Easy
Euro Coin (EURC): the benchmark euro stablecoin in 2025
Euro Coin , now known as EURC , is poised to become the leading euro stablecoin cryptocurrency by 2025. EURC is issued by Circle , the same company behind USDC USDC and addresses the growing demand for euro- denominated stablecoins stablecoin increased regulation and institutional adoption. This guide explains in detail what EURC , how it works, its reliability, current adoption rate, and where to buy this stablecoin .
Table of contents
What is the Euro Coin (EURC)?
EURC is a stablecoin fully backed by the euro and designed for stability. Every EURC token in circulation is 100% backed by euros held in bank accounts with regulated financial within the European Economic Area. EURC is issued by Circle using a transparent model, compliant with the Regulation MiCA ), the new European standard for stablecoins stablecoin 2024.
- Euro-backed Stablecoin : each EURC can be exchanged at any time for one euro .
- Issued by Circle : a recognized company, also the issuer of USDC .
- Designed for stability : collateralized solely by euros held bank accounts .
- MiCA regulation : adherence to European requirements regarding transparency and reserves.
Who issues EURC and how does it work?
EURC is issued by Circle , an American company founded in 2013 specializing in digital asset services . Circle built its reputation with USDC USDC 's largest stablecoin , and applies the same principles of transparency and security to EURC . EURC is issued via a minting process: for each EURC created, one euro is deposited into a segregated account—that is, a bank account separate from Circle's equity—held with European banks. These reserves are verified monthly by independent auditors.
- EURC is an ERC-20 token Ethereum , but it also exists on Solana and Stellar , Avalanche and other blockchains .
- The euro reserves bank accounts , without exposure to the US dollar or other currencies.
- Circle publishes monthly reports on the composition and value of reserves .
How does EURC guarantee stability and security?
EURC is designed for stability : it is always backed by euros held bank accounts , eliminating the exchange rate and market volatility risks associated with other cryptocurrencies . The reserves contain no risky assets: no debt securities, no crypto, only euro .
- Transactions processed instantly on the blockchain .
- Users can exchange EURC for euros at any time via their Circle account (for professionals) or via partner platforms.
- Compliance with the MiCA regulation ensures the monitoring of reserves and the protection of users.
Reliability and regulatory compliance: EURC under MiCA
Since July 2024, the MiCA regulation has imposed strict rules on stablecoinin Europe: issuers must guarantee 100% reserves, conduct regular audits, ensure transparency in their accounts, and obtain an electronic money issuer license. This license means that the issuer is authorized by a national authority (such as the ACPR in France) to issue tokens representing electronic money, with enhanced obligations regarding fund protection and regulatory compliance.
EURC is one of the few stablecointo be fully MiCAcompliant, which allows its listing on major platforms and its use by European financial institutions.
The reserves are held by regulated financial institutions, i.e. banks or establishments subject to strict supervision, guaranteeing the security and availability of the funds.
Furthermore, EURC is recognized by the Dubai Financial Services Authority (DFSA), the regulatory body of the Dubai International Financial Centre. This recognition allows EURC to be used legally in this international financial center, granting access to over 6,000 businesses and a wide range of financial services, while also strengthening the stablecoin 's legitimacy in international markets subject to stringent regulations.
Adoption and use cases of the Euro Coin (EURC)
By 2025, EURC dominates the European market for euro- backed stablecoin . Its adoption grew by 46% in one month at the beginning of 2025, with more than 24,000 active addresses and a market capitalization exceeding $255 million.
- EURC is used in decentralized finance ( DeFi ) for foreign exchange, lending and borrowing, and as collateral. Protocols that support EURC include Aave for lending and borrowing, Uniswap and Curve for decentralized exchange, and Angle Protocol and Morpho for stablecoin . These protocols allow users to integrate EURC into liquidity pools, earn yield, or participate in DeFi applications on various compatible blockchains such as Ethereum , Avalanche , and Solana .
- secure and volatility- cross-border payments
- Businesses and users can access digital banking services and new opportunities for financial services through a compliant euro stablecoin
- It allows for the centralization euro cash management for companies operating on multiple blockchains .
EURC on multiple blockchains: Ethereum, Solana, Avalanche, Stellar
EURC exists on several major blockchains Ethereum (ERC-20), Solana , Avalanche , Stellar , and Base. This allows EURC Web3 ecosystems and to access a wide variety of digital banking services DeFi applications . The EURC token is tradable on major crypto and can be stored in any ERC-20 compatible wallet
Where to buy EURC?
For European users to buy EURC, we recommend Bitvavo. Bitvavo allows you to buy EURC via bank transfer, credit card, or direct conversion from other cryptocurrencies
Very competitive fees: maximum 0.25% on the beginner interface, and only up to 0.05% on USDC pairs on the pro platform.
Free deposits in euros via SEPA bank transfer, and only 1% fee for deposits by bank card.
Over 350 cryptocurrencies available, including EURC (Euro Coin)
staking , lending and DCA options to grow your digital assets.
Regulated platform, registered with European financial authorities.
Simplified interface for beginners and pro platform for advanced users.
Enhanced security, with partial insurance on funds in case of problems.
Bitvavo thus offers a transparent, economical and reliable solution for buying, selling and storing EURC securely, whether you are a beginner or an experienced user.
Where to store your EURC?
To securely store Euro Coin (EURC), opt for a hardware wallet like Ledger or Trezor. All Ledger models (Nano X, Nano S Plus, Stax, Flex) use a certified Secure Element chip, protecting your private keys in an isolated enclave, safe from attacks and internet connections. The three latest Ledger models allow mobile management via Bluetooth, and all support EURC with the Ledger Live app.
Trezor also offers secure models (Safe 3, Safe 5) based on an open-source architecture and a certified chip, thus providing transparency and security. The choice between Ledger and Trezor will depend on your preferences: Ledger stands out for its advanced features and interface, Trezor is distinguished by its simplicity and open-source code.
In any case, these two brands are benchmarks for protecting your stablecoin like EURC. Using a hardware wallet ensures complete control over your funds, without relying on an exchange platform. For more technical details, we invite you to read our detailed comparison Ledger models and our comparison between Ledger and Trezor .
To learn how to decentralize your funds, we offer our free guide to learning how to use a decentralized wallet, step by step, with supporting screenshots.
What you will learn:
✔ Master a decentralized portfolio ( DEFI ) - Learn to manage your assets without intermediary and to interact directly with the blockchain.
✔ Perform transactions via a decentralized wallet - a practical guide to exchange cryptos independently.
✔ Explore decentralized finance (DEFI) - Discover advanced concepts such as staking and NFT , and optimize your investment strategies.
📥 Download the guide freely by filling out the form below:
Frequently Asked Questions (FAQ) about the Euro Coin (EURC)
Is EURC reliable?
EURC is considered one of the most reliable euro-denominated stablecoins: it is 100 stablecoin backed by euros held in regulated bank accounts , undergoes regular audits, and complies with MiCA regulations . Attestation reports are published monthly, and transparency is further enhanced by oversight from European authorities and the Dubai Financial Services Authority.
How does the EURC/euro exchange work?
Each EURC token can be exchanged euro at any time via a Circle account or partner platforms. Transactions are processed instantly on the blockchain , and euros held bank accounts are released on demand.
What is the market capitalization of EURC?
In April 2025, EURC surpasses $255 million in market capitalization, with over 226 million tokens issued by Circle on major blockchains .
Is EURC suitable for DeFi?
Yes, EURC is used in decentralized finance ( DeFi ERC-20 compliant Web3 applications . Its use remains significantly lower than that of USDC or USDT .
Is EURC affected by market volatility?
No, EURC is designed for stability : it tracks the value of the euro and is not exposed to the volatility of the cryptocurrency or Bitcoin market . Reserves are held solely in euros in bank accounts , with no exchange rate risk.
Conclusion: EURC, the leading euro stablecoin in 2025
EURC is currently the main solution for accessing a stablecoin Denominated in euros and guaranteed by euros held regulated bank accounts and issued by Circle , it benefits from increasing adoption, multi-chain integration ( Ethereum , Solana , Avalanche , Stellar), and enhanced transparency.
However, EURC remains a centralized solution based on Circle, which holds euro reserves in regulated banks and manages the token. Even with regular audits and enhanced transparency, this implies dependence on a single player and on banking regulations.
To date, there are virtually no stablecoin . The best-known alternatives, such as DAI or FRAX, are pegged to the dollar, not the euro . For the euro, most existing projects remain centralized.
EURS (Stasis Euro) : stablecoin , with regular audits but dependent on a single company .
EURT (Tether Euro) : stablecoin issued by Tether, also centralized .
Some experimental initiatives such as agEUR (Angle Protocol) seek to create stablecoin , but they remain marginal and have not achieved significant adoption or liquidity comparable to centralized stablecoin
Finally, it's important to emphasize that the adoption of stablecoin remains very low compared to the dominance of dollar-backed stablecoin stablecoin (EURC, EURS, EURT, etc.) represent only a few hundred million euros, while stablecoin ( USDT , USDC ) have a combined market capitalization exceeding $150 billion . Trading volumes and liquidity are therefore significantly lower for the euro, even though demand is increasing with the arrival of MiCA and regulated solutions.
Investments in cryptocurrencies are risky. Crypternon could not be held responsible, directly or indirectly, for any damage or loss caused following the use of a property or service put forward in this article. Readers must do their own research before undertaking any action and investing only within the limits of their financial capacities. Past performance does not guarantee future results. This article does not constitute an investment .
Certain links of this article are sponsorship links, which means that if you buy a product or you register via these links, we will collect a commission on the part of the sponsored company. These commissions do not train any additional cost for you as a user and certain sponsorships allow you to access promotions.
AMF recommendations. There is no guaranteed high yield, a product with high performance potential implies a high risk. This risk taking must be in line with your project, your investment horizon and your ability to lose part of this savings. Do not invest if you are not ready to lose all or part of your capital.
All our articles are subject to a rigorous verification of the facts. Each key information is verified manually from reliable and recognized sources. When we cite a source, the link is systematically integrated into the text and highlighted by a different color, in order to guarantee transparency and allow the reader to consult the original documents directly.
To go further, read our pages legal notices , privacy policy and general conditions of use .
Yoann
Training engineer, I quickly became interested in the field of finance. Convinced that decentralized finance has a bright future ahead of it, I participate in its democratization by developing Crypternon.
