E Money Network
E Money Network is a Poland-based blockchain company building a MiCA-compliant public permissioned blockchain that bridges traditional banking and DeFi. It serves individual crypto users, institutions, and developers with IBAN-linked wallets, RWA tokenization, multi-chain support, and crypto credit cards.
- Company typePrivate
- Founded2024
- HeadquartersLodz, Poland
- Headcount51–100
- GTM typeB2C
- OfferingSoftware
What E Money Network does
E Money Network is a Poland-based (Lodz) blockchain company building what it describes as the "World's First BankFi Network" — a MiCA-compliant public permissioned blockchain intended to bridge traditional banking and decentralized finance. The core platform integrates CeFi and DeFi with on-chain KYC/AML, and its technical stack includes IBAN-linked on-chain wallets, a Secure Biometric Bridge for identity authentication, Zero-Knowledge Proofs for confidential data handling, an on-chain credit score, and multi-chain support spanning Ethereum and Solana. The product portfolio comprises the E Money Network core chain, the E Money Wallet (a Chrome extension distributed via the Chrome Web Store), E Money Cards (global crypto-compatible credit cards), the EPay mobile payment bot, and an RWA Tokenization Platform with a dedicated RWA Launchpad for tokenizing real estate, bonds, and commodities. Regulated financial and compliance infrastructure is delivered through a partnership with Scallop Group.
E Money Network serves three primary customer segments: individual crypto users seeking IBAN-linked fiat and crypto management (the primary segment), institutional investors interested in RWA tokenization and on-chain credit infrastructure, and Web3 developers building dApps on a compliant chain. The company also pursues ecosystem partners (Solana, Crypto.com, Galxe, KuCoin, Base) for distribution and interoperability. GTM motion is product-led and community-led: self-serve wallet downloads, Telegram and X (Twitter) community engagement, blog and documentation content, and a developer-facing ecosystem explorer drive adoption without a traditional sales motion.
The revenue model is transaction-fee-driven across RWA tokenization services, FX conversions and remittance, and crypto credit card services, supplemented by a recurring rewards/referral program. No pricing tiers or fee schedules are publicly disclosed, no revenue figure is reported, and the platform remains at testnet stage with a beta mainnet in preparation. The native EMYC token is listed on the MEXC exchange. The company is privately held and venture-backed, having closed a $3.3M bridge round in June 2024 led by Animoca Brands with participation from Blockchain Founders Fund, GBV Capital, KuCoin, and Banter Capital.
E Money Network firmographics
Firmographics- Name
- E Money Network
- Legal name
- E Money Network
- Website
- https://emoney.io
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- E Money Network is a Poland-based blockchain company building a MiCA-compliant public permissioned blockchain that bridges traditional banking and DeFi. It serves individual crypto users, institutions, and developers with IBAN-linked wallets, RWA tokenization, multi-chain support, and crypto credit cards.
- Ownership category
- akta.pro rank
E Money Network industry classification
Industry- Product category
- Decentralized Finance Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ)
- akta.pro secondary industries
- Tokenized Collateral & On-Chain Credit Infrastructure (Collateral Mgmt, Liquidations) (FSAGAMAK), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE)
Keywords
Where E Money Network is headquartered
LocationHeadquarters
- HQ city
- Lodz
- HQ country
- Poland
- HQ region
- Europe
Markets served
E Money Network business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- RWA Tokenization Services: Revenue from enabling real-world asset tokenization projects and investments through the RWA Launchpad platform, allowing users to tokenize, trade, and manage real estate, bonds, and commodities
- FX Conversions and Remittance: Real-time currency conversion and global payment services with IBAN-linked accounts generating transaction revenue
- Crypto Credit Card Services: Revenue generation from crypto credit card transactions and spending rewards programs
- Rewards Calculator Program: Earn rewards on card spending and referrals through the rewards calculator feature
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
E Money Network product offering
Product offeringCore offering
E Money Network operates a MiCA-compliant public permissioned blockchain that bridges traditional banking and DeFi (BankFi). It sells the E Money Wallet (IBAN-linked, multi-chain), E Money Cards (global crypto credit cards), EPay Bot (mobile payments), and an RWA Tokenization Platform for tokenizing real-world assets such as real estate, bonds, and commodities, with integrated on-chain KYC/AML compliance.
Product overview
E Money Network offers a unified BankFi ecosystem built on the World's First MiCA-compliant public permissioned blockchain. The portfolio centers on the E Money Network core platform, complemented by the E Money Wallet (IBAN-linked, multi-chain) and E Money Cards (global crypto credit cards). Additional modules include the RWA Tokenization Platform and RWA Launchpad for real-world asset tokenization, the EPay Bot for mobile payments, On-Chain Credit Score for decentralized credit assessment, and privacy features (ZK Proofs, Secure Biometric Bridge). The platform integrates CeFi and DeFi with on-chain KYC/AML compliance.
Differentiator
Problem solved
Functional benefit
Products and services
- E Money Network (Core Platform) MiCA-compliant public permissioned blockchain integrating CeFi and DeFi with on-chain KYC/AML for secure, transparent, and compliant transactions. The foundational protocol enabling BankFi.
- E Money Wallet All-in-one financial wallet providing IBAN-linked accounts, multi-chain support (Ethereum, Solana), real-time FX conversions, WalletConnect integration, on-chain compliance, and RWA support for individual crypto users.
- E Money Cards Global crypto-compatible credit cards enabling users to spend their crypto assets securely and conveniently anywhere, anytime.
- EPay Bot Mobile-first payment bot for sending and receiving fiat or crypto instantly with fast, secure transactions.
- RWA Tokenization Platform Platform enabling tokenization and management of real-world assets including real estate, bonds, and commodities within a MiCA-compliant framework, providing liquidity, accessibility, and transparency.
- RWA Launchpad E Money Network feature that securely enables tokenized RWA projects and investments via a dedicated launchpad.
Companies that use E Money Network
Customer profileSegments3 records
Ideal customer profiles3 records
E Money Network technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability2 records
Feature10 records
E Money Network partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core partner and ecosystem partner.
- Scallop Groupcore partnerE Money Network provides services in partnership with Scallop Group, utilizing Scallop's regulated financial and compliance infrastructure for banking and regulatory operations.
- Solanaecosystem partnerE Money Network has integrated Solana blockchain, enabling seamless $SOL and SPL token support within the E Money Wallet for deposit, withdrawal, and management of Solana native assets.
- Crypto.comecosystem partnerEcosystem partner displayed on the E Money Network website, indicating integration or collaborative relationship.
- Galxeecosystem partnerEcosystem partner displayed on the E Money Network website, indicating integration or collaborative relationship.
- Baseecosystem partnerEcosystem partner displayed on the E Money Network website, indicating integration or collaborative relationship with Coinbase's Layer 2 network.
- KuCoinecosystem partnerEcosystem partner displayed on the E Money Network website, in addition to being an investor.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
E Money Network competitors and assessment
Company assessmentDirect peers
- Centrifuge: Centrifuge is a leading RWA tokenization protocol that brings real-world assets like invoices, real estate, and debt on-chain for DeFi use. It is the most direct competitor to E Money's RWA Launchpad and lending/borrowing integrations.
- Ondo Finance: Ondo Finance tokenizes US Treasuries and other yield-bearing RWAs and distributes them via DeFi. Like E Money, it targets regulated, institutional-grade RWA distribution within a compliant framework, making it a close comparable for tokenized-money ambitions.
- Tokeny: Tokeny provides enterprise-grade tokenization infrastructure for security tokens and RWAs under MiCA-style compliance regimes. It overlaps with E Money's RWA tokenization platform and Launchpad from a B2B infrastructure angle.
- Maple Finance: Maple Finance is an institutional credit marketplace that tokenizes lending positions against real-world and crypto-native collateral. Its overlap with E Money's on-chain credit scoring and lending/borrowing use cases makes it a relevant peer.
- RealT: RealT tokenizes US residential real estate into fractional tokens for global investors, directly competing with E Money's real estate RWA tokenization use case within a regulated, compliance-forward framework.
- Plume Network: Plume Network is an EVM-compatible Layer 2 purpose-built for real-world asset tokenization, with built-in compliance tooling. It competes directly for RWA issuers and developers considering E Money as a tokenization chain.
- Polymesh: Polymesh is a permissioned, purpose-built blockchain for regulated security tokens and tokenized securities. It is highly comparable to E Money's positioning as a public permissioned chain built specifically for compliant asset issuance.
Broad incumbents
- MakerDAO (Sky): MakerDAO/Sky is the dominant RWA-backed stablecoin issuer, deploying billions into tokenized US Treasuries and similar assets. It operates broadly in DeFi rather than as a niche RWA chain, making it an incumbent benchmark for RWA scale.
- Circle: Circle issues USDC and is expanding into tokenized money market funds and payment rails. Its regulated stablecoin and tokenized-money positioning overlaps with E Money's IBAN-linked wallet and RWA-tokenized money ambitions at a much larger scale.
Others
- Scallop Group: Scallop is E Money's core compliance and banking infrastructure partner, providing regulated fiat rails. It is an enabling peer rather than direct competitor but is closely tied to E Money's ability to operate.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
E Money Network social profiles
Digital presenceE Money Network compliance and trust
Trust signalCompliance1 record
E Money Network financial estimates
Financial estimateRevenue estimate
Valuation estimate
E Money Network leadership team
Management profileNumber of profiles
Profiles2 records
E Money Network funding detail
Funding detailFunding overview
Funding rounds1 record
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
E Money Network M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about E Money Network
What does E Money Network do?
E Money Network operates a MiCA-compliant public permissioned blockchain that bridges traditional banking and DeFi (BankFi). It sells the E Money Wallet (IBAN-linked, multi-chain), E Money Cards (global crypto credit cards), EPay Bot (mobile payments), and an RWA Tokenization Platform for tokenizing real-world assets such as real estate, bonds, and commodities, with integrated on-chain KYC/AML compliance.
Is E Money Network a public or private company?
E Money Network is a private company. It is classified as venture growth investor backed and is currently operating.
When was E Money Network founded?
E Money Network was founded in 2024. It employs 51 to 100 people.
Where is E Money Network based?
E Money Network is headquartered in Lodz, Poland, in the Europe region.
How does E Money Network make money?
Four revenue lines are on record. RWA Tokenization Services are the primary driver. The others are FX Conversions and Remittance, crypto Credit Card Services and rewards Calculator Program.
Who are E Money Network's main competitors?
Direct peers on record are Centrifuge, Ondo Finance, Tokeny, Maple Finance, RealT, Plume Network and Polymesh. Broad incumbents are MakerDAO (Sky) and Circle. Scallop Group is listed as an others.
Does E Money Network have an API?
No public API is recorded for E Money Network.
What industry is E Money Network in?
E Money Network's product category is Decentralized Finance Platform. Its primary akta.pro industry code is FSAPAIAJ, Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails), with a secondary code of FSAGAMAK, Tokenized Collateral & On-Chain Credit Infrastructure (Collateral Mgmt, Liquidations). Its NAICS code is 52232 and its SIC code is 6199.