Digital Money

Global, fast, frictionless

Buy NGM on KuCoin Buy NGM on AscendEX Whitepaper

Built for Global Payments

Improving the legacy banking system with a single efficient blockchain layer:

  • Fixed low transaction costs
  • Instant settlement and finality
  • Scalable to real-time global payments
  • Open access without gatekeepers

Next Generation Stablecoins

Fully Collateralized

Our tokens are backed by collateral in the form of deposits and government bonds held at commercial banks.

Global Currencies

Starting with major European currencies, e-Money will roll out to the USA, Japan, and then, the world.

Interest Bearing

Similar to savings in a bank account, e-Money tokens are interest bearing. Interest is automatically applied without the need to lock up funds.


To prove our tokens are fully collateralized, e-Money is audited by Ernst & Young, providing quarterly proof of funds.


Our service operates in compliance with Anti-Money Laundering and Counter-Terrorist Financing (AML/CTF) legislation.

Money for Everything

Unlock the potential of Decentralised Finance with e-Money stablecoins:

The Global Citizen

Create an account within minutes and enjoy easy access to financial services worldwide. No borders, no remittance fees.

Local Business

Say goodbye to credit card fees. Say hello to highly liquid immediate settlements.

Corporate Settlement

Immediately settled cross-border payments that scale. Reduce costs, save time and optimize your business today.

Internet of Money

A low cost, efficient value plugin for connected services. The next generation of money, for Web 3.0.

Roadmap and Timeline



Credit Card Payments

In addition to bank transfers, users will be able to use their credit card when exchanging currency-backed stablecoins for fiat.


Cosmos IBC Launches

The long-awaited Cosmos IBC protocol launched enabling the Internet of Money.



First Tokens Minted on Mainnet

The first fully backed EUR, CHF, SEK, NOK and DKK tokens are minted on the e-Money mainnet.


Mainnet Launch

The e-Money mainnet was successfully launched on March 25th, 2020 at 12:00 UTC with more than 30 validators joining within the first few hours.

See the launch announcement.

Become a Partner

Our token model enables partners and stakeholders to profit from stablecoin circulation:

  • Multiple currency-backed stablecoins (eEUR, eCHF, etc.)
  • Each with an annual inflation of 1% on circulating supply
  • Increased supply is used to buy back and burn NGM tokens

The Next Generation of Money