Money mainnet.

    March (2020-03-31)

    Figment Network Launches Block Explorer

    Figment Networks launches a block explorer for the e-Money mainnet.

    In addition to this, Figment Networks offer institutional grade infrastructure, software, and governance solutions for networks, token investors, and enterprise clients.

    March (2020-03-30)

    Ecosystem Fund Launches

    The e-Money ecosystem fund is announced with a number of available grants.

    Qualified projects must drive adoption, e.g. wallet providers, exchanges and applications using e-Money tokens.

    March (2020-03-29)

    Lunie First to Offer e-Money Integration

    Lunie wallet announces its first ever mainnet integration with e-Money.

    In addition to a user-friend web wallet, Lunie is launching e-Money enabled mobile wallets for Android and iOS in near future.

    March (2020-03-28)

    Mainnet Launch

    The e-Money mainnet was successfully launched on March 25th, 2020 at 12:00 UTC with more than 30 validators joining within the first few hours.

    See the launch announcement.

    January (2020-01-31)

    Launch of Fifth Testnet

    This testnet introduces a decentralised exchange (DEX), the first such on Cosmos Network with no listing requirements and near-zero fees.

    See the launch announcement and take a tour of the e-Money DEX.

    December (2019-12-31)

    Open Market Partnership

    A partnership is announced with ecosystem project Open Market: A non-fungible asset marketplace for Cosmos.

    October (2019-10-31)

    Clarification of Regulatory Status

    The regulatory status of our currency-backed stablecoins is further clarified through expert advice from DLA Piper offices in London and Copenhagen.

    September (2019-09-30)

    Launch of Third and Fourth Testnets

    These testnets introduce a novel model for token issuance and liquidity provision, paving the way for numerous on/off-ramp partnerships.

    See the launch announcement for the fourth testnet.

    August (2019-08-31)

    Launch of Second Testnet

    This testnet introduces a high-precision token inflation model based on Tendermint block timestamps.

    This is important to ensure a viable business model for our currency-baked tokens and NGM token holders. See the launch announcement.

    August (2019-08-30)

    IOV Partnership

    IOV and *starnames are all about crypto-payments made easy. This goes hand in hand with the e-Money vision.

    August (2019-08-29)

    IRISnet Partnership

    A partnership is announced with IRISnet: The foundation for next-generation dapps by offering a service-oriented infrastructure for the Cosmos Network.

    August (2019-08-28)

    Launch of First Testnet

    This testnet is the first to implement on-demand block generation using standard Tendermint and Cosmos SDK software.

    On-demand block generation is a vital to ensure payments are processed instantly, typically in less than 500 milliseconds.

    August (2019-08-27)

    e-Money A/S is Established

    e-Money A/S is incorporated in Denmark as company number 40717382.

    The company is a fully owned subsidiary of Block Finance A/S.

    July (2019-07-31)

    Development of Blockchain Software Started

    Development of the em-ledger blockchain software begins. It is based on the Cosmos SDK which has matured and stabilised leading up to Cosmos Network launch.

    July (2019-07-30)

    The Internet of Blockchains Launches

    The Internet of Blockchains, a.k.a. the Cosmos Network launches with the Cosmos Hub. The Cosmos Hub is a key component in fulfilling the e-Money vision of frictionless payments.

    March (2018-03-31)

    EY Appointed as Auditor

    EY is appointed as auditor for the Block Finance group of companies and can provide proof of funds for the currency-backed stablecoins.

    January (2018-01-31)

    Whitepaper Released

    The plans for our interest bearing, currency-backed stablecoins are made public. In the context of payments, the whitepaper stresses the importance of offering an efficient way to transfer and exchange tokens quickly and with finality.

    The latest whitepaper is available here.

    October (2017-10-31)

    Central Bank Meeting

    A meeting is held with the central bank of Denmark (Nationalbanken) to discuss the implications of our planned activities. Among the topics are the effect of negative interest rates on fiat tokens.

    October (2017-10-30)

    Exploration of Regulatory Landscape

    A collaboration with leading fintech lawyer Michael Camphausen is established and discussions with the Danish Financial Supervisory Authority (Finanstilsynet) commences.

    July (2017-07-31)

    Block Finance A/S is Established

    Block Finance A/S, the parent company of e-Money A/S, is incorporated in Denmark as company number 38771698.

    March (2016-03-31)

    Early Prototyping Begins

    To test the viability of payments using currency-backed stablecoins, early prototyping begins using Tendermint technology and application code written in C++.

    2022202120202019201820172016
    Background Shapes Background Shapes
    Meet The People

    A Team of Finance and Technology Experts

    Dedicated to help people around the world gain easy access to digital currencies, democratise payments and grow financial inclusion.

    Martin Dyring-Andersen

    Serial entrepreneur with 20 years of experience within startups, algorithmic trading and FX markets.

    Henrik Aasted Sørensen

    Senior software engineer with 15 years of experience within financial infrastructures, security and consulting.

    Frederik Køhler

    Senior banker with 15 years of experience working for leading investment banks in Scandinavia and Luxembourg.

    Shalini Wood

    Marketing professional with 15 years’ extensive PR/ Communications, digital marketing and branding experience within global organizations and Blockchain startups.

    Every day our team is dedicated to work with integrity, transparency and passion.

    Jacob G. Dinesen
    Senior Software Developer

    Jacob G. Dinesen

    Senior software engineer with 10 years of consultancy experience from clients ranging from big pharma, government and finance to smaller companies and crypto startups.

    Anna-Sophie Bager
    Legal & Compliance

    Anna-Sophie Bager

    Anna-Sophie is an assistant attorney with Bruun & Hjejle and manages compliance at e-Money.

    Morten Schultz
    Advisor

    Morten Schultz

    Morten is associate partner with Bruun & Hjejle with 10+ years of advising on financial regulatory matters.

    Zaki Manian

    Working towards sovereign interoperable blockchains with Cosmos Network. Cofounder of Iqlusion, Inc.

    Harriet Cao

    Building technology foundation for distributed business ecosystems. Cofounder at IRIS Foundation Limited & Founder of Bianjie AI.

    We celebrate ideas, teamwork and committed to building a more inclusive financial future.

    Jack Zampolin

    Blockchain Ronin building Decentralized Application Platforms. VP Product at PeggyJV.

    Lars Stage Thomsen
    Advisor

    Lars Stage Thomsen

    Managing Director at Visigon, a Nordic consultancy bridging the gap between finance and technology. Strategic advisor and member of the Danish Fintech Committee.

    Marianne S. Nellemann
    Partner

    Marianne S. Nellemann

    Financial partnership expert with 20 years of experience within financial institutions.

    Henrik Ørum
    Chairman

    Henrik Ørum

    Experienced lawyer specialising in corporate law. Active board member in numerous companies.

    Use our brand with care
    Brand Guidelines

    Use our brand with care

    Download Brand Kit Download Brand Kit