VASP, EMI, PI, and MiCA.
Obliqo operates through licensed European entities. Fiat accounts and card issuing run through the EMI and PI legs. Crypto custody, exchange, and on and off ramps run through the VASP leg. MiCA-authorized USDC and EURC sit inside the regulatory perimeter; USDT is served via the VASP leg and sits outside the MiCA EMT scope.
- EMI: Electronic Money Institution for IBANs and cards
- PI: Payment Institution for processing and acquiring
- VASP: Virtual Asset Service Provider for crypto custody and exchange
- MiCA-aligned product structuring across legs
- Treaty-backed corporate structuring
- Client funds safeguarded 1:1 at partner credit institutions (EMI rule)
- Independent audit and regulator reporting
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.
Sign up for early access. Obliqo uses the email only for launch sequencing and does not share it.