AllUnity
AllUnity is a Frankfurt-based, BaFin-licensed issuer of MiCAR-compliant euro, Swiss franc, and Swedish krona stablecoins, jointly established by DWS, Flow Traders, and Galaxy Digital to serve banks, fintechs, and corporate treasuries with regulated digital payment infrastructure across 10+ blockchain networks.
- Company typePrivate
- Founded2024
- HeadquartersFrankfurt, Germany
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What AllUnity does
AllUnity is a Frankfurt-based stablecoin issuer founded in 2024 as a joint venture between DWS Group (Deutsche Bank's asset management arm), Flow Traders, and Galaxy Digital. The company operates as a BaFin-licensed E-Money Institution under the EU's MiCAR regulatory framework, issuing fully reserved, 1:1 fiat-backed e-money tokens across three currencies: EURAU (euro, launched July 2025), CHFAU (Swiss franc, launched February 2026), and SEKAU (Swedish krona, launched June 2026). AllUnity's core technology stack includes a multi-bank reserve model (with Banking Circle, Metzler, V-Bank, and Marginalen Bank), Chainlink CCIP for cross-chain interoperability, and deployment across 10+ blockchain networks including Ethereum, Solana, Base, Tempo, Polygon, Arbitrum, Optimism, BNB Smart Chain, and Stellar. The company also offers the Business Mint Account platform, an API-free solution enabling institutional minting and redemption with straight-through processing in under five minutes.
The company's business model is built on enterprise field sales targeting financial institutions, fintechs, corporate treasuries, payment service providers, and digital asset exchanges. AllUnity explicitly markets zero minting, redemption, and onboarding fees as competitive advantages, suggesting that revenue likely derives from interest earned on segregated reserve float, treasury management services, and potential enterprise-level fees negotiated through direct sales. The go-to-market leverages a broad distribution ecosystem including Deutsche Börse/Clearstream for institutional custody, Copper and Fireblocks for wallet infrastructure, SAP/Kyriba/FIS for treasury system integration, and exchanges (Bullish Europe, Bitpanda) plus DEXs (Uniswap, Raydium, Aerodrome) for liquidity access.
The company operates with 11-50 employees and is led by CEO Alexander Hoeptner, along with senior executives covering CFO/CPO, CCO, and CTO/COO functions. Strategic priorities reflected in recent activity include geographic expansion into Switzerland and Sweden, ecosystem buildout through tier-one partnerships, and positioning for programmable commerce via the Agentic Payments feature built on Coinbase's x402 standard for AI-driven automated transactions.
AllUnity firmographics
Firmographics- Name
- AllUnity
- Legal name
- AllUnity GmbH
- Website
- https://allunity.com
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- AllUnity is a Frankfurt-based, BaFin-licensed issuer of MiCAR-compliant euro, Swiss franc, and Swedish krona stablecoins, jointly established by DWS, Flow Traders, and Galaxy Digital to serve banks, fintechs, and corporate treasuries with regulated digital payment infrastructure across 10+ blockchain networks.
- Ownership category
- akta.pro rank
AllUnity industry classification
Industry- Product category
- Stablecoin Issuance and Digital Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Stablecoin Issuers (Fiat-Backed) (FSADADAA)
- akta.pro secondary industries
- Mint/Redeem, Issuance APIs & Treasury Operations Platforms (FSADADAE), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ), Tokenized Bank Deposit & Commercial Bank Money Issuers (FSADADAB)
Keywords
Where AllUnity is headquartered
LocationHeadquarters
- HQ city
- Frankfurt
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
AllUnity business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Stablecoin Transaction/Mint Fees: Revenue generated from minting and redemption of stablecoins. The company explicitly states zero minting, redemption, and onboarding fees, suggesting revenue may come from other mechanisms or the fee structure may have changed.
- Institutional Onboarding Services: Streamlined onboarding program for institutional clients supporting rapid integration and adoption of stablecoin services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Institutional/B2B - Free onboarding with zero minting and redemption fees |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels5 records
AllUnity product offering
Product offeringCore offering
AllUnity is a BaFin-regulated Electronic Money Institution that issues MiCAR-compliant, 1:1 fiat-backed stablecoins (e-money tokens) for institutional and enterprise clients. Its portfolio includes EURAU (euro), CHFAU (Swiss franc), and SEKAU (Swedish krona), each backed by segregated fiat reserves held across multiple European banks. Institutional clients access these stablecoins through the AllUnity Business Mint Account, an API-free platform that enables direct minting, holding, and redemption with straight-through processing in under five minutes, deployed across 10+ blockchain networks.
Product overview
AllUnity is a European stablecoin issuer offering a portfolio of MiCAR-compliant e-money tokens (EMTs) for institutional and enterprise use. The core offering consists of three stablecoins: EURAU (euro), CHFAU (Swiss franc), and SEKAU (Swedish krona), all backed 1:1 by segregated fiat reserves and redeemable at par value. These stablecoins are accessible through the AllUnity Mint Platform and Business Mint Account, which provide API-free mint and redeem functionality with straight-through processing. The platform integrates with multiple blockchain networks (Ethereum, Solana, Base, Tempo, Polygon, Stellar, BNB Smart Chain, Arbitrum, Optimism) and supports institutional use cases including global payments, liquidity management, and on-chain settlement. The company also offers Agentic Payments for AI-driven automated transactions.
Differentiator
Problem solved
Functional benefit
Brands
- EURAU: MiCAR-compliant, fully backed euro stablecoin redeemable 1:1 at par under multi-bank reserves. Designed for global euro liquidity, cross-border payments, and enterprise settlement.
- CHFAU
- SEKAU
- Business Mint Account
Products and services
- EURAU Germany's first MiCAR-compliant euro stablecoin, fully backed 1:1 by euro reserves under a multi-bank reserve model. Designed to power global euro liquidity for cross-border payments, treasury management, and Web3 integrations. Available across 10+ blockchain networks including Arbitrum, Base, BNB Smart Chain, Ethereum, Optimism, Polygon, Solana, and Stellar.
- CHFAU MiCAR-compliant Swiss franc stablecoin, fully backed 1:1 by CHF reserves and built for instant, secure cross-border payments and on-chain settlement. Became the largest CHF stablecoin worldwide with CHF 39 million TVL within four months of launch.
- SEKAU World's first MiCAR-compliant Swedish krona-backed stablecoin, fully backed 1:1 by segregated SEK reserves held by Banking Circle as primary custodian. The first MiCA-authorized stablecoin backed by a non-euro currency and the first regulated digital krona to reach the market. Available across Ethereum, Solana, Base, Tempo, and Polygon with plans to expand throughout 2026.
- Business Mint Account
Quantifiable outcome
- Near-instant settlement vs 2-5 days for traditional correspondent banking
- +2 more outcomes
Companies that use AllUnity
Customer profileSegments5 records
Ideal customer profiles4 records
AllUnity technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration18 records
AI capability2 records
Feature5 records
AllUnity partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered major, core and minor.
- BitpandamajorUpdated platform to support EURAU MiCAR-compliant euro-backed stablecoin, giving European businesses direct access to regulated euro-denominated digital assets through Bitpanda's trading infrastructure.
- Banking CirclecoreLuxembourg-based B2B bank serving as primary reserve custodian for SEKAU Swedish krona stablecoin, holding and managing segregated SEK reserves. Banking partner for cross-border payment infrastructure.
- Marginalen BankmajorSwedish lender supporting the SEKAU rollout, providing banking infrastructure for Swedish krona stablecoin operations and market access within Sweden.
- Trust Anchor GroupmajorDigital asset infrastructure firm supporting the SEKAU rollout, providing technical infrastructure and compliance solutions for the stablecoin launch.
- Deutsche Börse GroupcoreSigned MoU to integrate AllUnity's euro stablecoin (EURAU) into Deutsche Börse's financial market infrastructure, starting with custody through Clearstream subsidiary, aiming to facilitate regulated euro transactions on-chain and enhance European market digitization.
- CoppermajorDigital assets custody firm enabling institutional clients to store, manage, and transact with EURAU on Copper's platform, expanding stablecoin access across Europe and beyond.
- ChainlinkcoreStrategic partnership using Chainlink's Cross-Chain Interoperability Protocol (CCIP) to enable secure, compliant multi-chain euro-backed stablecoin transfers across blockchain networks in Europe.
- FireblocksmajorWallet infrastructure partner enabling institutional custody and management of AllUnity stablecoins for enterprise clients.
- Bullish EuropemajorBaFin-regulated exchange where EURAU debuted with BTC/EURAU and USDC/EURAU trading pairs, with Flow Traders providing initial liquidity.
- UniswapmajorDecentralized exchange on Ethereum hosting EURAU/USDT liquidity pools as part of AllUnity's DeFi expansion strategy.
- RaydiumminorSolana-based DEX hosting EURAU liquidity pools for decentralized trading of euro stablecoins.
- ZebecmajorPartnership to deploy EURAU-powered employee benefits and enterprise payment solutions on Stellar blockchain, enabling programmable payroll and corporate payment use cases.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
AllUnity competitors and assessment
Company assessmentDirect peers
- Circle: Issuer of USDC and EURC (euro stablecoin) — the most directly comparable regulated stablecoin issuer to AllUnity, competing head-to-head for euro institutional volume.
- Société Générale-Forge: Subsidiary of Société Générale issuing EURCV, a regulated euro stablecoin for institutional clients — the closest European bank-issued competitor to EURAU targeting the same institutional use cases.
- Stasis: Issuer of EURS, one of the longest-running euro stablecoins — comparable euro-focused stablecoin issuer competing for the same regulated European market.
- Quantoz: Dutch regulated payments foundation issuing EURQ, a DNB-supervised euro stablecoin — a direct competitor in the regulated European euro stablecoin space.
- Fnality: UK-based consortium (backed by major banks including Santander, UBS, Barclays) developing wholesale settlement coin (FnUSD/Stablecoin) for institutional DvP settlement — comparable institutional-grade regulated digital money play.
Broad incumbents
- Tether: Issuer of USDT and EURT — the dominant stablecoin issuer globally whose EURT competes directly with EURAU for euro liquidity and exchange listings.
- Paxos: US-regulated issuer of multiple stablecoins including PYUSD and USDP — comparable regulated stablecoin issuer with broader product portfolio.
- PayPal: Issuer of PYUSD (PayPal USD), and a potential entrant into regulated euro stablecoins — broad incumbent in payments with its own regulated stablecoin competing for merchant and platform flows.
- Stripe (with Bridge/Tempo): Through its Bridge acquisition and Tempo blockchain initiative, Stripe is building stablecoin-native payment rails — an emerging broad incumbent threatening to commoditize regulated stablecoin issuance at the merchant and platform layer.
Emerging players
- Agantrust / Agantokens: Swiss-based regulated stablecoin issuer — directly comparable to AllUnity's CHFAU in the Swiss franc stablecoin market with overlapping European institutional positioning.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
AllUnity social profiles
Digital presenceAllUnity compliance and trust
Trust signalCompliance5 records
AllUnity financial estimates
Financial estimateRevenue estimate
Valuation estimate
AllUnity leadership team
Management profileNumber of profiles
Profiles4 records
AllUnity funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AllUnity 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 AllUnity
What does AllUnity do?
AllUnity is a BaFin-regulated Electronic Money Institution that issues MiCAR-compliant, 1:1 fiat-backed stablecoins (e-money tokens) for institutional and enterprise clients. Its portfolio includes EURAU (euro), CHFAU (Swiss franc), and SEKAU (Swedish krona), each backed by segregated fiat reserves held across multiple European banks. Institutional clients access these stablecoins through the AllUnity Business Mint Account, an API-free platform that enables direct minting, holding, and redemption with straight-through processing in under five minutes, deployed across 10+ blockchain networks.
Is AllUnity a public or private company?
AllUnity is a private company. It is classified as corporate owned and is currently operating.
When was AllUnity founded?
AllUnity was founded in 2024. It employs 11 to 50 people.
Where is AllUnity based?
AllUnity is headquartered in Frankfurt, Germany, in the Europe region.
How does AllUnity make money?
Two revenue lines are on record. Stablecoin Transaction/Mint Fees are the primary driver. The others are institutional Onboarding Services.
Who are AllUnity's main competitors?
Direct peers on record are Circle, Société Générale-Forge, Stasis, Quantoz and Fnality. Broad incumbents are Tether, Paxos, PayPal and Stripe (with Bridge/Tempo). Agantrust / Agantokens is listed as an emerging player.
Does AllUnity have an API?
No public API is recorded for AllUnity.
What industry is AllUnity in?
AllUnity's product category is Stablecoin Issuance and Digital Payment Infrastructure. Its primary akta.pro industry code is FSADADAA, Stablecoin Issuers (Fiat-Backed), with a secondary code of FSADADAE, Mint/Redeem, Issuance APIs & Treasury Operations Platforms. Its NAICS code is 522320 and its SIC code is 6199.