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Due Diligence Resources

The resources provided on this page are for informational purposes only. While Membrane Finance Oy endeavours for accuracy, the timeliness or completeness of these materials cannot be guaranteed. The materials do not necessarily reflect current regulatory requirements or company developments. Provided on an "as is" and "as available" basis, these resources come without any warranties. Users should consult their own advisors to ensure accuracy and relevance to their specific circumstances. Any reliance on the information is at the user's own risk. Please note that due to regulatory changes and other factors, these materials may become outdated over time. Membrane Finance has no obligation to update these resources, except as required by law.

Customer Assets

Reserve Reports

Up-to-date information on the reserves of EUROe

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Redemptions

Information on EUROe holders' right of redemption

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Legal Framework Regarding the Effects of Bankruptcy in Membrane Finance's Business Operations

General information regarding the effects on bankruptcy. Updated 11 Oct 2023.

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Legal Framework on the Safety of Customer Funds

Legal Framework discussing the safety of customer funds. Updated 11 Oct 2023.

Download file (239 KB)

General Information on Customer Assets

General information customer assets, regulatory reserve requirements, and related issues. Updated 10 May 2023.

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Legal

Overview of Tax and Accounting Regulation Governing EUROe and Its Use in Financial Transactions

Information about the tax and accounting regulation related to the use and holding of EUROe in the EU and certain major EU economies (Belgium, France, Germany, Italy, and the Netherlands). Updated 11 Sep 2023.

Download file (285 KB)

National Differences in Legal Aspects of Holding and Using EUROe

Information about the legal aspects of holding and using EUROe in the EU and certain major EU economies (Belgium, France, Germany, Italy, and the Netherlands). Updated 11 Sep 2023.

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Licencing

Information about the licencing of Membrane Finance Oy and EUROe

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EUROe MiCA Compliance Legal Analysis

This legal analysis/opinion evaluates Membrane’s and EUROe’s current compliance with MiCA, and future obligations. Updated 7 Jun 2024.

Please contact us to access this file

Security

General Information on Security Considerations

An overview of the most critical components of EUROe security. Updated 26 May 2023.

Download file (124 KB)

EUROe Account Software Security Audit Report

Third-party security audit report on the EUROe Account software implementation. Available to partners upon request.

Please contact us to access this file

EUROe Account Infrastructure Security Audit Report

Third-party security audit report on the EUROe Account infrastructure implementation. Available to partners upon request.

Please contact us to access this file

Miscellaneous

Self-Assessment of EUROe Against the SMIDGE Framework

This document provides a self-assessment of EUROe against the SMIDGE framework version dated 10/10/2022. Last updated 25.07.2023.

Download file (376 KB)

List of EUROe APIs

List of APIs provided by Membrane Finance for the users of EUROe.

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EUROe Developer Documentation

Technical documentation on EUROe stablecoin, its security, and other related topics.

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Contract Addresses

Information on the blockchain addresses to which EUROe has been deployed

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Looking for more information?

We are happy to provide any information to ensure you can utilise EUROe to its fullest.

Contact us

EUROe is a modern European stablecoin
- a digital version of euros.

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EUROe is an electronic money token (EMT) issued by Membrane Finance Oy in the EU. EUROe is always redeemable for 1 Euro by eligible parties. For more information regarding redemptions, visit redeem.membrane.fi

No investment advice. The information provided on this website does not constitute investment advice, financial advice, trading advice, or any other sort of advice as defined in the Finnish Act on Investment Services (2012/747) or the European Markets in Financial Instruments Directive 2 (2014/65/EU) and you should not treat any of the website contents as such. The information on this website is general in nature and is not specific to you or any other user. You should not make any decision, financial, investment, trading or otherwise, based on the information presented on this website. Membrane Finance does not recommend that any virtual asset should be bought, sold or held by you. We strongly encourage you to conduct independent due diligence and consult your financial and/or legal advisor before making any investment decisions.

Accuracy of information. Membrane Finance will strive to ensure the accuracy of the information listed on this website, although it will not hold any responsibility for any missing or wrong information. Membrane Finance provides all information as is. You understand that you are using all information available here at your own risk and without any express or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any particular purpose.

Our complete legal disclaimers can be found on the legal pages.

EUROe is a registered EU trademark (trademark No. 018784320) owned by Membrane Finance Oy, a Finnish limited liability company (trade register No. 3236886-2) approved by the Finnish Financial Supervisory Authority as an Electronic Money Institution in the EU. For more information on licencing click here.

This marketing website is published by Membrane Finance Oy. Crypto-asset white papers are on Membrane’s website. All holders of e-money tokens issued by Membrane have the right of redemption at any time, at par value of the token. Issuer contact information: web: membrane(dot)fi | email: info(at)membrane(dot)fi | tel: +358 10 348 7210

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