One account for fiat, stablecoins, and physical metals.
Obliqo is a European-regulated platform that brings together fiat IBANs, MiCA-authorized USDC and EURC balances, and allocated gold and silver storage in one account for private and business users. USDT is supported as a secondary rail through the VASP leg. Client funds are safeguarded 1:1 under EMI rules, never lent out.
- Private
- Business
- Commodity trading
- Mining
- Gold and silver
2,400+ early members already on the list.
Private or business. One platform.
Pick the account that fits how you move money. Switch or run both.
Private accounts
For individualsPrivate accounts hold fiat, stablecoins, and physical metals in one balance, with optional self-custody.
- Personal IBAN in your name
- Visa and Mastercard issuing
- USDC and EURC, MiCA-authorized
- Allocated gold and silver storage
- Self-custody and cold-wallet connection
Business accounts
For companiesBusiness accounts cover treasury, payouts, and acceptance in fiat and stablecoins, with multi-user controls and an API.
- Segregated business IBANs
- Multi-user roles and approvals
- Batch payouts in fiat or stablecoin
- API for treasury and reconciliation
- Commodity and mining workflows
Fiat and stablecoins, held in one balance.
Traditional finance
Obliqo runs on EU and local bank rails, including IBAN accounts, SEPA transfers, and Visa and Mastercard issuing.
- · Dedicated IBAN in your name
- · SEPA Instant in and out
- · Visa and Mastercard issuing
- · Bank-grade reporting and statements
Stablecoin economy
Users hold and move USDC and EURC, the MiCA-authorized e-money tokens, with on-chain settlement and optional self-custody. USDT is available as a secondary rail through the VASP leg, outside the MiCA EMT scope.
- · USDC and EURC, MiCA-authorized
- · USDT supported via VASP leg
- · On-chain settlement 24/7
- · Managed, shared, or self-custody
- · Hardware wallet connection
Both economies, run from one account.
Obliqo moves value between the fiat and stablecoin sides of the same balance in seconds.
Solutions for commodity trading, mining, and metals.
Obliqo provides rails and custody shaped to the cash flow and settlement patterns of these industries.
Commodity trading
Hybrid settlementTraders settle the fiat and stablecoin legs of the same trade, pick the rail per counterparty, and hedge FX exposure in stablecoins.
- Hybrid fiat and stablecoin settlement
- Counterparty payouts on local rails
- FX exposure hedged via USDC or USDT
Mining operations
Payroll and revenueOperators pay crews and suppliers in local fiat and settle revenue in stablecoin or metals from one balance.
- Local-currency payroll and supplier rails
- Stablecoin or metal-denominated revenue
- Treasury reporting across both economies
Gold and silver storage
Native, allocatedObliqo stores allocated physical gold and silver in the account holder's name, with insurance, audits, and in-app conversion to fiat or stablecoin.
- LBMA-grade allocated bullion
- Insured, audited, segregated vaults
- Convert metal to stablecoin and fiat in-app
The full stack of modern money.
Custody, conversion, settlement, and acceptance, in one account.
Hybrid custody
Users choose between managed custody, shared custody, and full self-custody for any portion of the balance.
Cold-wallet connection
Users connect a hardware wallet and move funds between cold storage and the spendable balance inside Obliqo.
Fiat and stablecoin conversion
Convert between fiat and MiCA-authorized USDC or EURC inside the same balance, with spending and settlement in either.
Global payment processing
Obliqo connects to the payment rails users and counterparties already use in their countries.
European licence backbone
Obliqo operates through regulated VASP, EMI, and PI entities in Europe.
Instant and next-day settlement
Transfers settle at network speed, with same-day or next-day availability depending on the rail.
Individual rails per leg
Each transaction can use a different fiat rail and a different stablecoin rail, allowing cost optimization at the leg level.
Allocated metal vaults
Obliqo holds LBMA-grade gold and silver in segregated, insured, and audited vaults registered to the account holder.
Payment rails across regions.
Obliqo connects to local payment rails in each market, from SEPA in the European Union to Pix in Brazil.
Availability varies by jurisdiction. Rails marked upcoming are on the roadmap.
Three European licences.
Obliqo operates through licensed entities across Europe, with treaty-backed structuring.
Virtual Asset Service Provider
Crypto custody, exchange, and on and off ramp services under a regulated European framework.
Electronic Money Institution
Electronic money issuance, IBAN accounts, and card issuing under European and Serbian licences, with cross-border reach.
Payment Institution
Payment processing and acquiring rails for inbound and outbound transactions.
Your money is held, not lent.
Under EMI rules, client funds are kept 1:1 at partner credit institutions and segregated from Obliqo's own balance sheet. No fractional reserves, no lending against your account.
Held 1:1, never lent
EMIs are not allowed to lend client money. Every euro on your account is parked, in full, at a partner credit institution.
No bank-run exposure
Traditional banks keep only a fraction of deposits liquid. With Obliqo, the full balance is present at all times and withdrawable on demand.
Ring-fenced in insolvency
Segregated client funds sit outside Obliqo's estate. If the company were to fail, those funds are returned to clients ahead of any other creditor.
EMI safeguarding is structural, not insurance-based. Balances are not covered by deposit-guarantee schemes like FSCS.
Join the waitlist.
Email is enough. The fields below are optional and help us sequence onboarding.
Built by an operating European payments group.
Obliqo is developed by the team behind an audited European payments business that has processed regulated flows under its own licences. The platform extends that infrastructure into the stablecoin era.
Integrated rail options.
Join the waitlist.
Sign up for early access. Obliqo uses the email only for launch sequencing and does not share it.