Compliance

Compliance is the product.

EURS is built against the strictest framework for digital money in the world. Here is the stack, in plain language.

Layer	Framework	What it means for EURS	Status
Issuance	EMI licence (EMD2)	EuroTrust may issue electronic money; €350K own funds; client funds segregated	Application filed
Token	MiCA Title III (EMT)	White paper, 1:1 reserving, redemption at par, marketing rules, passporting to 27 states	White paper drafted
Reserves	EMD2 safeguarding + MiCA Art. 36	Reserves at EU credit institutions, never lent or staked; monthly independent attestations	Operating
AML/CFT	AMLD6 / Estonian MLTFPA	KYB for all holders minting/redeeming, sanctions screening on every flow, MLRO appointed	Operating
Resilience	DORA	ICT risk framework, incident reporting (24h/72h/30d), tested recovery, exit plans for critical vendors	Framework live
Security	NIS2 (financial entity)	Management accountability, supply-chain security, encryption standards	Covered via DORA
Data	GDPR	EU-only data residency (Frankfurt), DPO, privacy by design	Operating

Reserve policy

Where the money actually is.

100% cash at EU credit institutions. No commercial paper, no crypto collateral, no yield strategies in the reserve.
Segregated by law. Client funds are held apart from EuroTrust's own funds and are bankruptcy-remote.
Multi-bank diversification. Custody across LHV Pank (EE), Banque de Luxembourg (LU) and BNP Paribas (FR).
Attested monthly. Independent attestations by Grant Thornton Baltic, published on the transparency page.

Documents

PDFEURS White Paper (MiCA Title III)Draft — published at authorisation

DOCAML / CFT policy summaryOn request for institutions

DOCTerms of Service & Privacy PolicyEffective at commercial launch

Regulators and auditors: a dedicated supervisory data room is available — request access.