A stablecoin business account, with a real IBAN.
Obliqo gives companies a euro IBAN, SEPA Instant, card issuing, and MiCA-authorized USDC and EURC balances in one platform. It is an alternative to a traditional business bank account, built for treasury that moves across fiat and stablecoin rails. IBAN balances are safeguarded 1:1 at partner credit institutions and never lent out.
- Segregated business IBAN in your company name
- Multi-user roles, approvals, and audit trail
- Batch payouts in fiat or stablecoin
- Treasury API for reconciliation
- USDC and EURC under MiCA, USDT via the VASP leg
- Hybrid settlement for commodity and mining workflows
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.
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.
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.
Join the waitlist.
Sign up for early access. Obliqo uses the email only for launch sequencing and does not share it.