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European institutions hold euro-denominated assets, serve euro-denominated customers, and operate in euro-denominated markets. Yet when institutions move euros onchain or use stablecoins for settlement, they are often forced to rely on dollar-denominated infrastructure.

Cross-border euro settlements can take up to three business days via SWIFT. Treasury teams reconcile payments manually and absorb FX spread costs. Traditional banking infrastructure limits euro liquidity management.

Martin Bruncko sat down with CoinDesk Live at Ripple Swell in New York on November 4 to discuss the state of European digital finance. His message was direct: Europe has the infrastructure, the market, and the regulatory clarity to lead the next wave of on-chain finance.

Our co-founder and head of business development, Eduardo Morrison, sat down with Ripple’s Onchain Economy last week to explain what it looks like when Europe stops waiting.

We teamed up with OpenTrade and Ava Labs to focus on the latest development in the world of finance called PayFi. PayFi, or Payments Finance, is a concept that integrates payments with on-chain finance and blockchain to enable the free flow of money, faster settlements, lower fees and interoperability.

We’re proud to announce that we’ve entered into a strategic partnership with Assetera, the regulated trading venue for real-world assets on-chain. From today, institutional and professional investors on Assetera can fund accounts, settle trades, and hold collateral in EURØP when buying or selling tokenized public-market instruments or natively issued security tokens.

Stablecoins are well on their way to rewriting global finance. Yet the European Central Bank (ECB) appears intent on repeating past missteps by resisting this emerging disruption. Rather than fostering European stablecoins, the ECB wants to fight them with an unproven, government-run alternative: the digital euro.

As Europe enters the MiCA era, stablecoins are no longer just a crypto-native experiment. They are becoming the backbone of programmable money and digital infrastructure in the eurozone. At Schuman Financial, we are proud to announce that EURØP, our fully MiCA-compliant, euro stablecoin, is now integrated into Fireblocks, one of the most trusted digital asset platforms in the world.

Schuman Financial today announced a native integration of its MiCA-compliant euro stablecoin EURØP onto the XRP Ledger (XRPL). This marks a major step toward bringing compliant euro-denominated stablecoins into active use on one of the world’s most widely used blockchains.