A MiCA-compliant euro stablecoin is a bank-backed digital token pegged 1:1 to the euro, designed to deliver near-instant, low-cost cross-border payments, programmable settlements and 24/7 access. Major European banks target issuance in H2 2026 to create a trusted, regulated euro payment standard.
Euro stablecoin issued by major EU banks, MiCA-compliant and pegged 1:1 to the euro
Designed for near-instant, low-cost cross-border payments and programmable settlements.
Consortium includes nine banks from eight EU states; target issuance: second half of 2026.
Euro stablecoin: MiCA-compliant euro stablecoin from major EU banks aims for H2 2026 launch to enable instant, low-cost euro payments. Read details and key takeaways.
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What is a MiCA-compliant euro stablecoin?
Euro stablecoin is a digital token pegged to the euro and designed to meet Europe’s Markets in Crypto‑Assets (MiCA) rules. It is intended to be issued by regulated banks, providing a secure, transparent and 1:1 euro-backed instrument for payments and settlements.
Which banks are building the euro stablecoin?
Nine banks from eight EU member states formed the founding consortium. Members include ING (Netherlands), UniCredit and Banca Sella (Italy), CaixaBank (Spain), Danske Bank (Denmark), Raiffeisen Bank International (Austria), KBC (Belgium), SEB (Sweden) and DekaBank (Germany).
The group has established a new company headquartered in the Netherlands to oversee development and governance. The consortium remains open to additional banks joining the project.
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The euro stablecoin aims to enable near-instant, low-cost cross-border payments and 24/7 settlement, reducing friction in traditional rails. It will support programmable payments for automated flows and improve supply-chain and digital-asset settlements.
According to the consortium statement, the design focuses on interoperability with existing banking infrastructure and compliance with MiCA to ensure regulatory clarity and consumer protection.
Expert perspective: “Digital payments are key for new euro-denominated payments and financial market infrastructure,” said Floris Lugt, ING’s digital asset lead and joint public representative for the project. “We believe this development requires an industry-wide approach, and it’s imperative that banks adopt the same standards.”
The consortium targets issuance in the second half of 2026. This timeline allows for technical development, regulatory alignment under MiCA and integration with banking and payments infrastructure across member banks.
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