Monerium

• Name: Monerium
• URL: https://monerium.com/
• Category: e-money issuer / IBAN-linked stablecoin payments stack
• Tags: ethereum-ecosystem
• Summary: Monerium is a regulated e-money issuer that bolts IBANs and SEPA flows onto its own tokenized cash. The useful thing here is not onchain fiat branding. It is issuer control over wallet linking, account provisioning, redemption, and which chains get first-class bank-rail attachment.
• What it does:
  • Issues regulated e-money tokens such as EURe, GBPe, ISKe, and USDe across multiple blockchains
  • Lets developers link blockchain wallets to Monerium profiles and provision IBANs tied to those users or businesses
  • Supports incoming and outgoing SEPA payment flows, redeem orders, and cross-chain bridging through API workflows
  • Offers three integration models: full whitelabel lifecycle management, OAuth-based user authorization via Monerium, and private access for a firm’s own account
  • Publishes SDKs, an OpenAPI surface, React provider packages, sandbox tooling, and AI-ready integration context files
• Key claims:
  • Official docs position Monerium as an API for issuing regulated e-money on-chain, automating SEPA payments, and connecting bank accounts to blockchain wallets
  • The tokens page says Monerium e-money tokens are live on Ethereum, Gnosis, Polygon, Arbitrum, Base, Linea, Scroll, Noble, and Camino, with sandbox support on major testnets
  • The whitelabel docs explicitly promise dedicated IBANs and onchain addresses per customer under a partner’s own brand
  • Monerium’s smart-contract repo describes its product as onchain fiat infrastructure where users can transfer regular money directly between offchain banks and Web3, with fully authorized, regulated, and backed onchain fiat
  • The smart-contract docs also frame Monerium EMI as a licensed e-money institution and note MiCA-compliant stablecoins, which is a strong categorization signal that this is bank-rail/e-money infrastructure rather than a generic DeFi stablecoin project
• Whitepaper: No classic standalone whitepaper or litepaper was found during this pass. The strongest primary materials were Monerium’s developer docs, token/API surfaces, whitelabel integration docs, AI context-file page, and GitHub repos for contracts, SDKs, and developer portal code; see ../whitepapers/monerium-primary-sources-2026-04-26.md.
• Sources:
  • https://monerium.com/
  • https://docs.monerium.com/
  • https://docs.monerium.com/tokens
  • https://docs.monerium.com/whitelabel
  • https://docs.monerium.com/use-with-ai
  • https://docs.monerium.com/api
  • https://github.com/monerium
  • https://github.com/monerium/smart-contracts
  • https://github.com/monerium/js-monorepo

Internal linkages

• Keep the linkage budget short.
• Best reads: circle-usdc, paxos, and m0.

Control surface

• Practical authority sits in onboarding, wallet linking, IBAN issuance, SEPA access, redemption handling, and chain support.

• So the token leg is only half the story. Monerium matters because it decides which addresses get bank-account behavior and under what compliance burden.

• Read it as a regulated issuer stack with chain extensions, not as a neutral euro rail.

• Last reviewed: 2026-05-30 UTC