Business euro IBAN accounts, direct SEPA access, and EURW — a MiCA-compliant euro stablecoin. Programmable European payment infrastructure, fully regulated, in one integration.
A regulated European payment company giving fintechs, neobanks, and PSPs euro accounts, SEPA rails, and a compliant euro stablecoin — without building the infrastructure themselves.
Serves businesses and consumers across Europe — fintechs, neobanks, PSPs, exchanges, and individuals using Newrails’ euro products.
Authorised as an Electronic Money Institution by the Bank of Lithuania (No. 69), with client funds held in regulated accounts.
Not a crypto exchange and not a global multi-currency network — it is regulated European payment infrastructure.
Hold, move, and settle euro across fiat and on-chain — through a single API, inside a fully licensed EU framework.
Dedicated euro IBANs issued in the client's own business name — not virtual or pooled accounts. Genuine account ownership with a direct relationship to the payment infrastructure.
Direct access to the SEPA network — Credit Transfer and Instant. Move euro across the 36-country SEPA zone, with SEPA Instant settling in seconds, 24/7/365.
A MiCA-compliant euro stablecoin issued by Newrails on Monad. Pegged 1:1 to the euro and backed by euro reserves held in regulated accounts. Newrails is the issuer.
Developer-facing infrastructure to embed IBAN issuance, SEPA transfers, and EURW directly into your product. A single integration point for EU payment infrastructure.
EURW bridges SEPA fiat flows and on-chain settlement inside a single MiCA-compliant framework. Built on Monad — a high-performance, EVM-compatible Layer 1 — so it plugs into the broad Ethereum ecosystem while benefiting from Monad’s settlement performance.
EURW overviewIssue named euro IBANs to your business customers through one API integration.
Access standard and instant SEPA rails for euro transfers across 36 countries.
Use EURW to bridge SEPA fiat and on-chain settlement in a MiCA-compliant framework.
Use regulated EU banking infrastructure without holding your own EMI licence.
Convert between fiat euro and EURW within a single regulated framework.
Hold and deploy EURW for programmable euro treasury and settlement workflows.
“Regulated EU banking infrastructure and a compliant euro stablecoin — without building either yourself.”
Most providers cover one side — fiat or crypto. Newrails covers both under a single EMI licence: euro accounts, SEPA, and a MiCA euro e-money token.
| Feature | Newrails | BaaS / Stablecoin issuers |
|---|---|---|
| Regulatory scope | EMI-licensed (Bank of Lithuania) | Often unlicensed or reliant on third parties |
| Euro infrastructure | Named IBANs + direct SEPA access | Often pooled / virtual IBANs only |
| On-chain asset | MiCA-compliant EURW, on Monad | Often rely on third-party stablecoins |
| Focus | API-first, businesses & consumers | Often legacy tech or limited coverage |
Newrails is authorised as an Electronic Money Institution by the Bank of Lithuania — covering euro accounts, SEPA, and the issuance of EURW as a euro e-money token under MiCA.
Permits Newrails to issue electronic money, hold client funds, and provide payment accounts — including named euro IBANs — and to access SEPA under EU PSD2.
Verify on the Bank of Lithuania register (No. 69)EURW is a euro-denominated e-money token, issued by Newrails under its EMI licence in line with MiCA — pegged 1:1 to the euro and backed by euro reserves held in regulated accounts.
See the download centre for the EURW whitepaperNewrails’ smart contracts and platform architecture have undergone a comprehensive independent security audit — a primary trust badge for EURW and the underlying protocol.
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