Common questions about Obliqo.

Yes. As an EMI, Obliqo is required to safeguard client funds 1:1 in segregated accounts at partner credit institutions. Those balances sit outside Obliqo's own balance sheet and are returned to clients ahead of any other creditor in insolvency. Stablecoin and crypto balances held through the VASP leg are segregated on-chain in client-designated wallets, and any portion you choose to self-custody is fully outside the company's reach.

Banks operate on fractional reserves: most deposits are lent out, and only a small share is kept liquid. If every client tried to withdraw on the same day, a bank cannot pay them all at once. That scenario is what people mean by a bank run. EMIs are forbidden from lending client funds, so 100% of your balance is present at the safeguarding institution and withdrawable on demand. The trade-off is that EMI balances are not covered by deposit-guarantee schemes such as FSCS or national equivalents, because the protection is structural through segregation rather than insurance-based.

USDC and EURC are MiCA-authorized e-money tokens, redeemable 1:1 against reserves held with regulated custodians and published in monthly attestations. Allocated gold and silver are stored in LBMA vaults in your name and remain your property, not an entry on Obliqo's balance sheet.

No. Obliqo is a financial technology platform, not a bank. Accounts, cards, custody, and on and off ramp services are provided through licensed EMI, PI, and VASP entities in Europe. For many companies it serves as an alternative to a traditional business bank account.

USDC and EURC are supported as MiCA-authorized e-money tokens inside the regulatory perimeter. USDT is supported as a secondary rail through the VASP leg and sits outside the MiCA EMT scope.

Yes. Business accounts are issued with a segregated IBAN in the company's name, with SEPA Instant for inbound and outbound euro transfers, and Visa and Mastercard issuing.

Yes. Users choose between managed custody, shared custody, and full self-custody for any portion of the balance, and can connect a hardware wallet.

Obliqo holds LBMA-grade physical gold and silver in segregated, insured, and audited vaults, registered in the account holder's name. Metal can be converted to USDC, EURC, or fiat inside the app.

A trade can settle the fiat leg on SEPA, SWIFT, or a local rail, and the stablecoin leg on USDC, EURC, or USDT. Each counterparty can be paid on its preferred rail, with FX hedged in stablecoins and reconciled in one treasury view.

Globally. Obliqo onboards private and business clients worldwide through its European and Serbian licensed entities. The Serbian VASP and e-money licences are not restricted to local residents, so non-European clients can open accounts subject to onboarding checks. The exceptions are sanctioned countries and persons (UN, EU, UK, OFAC), FATF high-risk jurisdictions, and US persons at launch. Service-level availability varies by country: card issuing depends on the BIN sponsor and Visa or Mastercard scheme rules, IBAN issuance and local fiat rails are tied to the licensed entity in each region, and allocated metals delivery follows vault-network coverage. If your country is not on a sanctions or high-risk list, you can join the waitlist.

Yes. Obliqo is not limited to European residents. The Serbian licensed entity is set up to serve international clients, and you can hold balances in EUR, USDC, EURC, USDT, and allocated metals from most countries. Card issuing and local fiat rails in your country may come in later phases. The only hard exclusions are sanctioned and FATF high-risk jurisdictions, sanctioned persons, and US persons at launch.

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