EUR0P, issued by Salvus SAS, trading as Schuman Financial, is a euro-denominated stablecoin issued as an electronic money token that is pegged 1:1 to the euro and redeemable at par value at any time [S1][S2].

Holders receive electronic money referencing the euro (EUR), where one EUR0P unit always represents one euro and its value cannot be changed [S1][S2]. EUR0P is a stable-value token and is not yield-bearing; the internal Electronic Money Account does not bear interest and no interest accrues by virtue of holding the token [S1][S2]. Each EUR0P is 100% euro-backed plus a 2% reserve fund held at EU banks such as Société Générale, with quarterly KPMG attestations, the latest dated December 30, 2025 [S3][S4].

The issuer is Salvus SAS, a société par actions simplifiée incorporated in France, registered number 920 017 134 at the Registry of Commerce and Companies of Paris, authorised as an electronic money institution by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) with EU/EEA passporting [S5][S6]. EUR0P is a MiCA-compliant e-money token under Title IV of MiCAR [S1][S3]. The holder's claim is electronic money redeemable 1:1, not a deposit [S2]. Issuance and use require KYC or KYB; restricted and sanctioned persons are barred [S5][S7]. All holders hold a redemption right at par under Article 49 MiCAR, with reserve funds segregated at EU banks [S3][S8][S9].

On EVM chains EUR0P is an ERC-20-style token, deployed on EVM chains including Ethereum, Polygon and Avalanche, and integrated on the XRP Ledger [S2][S6][S10]. Qualified business clients mint by depositing euros, with issuance only after funds are confirmed and segregated; the minimum subscription is €10,000 [S1][S8]. Redemption settles by SEPA transfer to the holder's EEA bank account [S7][S9]. Business client fees are set in an individually agreed Order Form [S11].

<Sources
  retrievedAt="2026-06-23"
  items={[
    { id: "S1", url: "https://schuman.io/" },
    { id: "S2", url: "https://schuman.io/legal-center/" },
    { id: "S3", url: "https://schuman.io/blog/what-is-europ-europ-the-euro-stablecoin-designed-for-europe/" },
    { id: "S4", url: "https://schuman.io/wp-content/uploads/2026/01/2025.12.30-Schuman-_-Salvus-Attestation_Letter-Signed-All.pdf" },
    { id: "S5", url: "https://schuman.io/terms-and-conditions/" },
    { id: "S6", url: "https://schuman.io/blog/schuman-financial-is-bringing-european-finance-on-chain/" },
    { id: "S7", url: "https://schuman.io/terms-and-conditions/" },
    { id: "S8", url: "https://schuman.io/wp-content/uploads/EUROP-White-Paper.pdf" },
    { id: "S9", url: "https://schuman.io/redemption-policy/" },
    { id: "S10", url: "https://schuman.io/europ/" },
    { id: "S11", url: "https://schuman.io/legal-notice/" },
  ]}
/>


Unique addresses that sent the asset via agentic payments (x402 protocol) over a rolling 7-day window.

Asset senders (weekly, Agentic)

Stablecoins

The platform operates through smart contract-based protocols that automate financial processes and eliminate intermediaries where possible. Their business model likely centers on protocol fees, transaction processing, and providing infrastructure services to other DeFi applications while maintaining decentralized governance structures.

The project develops decentralized financial products and services leveraging blockchain technology to provide transparent, accessible financial solutions. Schuman Financial aims to bridge traditional finance with decentralized protocols, offering users enhanced control over their financial activities through blockchain-native infrastructure.

Schuman Financial is a blockchain-based financial services platform that appears to focus on decentralized financial infrastructure and solutions.

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Stablecoin issuers

Schuman Financial

EURØP by Schuman Financial (EUR0P) is a euro stablecoin issued by Schuman Financial through Salvus SAS.

Each token is redeemable one-for-one for euros and is a direct claim on the issuer.

Reserves are held in cash and other assets, in segregated accounts within a bankruptcy-remote structure.

They sit with Société Générale, attested quarterly by KPMG.

Institutions can mint and redeem directly with Schuman Financial in EUR after completing KYC, and holders have a contractual right to redeem at par.

Salvus SAS is incorporated in France, is authorised under MiCA, and is supervised by the Autorité de contrôle prudentiel et de résolution (ACPR).

Holder terms are governed by the law of France.

EUR0P has been issued on public blockchains since November 2024 and is native to Ethereum, Polygon, XRP Ledger, Avalanche, Plasma, and Solana.

EURØP by Schuman FinancialEUR0P