Whether you're making cross-border payments, exploring DeFi, or just want a digital euro you can trust, euro-pegged stablecoins are becoming essential tools in your crypto wallet.
In this guide, you'll learn what Euro-backed stablecoins are, why they matter under MiCA, and the top Euro stablecoins worth watching this year.
What Are Euro‑Pegged Stablecoins?
Euro-pegged stablecoins are digital assets that track the value of the euro (EUR). Each token is designed to stay as close as possible to €1, giving you a stable and reliable asset to use on the blockchain.
They work just like dollar-pegged stablecoins (like USDT or USDC), but instead of following the U.S. dollar, they’re tied to the euro. This makes them especially useful for users and businesses in Europe who prefer operating in their local currency.
Most euro stablecoins are backed 1:1 by euros held in regulated bank accounts. Some use other methods, like tokenized bonds or reserve baskets, to maintain their peg. The goal is always the same, to keep the price stable while allowing you to move, hold, or trade euros on-chain.
With MiCA (Markets in Crypto-Assets) now in full force across the EU, not all stablecoins are created equal. MiCA-compliant stablecoins must meet strict rules on reserve backing, transparency, and auditing. This gives you more confidence when choosing which euro stablecoin to use, and helps exchanges and wallets know which ones are safe to support.
In short, euro-pegged stablecoins are your bridge between traditional euros and modern crypto tools. And in 2025, they’re finally ready for the spotlight.
What Is the MiCA Regulation, the EU Standard for Trust & Safety?
MiCA (Markets in Crypto‑Assets) set new rules across the EU. It became fully applicable on December 30, 2024. This regulation aims to protect you. It also brings clarity and confidence to the crypto market.
To comply, stablecoins must meet these key rules:
• Full reserves: Every euro‑coin must be backed 1:1 by euros held in regulated bank accounts.
• Authorization: Issuers must be licensed as credit or electronic money institutions. They must publish whitepapers, governance rules, and backup plans.
• Transparency: Issuers must release regular audits, show proof of reserves, and report any issues. You deserve clear and honest information.
As MiCA took effect, many platforms began removing non‑compliant coins. Some crypto exchanges started delisting USDT and other tokens in early 2025. This shift makes MiCA‑compliant stablecoins like EURC, EURR, and EURQ more accessible on European platforms.
Using MiCA-compliant euro stablecoins gives you better access to European wallets and exchanges, along with greater trust in how reserves are managed. It also lowers the risk of delistings or regulatory disruptions. If you live in the EU or use euro-based crypto services, choosing a compliant stablecoin is now a smart and necessary step.
Top 7 Euro Stablecoins to Watch in 2025
Looking to use stablecoins in euros instead of dollars? These seven MiCA-compliant or regulation-ready euro stablecoins lead the way in 2025. Each offers different strengths depending on your needs, whether that’s trading, saving, or accessing DeFi in the EU.
1. Euro Coin (EURC)
EURC (Euro Coin by Circle) is one of the most trusted and widely used euro-backed stablecoins in 2025. Issued by Circle, the same company behind USDC, EURC is fully backed 1:1 by euros held in regulated European financial institutions. It’s MiCA-compliant and operates under a full-reserve model with publicly disclosed monthly attestations. EURC is available across multiple blockchains, including Ethereum, Solana, Avalanche, Base, and Stellar, making it highly accessible for users and developers. You can buy, store, and trade EURC on major platforms like BingX and Uniswap, or use it for FX trading, DeFi borrowing, lending, and cross-border payments.
What sets EURC apart is its strong compliance posture, multi-chain availability, and Circle’s transparent reserve reporting. It’s built for speed and trust, with instant redemption features and APIs that support seamless blockchain swaps. Businesses can integrate EURC into their payment or treasury operations through Circle Mint, while individuals can use it to hold value in euros or make efficient on-chain transfers. While EURC adoption still lags behind USDC and trading pairs may be limited on smaller platforms, it remains the leading euro stablecoin for crypto capital markets, and a smart choice for those seeking euro stability in the Web3 space.
Read more: Circle IPO (2025) Everything You Need to Know About CRCL, Valuation, What It Means for Crypto Market
2. STASIS Euro (EURS)
Stasis Euro (EURS) is one of the oldest and most transparent euro-pegged stablecoins on the market. Issued by STASIS, a European fintech company, EURS is a fiat-backed token designed for both institutional and retail use. It operates under EU jurisdiction and is MiCA-ready, with a strong focus on legal compliance and transparency. EURS runs on multiple chains, including Ethereum, Polygon, Algorand, XRP Ledger, Arbitrum, and Gnosis, and is available on popular platforms like the Stasis app, Uniswap, and Curve. The token is backed 1:1 by euros held in liquid financial instruments, with daily verifications and quarterly audits conducted by BDO Malta.
What sets EURS apart is its long operational history and strong regulatory posture. It offers full support for SEPA and SWIFT payments, making it useful for cross-border settlements and DeFi applications. STASIS emphasizes transparency with four layers of verification and zero exposure to USD-based banking risks. EURS is widely used across over 175 countries and integrated with 30+ DeFi and CeFi platforms. However, it does have a slightly smaller trading volume than EURC, and some features are limited to the STASIS ecosystem. Still, it remains a top choice for users seeking a pure euro stablecoin with solid legal and financial backing.
3. StablR Euro (EURR)
StablR Euro (EURR) is a fiat-backed euro stablecoin issued by StablR, designed from the ground up to meet MiCA compliance standards. Built on Ethereum using an ERC-20 smart contract, EURR combines blockchain speed with institutional-grade safeguards. The stablecoin is fully backed by euro reserves held in regulated EU financial institutions, offering users a transparent and secure on-chain alternative to traditional euros. It’s already listed on platforms like BingX, and is integrated into several DeFi applications, with broader multichain support on the roadmap.
What sets EURR apart is its strong emphasis on regulatory alignment and real-world utility. StablR targets both retail users and businesses, offering fast cross-border payments, low fees, and continuous availability. Transactions are publicly verifiable, immutable, and recorded on-chain, boosting transparency and trust. However, EURR is still in its early growth phase. Its trading volume and market cap remain modest compared to larger players like EURC and EURS, and exchange access can vary by region. If you’re looking for a compliant, euro-pegged stablecoin with a strong focus on security and usability, EURR is worth watching in 2025.
4. Euro Tether (EURT)
Euro Tether (EURT) is a centralized euro-pegged stablecoin issued by Tether, the company behind USDT, one of the most traded digital assets in the world. Like its USD counterpart, EURT is designed to be backed 1:1 by fiat reserves and serves as a tool for seamless digital euro transfers across blockchains. It is currently available on Ethereum and TRON, and supported by major exchanges like BingX. EURT benefits from Tether’s global brand recognition and deep liquidity across many trading platforms, making it easy to access for users and merchants.
However, EURT does come with caveats. It is not yet fully MiCA-compliant, and its net circulation remains relatively low, around $6.2 million as of June 2025. While Tether claims full backing and publishes daily reserve data, its transparency has been a frequent point of criticism. Audits are less regular compared to MiCA-ready competitors like EURC or EURS. Additionally, regulatory uncertainty looms: without formal approval under MiCA, EURT faces delisting risks across the EU. If you rely on euro stablecoins within regulated European markets, consider these factors before choosing EURT.
5. Quantoz Euro (EURQ)
Quantoz Euro (EURQ) is a euro-backed stablecoin issued by Quantoz Payments, a licensed Electronic Money Institution (EMI) regulated by the Dutch central bank (DNB). Designed to comply with MiCA standards, EURQ provides a secure, transparent, and compliant solution for digital euro transactions. It operates on Ethereum and other EVM-compatible chains, and is supported by major platforms like Kraken, offering global accessibility. Backed 1:1 by reserves held in Tier 1 European banks and government bonds, EURQ emphasizes financial safety and institutional-grade reliability. Its primary focus is on enterprise-level use cases, including real-time treasury operations, B2B settlements, and programmable cross-border payments.
What sets EURQ apart is its utility in streamlining global finance for the digital age. It enables 24/7 instant settlements, eliminates delays associated with traditional banking, and reduces costs for global payroll, supply chain payments, and collateral management. With programmable transfers and integration into multiple financial platforms, EURQ helps businesses unlock trapped liquidity and optimize global cash flows. However, while its regulatory clarity and enterprise focus are major strengths, retail visibility in DeFi remains limited compared to larger euro stablecoins like EURC or EURS. Still, for institutional users seeking a stable, trusted euro-denominated asset, EURQ offers a robust and scalable solution.
6. EUR CoinVertible by SG‑Forge (EURCV)
EUR CoinVertible (EURCV) is a euro-pegged stablecoin issued by Societe Generale‑Forge (SG‑Forge), a regulated subsidiary of one of Europe’s largest banks. Designed specifically for institutional-grade financial applications, EURCV offers full MiCA compliance, robust collateralization, and transparency with daily reserve disclosures. Built on Ethereum, the token brings traditional finance standards to public blockchains while maintaining strong legal safeguards, including asset segregation and rigorous collateral eligibility. With its bank-native structure, EURCV is engineered to bridge the gap between the legacy financial system and regulated digital finance.
What makes EURCV unique is its combination of trust, regulation, and on-chain functionality. Backed 1:1 by euro cash deposits and updated daily, it offers secure and auditable value for large-scale financial operations. Recent upgrades removed prior transfer restrictions, enhancing its utility for a broader audience, though it remains primarily focused on institutional use cases. While it's not yet widely available for retail users, platforms like Bitstamp facilitate redemption, and the token is poised for broader adoption as Europe’s MiCA framework matures. For businesses seeking a stable, transparent, and regulation-first euro stablecoin, EURCV is a top-tier option.
7. Monerium EUR emoney (EURE)
Monerium EUR emoney (EURE) is a fully regulated euro-denominated digital asset issued as e-money by Monerium, a licensed Electronic Money Institution (EMI) in the European Economic Area. Unlike traditional stablecoins, EURE is considered legal electronic money, meaning holders have the right to redeem tokens directly into their bank accounts via SEPA transfers. What makes Monerium unique is its seamless integration between the banking system and blockchain networks. Users can send euros to a Monerium-issued IBAN, which automatically tokenizes the funds and transfers them to a connected blockchain wallet, enabling real-time, programmable financial operations.
The EURE token is live on multiple major blockchains, including Ethereum, Gnosis, Polygon, Arbitrum, and Linea, making it widely accessible across Web3 ecosystems. Designed with developers and institutions in mind, Monerium provides APIs and sandbox environments for automating cross-border settlements, payroll, and other money flows without relying on centralized exchanges. With daily auditing, strong regulatory backing, and a focus on enterprise-grade compliance, EURE is ideal for use cases requiring transparent, efficient, and programmable euro payments on-chain. Its positioning as e-money, not just a stablecoin, offers stronger legal protections and a direct bridge to the traditional financial system.
How to Use Euro Stablecoins on BingX: A Step‑by‑Step Guide
Getting started with euro stablecoins on BingX is easy. Follow these simple steps:
1. Choose a MiCA-Compliant Stablecoin on BingX
BingX lists euro-pegged stablecoins that align with the EU’s MiCA regulations. Look for trusted options like EURC, EURR and EURQ, which are fully backed and transparently audited. You can buy, sell, or hold these stablecoins directly from your BingX account.
2. Buy and Redeem EUR Stablecoins with BingX
• Buy: Deposit euros using SEPA transfers, Visa/Mastercard, or other supported payment methods on BingX. Head to the Spot Market and trade EUR for your chosen euro stablecoin (e.g., EURR/USDT).
• Redeem: When you're ready to convert back, sell your stablecoin for fiat or crypto in the Spot Market. You can then withdraw euros directly to your bank account through BingX’s fiat off-ramp partners.
3. Store Your EUR Stablecoin Securely and Manage Funds
You can hold your euro stablecoins directly in your BingX Spot Wallet for quick trading and transfers, or withdraw them to a self-custody wallet like MetaMask if you prefer full control. Just make sure to check network compatibility and store your seed phrase securely. For long-term security, especially with larger balances, consider using a hardware wallet for offline storage.
BingX supports both active trading and passive holding strategies. Choose what fits your goals, and always keep your security top of mind.
How to Choose the Right Euro Stablecoin for You
Choosing the right euro stablecoin depends on how you plan to use it. If you're making payments or remittances, go for coins that offer fast transactions and low fees, such as options like EURC or EURQ. If you're looking to earn passive income, EURS might be a better fit with its DeFi integrations. For active DeFi users, focus on stablecoins that support multiple blockchains and offer access to liquidity pools for smoother trading.
You should also consider the issuer’s reputation and level of transparency. Look for coins backed by licensed banks or regulated firms, and make sure they publish regular audits. Strong reserves and clear reporting help build trust. Finally, check if the stablecoin is MiCA-compliant. This ensures legal support across the EU and avoids issues with exchange availability. Non-compliant tokens may face restrictions or delistings, especially in European markets.
How Safe Are Euro-Pegged Stablecoins?
Euro stablecoins offer convenience and stability, but they’re not without risks. One major concern is regulatory change. With MiCA now in effect, non-compliant tokens like USDT are already being delisted from top European exchanges. Even MiCA-compliant stablecoins could face updates to licensing or reporting rules in the future. If you're using a stablecoin in the EU, it’s important to stay informed and act quickly when policies shift; otherwise, you might lose access to trading or withdrawal features.
Another risk is tied to smart contract vulnerabilities and centralization. Some euro stablecoins are controlled by centralized issuers, who manage the reserves and audits. If there's a security breach, insolvency, or mismanagement, your holdings could be at risk. Even decentralized coins depend on smart contracts, which can be exploited if not properly audited. Also, keep in mind that euro stablecoins still have lower liquidity than popular USD options like USDC or USDT. This means you might encounter slower trades, wider spreads, or less flexibility during periods of market volatility.
Future Outlook for Euro-Powered Stablecoins
Euro stablecoins are gaining serious momentum this year, with more traditional banks entering this space. In Germany, investment firm DWS Group (backed by Deutsche Bank) is working on a regulated euro stablecoin, aimed at institutional clients and compliant with MiCA from day one. Similar projects are underway across the EU, including fully licensed digital assets backed by major financial institutions.
Adoption is also rising fast. In 2025, euro stablecoin payments grew by 25% across e-commerce and crypto platforms. Wallet adoption is up 53% globally, with more users choosing stable digital euros for savings, payments, and cross-border transfers.
Looking ahead, one of the biggest shifts could come from the European Central Bank (ECB). A Central Bank Digital Euro (CBDC) is expected by 2028. If launched, it would offer a fully state-backed digital euro. But unlike private stablecoins, it might come with strict usage rules or limited programmability. That’s why privately issued, MiCA-compliant euro stablecoins remain the more flexible option, for now.
Conclusion
Euro-pegged stablecoins are gaining traction as Europe embraces clearer crypto regulations. With MiCA fully in effect, the shift toward regulated, transparent, and euro-backed digital assets is accelerating. If you’re looking to save, send, or trade euros on-chain, options like EURC, EURS, and EURQ offer a compliant and accessible path forward. These stablecoins are designed to integrate seamlessly with wallets, exchanges, and DeFi platforms, giving you more control over your euro-denominated crypto activity.
That said, stablecoins still carry risks. Regulatory frameworks can evolve, and even MiCA-compliant coins may face future restrictions or technical issues. Centralized reserves, smart contract vulnerabilities, or limited liquidity could affect how easily you access or move your funds. Always use trusted platforms like BingX, monitor updates, and choose well-audited assets. If you’re in the EU or rely on euro-based services, MiCA-compliant stablecoins offer the clearest route to long-term usability and reduced uncertainty.
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FAQs on Euro-Backed Stablecoins
1. What makes a stablecoin MiCA‑compliant?
A MiCA-compliant stablecoin meets strict rules set by the EU. It must be fully backed 1:1 by liquid assets, usually fiat like euros, and issued by a regulated financial entity. The issuer must publish audit reports, follow transparency standards, and get licensed by EU authorities. Coins like EURC, EURS, and EURI are designed to meet these requirements.
2. Can I still use Tether (USDT) in Europe?
You might, but access is shrinking. Some cryptocurrency exchanges have started delisting USDT for European users to follow MiCA rules. You can still hold or trade USDT on some platforms, but support may be limited. If you want reliable access in the EU, it's safer to switch to MiCA-compliant euro or dollar stablecoins.
3. Are euro stablecoins safe?
Yes, if you choose the right ones. MiCA-compliant euro stablecoins are designed to protect you. They’re fully backed, regularly audited, and issued by trusted firms or banks. But always do your research. Even regulated coins carry risks like smart contract bugs or liquidity issues. Stick to top names with strong track records.
4. How do Euro stablecoins differ from a CBDC like the digital euro?
Euro stablecoins are issued by private companies. A CBDC (Central Bank Digital Currency), like the upcoming digital euro, would come directly from the European Central Bank. Stablecoins are more flexible, widely used in DeFi, and available across many blockchains. A CBDC would offer state-backed stability but may limit programmability or privacy.