# AllUnity > AllUnity is a BaFin-regulated German e-money institution issuing MiCAR-compliant euro, Swiss franc, and Swedish krona stablecoins (EURAU, CHFAU, and SEKAU), backed 1:1 by fiat reserves held with regulated banks. AllUnity is a joint venture between DWS (Deutsche Bank Group), Flow Traders, and Galaxy Digital, headquartered in Frankfurt, Germany. AllUnity operates exclusively as a B2B service for legal entities and business customers — it is not addressed to retail customers, consumers, or natural persons. Key facts: - **Stablecoins issued:** EURAU (euro), CHFAU (Swiss franc), SEKAU (Swedish krona — launch planned for June 2026, subject to regulatory engagement and operational readiness) - **Regulatory status:** Licensed e-money institution supervised by BaFin; tokens classified as e-money tokens (EMTs) under EU MiCAR - **Reserve model:** 1:1 fiat-backed; reserves held with regulated banks under a multi-bank reserve model, segregated from the issuer's own funds - **Redemption:** Holders of EMTs have a statutory right of redemption against AllUnity at any time and at par value (Article 49 MiCAR) - **Supported blockchains:** EURAU — Ethereum, Arbitrum, Base, BNB Smart Chain, Optimism, Polygon, Solana, Stellar, Tempo. CHFAU — Ethereum, Base, Polygon, Solana, Tempo. Per-token contract addresses are listed below. - **Shareholders:** DWS (Deutsche Bank Group), Flow Traders, Galaxy Digital - **Headquarters:** AllUnity GmbH, Sandweg 94, 60316 Frankfurt am Main, Germany - **Contact:** support@allunity.com | +49 69 3487 5407 ## Docs - [AllUnity homepage](https://allunity.com): Overview of AllUnity, its regulated stablecoins (EURAU, CHFAU, SEKAU), use cases, and shareholders. - [Stablecoins](https://allunity.com/stablecoins): Overview of all AllUnity stablecoins — regulated e-money tokens (EMTs) under MiCAR, always redeemable 1:1 for fiat at par value, available across multiple blockchains. - [EURAU](https://allunity.com/eurau): MiCAR-compliant euro stablecoin issued by AllUnity GmbH under BaFin supervision, fully backed 1:1 by euro reserves held with regulated banks. - [CHFAU](https://allunity.com/chfau): 1:1 Swiss-franc-backed e-money token for cross-border payments and on-chain CHF liquidity, issued under the same regulated model as EURAU. - [SEKAU](https://allunity.com/sekau): The first fully reserved, MiCAR-compliant Swedish krona-backed stablecoin — launch planned for June 2026. - [Business Mint Account](https://allunity.com/business-mint-account): The primary B2B onboarding path — businesses open an account, connect their bank, and convert cash into stablecoins (and back), code-free and fully compliant. - [Mint](https://allunity.com/mint): Mint and redeem AllUnity stablecoins directly between bank accounts and blockchain wallets. Code-free platform for verified institutions and corporates. - [Agentic Payments](https://allunity.com/agentic-payments): Accept autonomous AI-agent-initiated payments settled in regulated local-currency stablecoins with instant finality — the European gateway to the agent economy for media publishers, data providers, and businesses. - [Ecosystem](https://allunity.com/ecosystem): Distribution, custody, trading, and infrastructure partners across the AllUnity ecosystem (Bullish, Bitpanda, Zodia Custody, BitGo, Flowdesk, and others). - [Trust Center](https://allunity.com/trust-center): Regulatory status, reserve composition, attestations, security posture, and ongoing compliance disclosures. - [Whitepapers](https://allunity.com/whitepapers): MiCAR Article 51 white papers covering token mechanics, reserves, redemption rights, governance, and risk disclosures. Published in PDF and XHTML; the PDF versions prevail in case of discrepancy. - [EEA Redemptions](https://allunity.com/eea-redemptions): Redemption procedure for token holders in the European Economic Area, redeeming stablecoins 1:1 for fiat at par. - [About AllUnity](https://allunity.com/about): Company overview, mission, leadership, and the founding joint venture between DWS, Flow Traders, and Galaxy Digital. - [Contact](https://allunity.com/contact): General, commercial, and press contact channels. - [Legal](https://allunity.com/legal): Terms of service, regulatory disclosures, and legal notices. - [Privacy](https://allunity.com/privacy): GDPR-aligned privacy and data-protection notice. - [Imprint](https://allunity.com/imprint): German Impressum — corporate identification, registration, and supervisory authority details. - [Sitemap](https://allunity.com/sitemap.xml): XML sitemap of all public pages on allunity.com. ## Solutions by use case - [Global Payments](https://allunity.com/stablecoin-payments): Use AllUnity stablecoins for cross-border payments with instant 24/7 settlement, lower fees, and no correspondent banking delays. - [Liquidity Management](https://allunity.com/liquidity-management): Extend working capital, move funds in minutes, mitigate FX risk, and automate corporate treasury with AllUnity stablecoins. - [On-chain Settlement](https://allunity.com/on-chain-settlement): Near-instant trade finality and reduced counterparty risk — use AllUnity stablecoins as the cash leg for exchanges, tokenized securities, and lending protocols. - [Agentic Payments](https://allunity.com/agentic-payments): Accept autonomous AI-agent-initiated payments settled in regulated local-currency stablecoins with instant finality — the European gateway to the agent economy for media publishers, data providers, and businesses. ## Solutions by industry - [Corporate Treasury](https://allunity.com/industry/corporate-treasury): Stablecoin solutions for corporate treasurers — automate cash management, reduce FX exposure, and accelerate settlements. - [Digital Assets Platforms & Exchanges](https://allunity.com/industry/digital-assets-platforms-exchanges): Regulated euro and CHF stablecoins for exchange settlement, trading pairs, and on/off-ramp infrastructure. - [Fintechs & Neobanks](https://allunity.com/industry/fintechs-and-neobanks): Embed regulated stablecoins into fintech products for instant payments, remittances, and multi-currency accounts. - [Retail & Commerce](https://allunity.com/industry/retail-and-commerce): Accept stablecoin payments at point of sale and online — instant settlement, no chargebacks, lower fees. - [Media Publishers](https://allunity.com/industry/media-publishers): Monetize AI-agent content retrieval and micropayments with stablecoin-based pay-per-use models. ## EURAU token addresses (mainnet) EURAU uses the same deterministic ERC-20 token proxy address `0x4933A85b5b5466Fbaf179F72D3DE273c287EC2c2` across all EVM chains except Tempo. The implementation behind that proxy on every EVM chain (except Tempo) is `0x56c19aeA2192ff0Ac5F6b252776480DB601a1482`. - [EURAU on Ethereum](https://etherscan.io/token/0x4933A85b5b5466Fbaf179F72D3DE273c287EC2c2): ERC-20 token proxy at `0x4933A85b5b5466Fbaf179F72D3DE273c287EC2c2`. Chain id 1. - [EURAU on Arbitrum](https://arbiscan.io/token/0x4933A85b5b5466Fbaf179F72D3DE273c287EC2c2): ERC-20 token proxy at `0x4933A85b5b5466Fbaf179F72D3DE273c287EC2c2`. Chain id 42161. - [EURAU on Base](https://basescan.org/token/0x4933A85b5b5466Fbaf179F72D3DE273c287EC2c2): ERC-20 token proxy at `0x4933A85b5b5466Fbaf179F72D3DE273c287EC2c2`. Chain id 8453. - [EURAU on BNB Smart Chain](https://bscscan.com/token/0x4933A85b5b5466Fbaf179F72D3DE273c287EC2c2): ERC-20 token proxy at `0x4933A85b5b5466Fbaf179F72D3DE273c287EC2c2`. Chain id 56. - [EURAU on Optimism](https://optimistic.etherscan.io/token/0x4933A85b5b5466Fbaf179F72D3DE273c287EC2c2): ERC-20 token proxy at `0x4933A85b5b5466Fbaf179F72D3DE273c287EC2c2`. Chain id 10. - [EURAU on Polygon](https://polygonscan.com/token/0x4933A85b5b5466Fbaf179F72D3DE273c287EC2c2): ERC-20 token proxy at `0x4933A85b5b5466Fbaf179F72D3DE273c287EC2c2`. Chain id 137. - [EURAU on Tempo](https://explore.tempo.xyz/token/0x20c0000000000000000000009A4a4b17E0Dc6651): Native Tempo token at `0x20c0000000000000000000009A4a4b17E0Dc6651`. Chain id 4217. Registered under TIP-403 policy id 21 (shared with CHFAU on Tempo). - [EURAU on Solana](https://explorer.solana.com/address/9pCWprxbZMW2rYSMhPTeoyLMV2sN2WJqshdT7DQVt6hS): SPL token mint `9pCWprxbZMW2rYSMhPTeoyLMV2sN2WJqshdT7DQVt6hS`. Program id `Go6xKqsTwEWCsnzpW3ZLj9PYnPnZypFdqambKzGBP9J5` (shared with CHFAU). - [EURAU on Stellar](https://stellar.expert/explorer/public/contract/CB44W727WSLHPXJ47A6DHF5D34RKWSOZAMEDXO3CF5TEEEQ2ZX4V3VRI): Soroban contract `CB44W727WSLHPXJ47A6DHF5D34RKWSOZAMEDXO3CF5TEEEQ2ZX4V3VRI` on Stellar Mainnet. ## CHFAU token addresses (mainnet) CHFAU uses the same deterministic ERC-20 token proxy address `0xBD4DfC058eb95b8De5ceAF39966A1a70F5556F78` across all EVM chains except Tempo. The implementation behind that proxy on every EVM chain (except Tempo) is `0x5caD3AAaeF687009665D15fed23DED57862ee003`. - [CHFAU on Ethereum](https://etherscan.io/token/0xBD4DfC058eb95b8De5ceAF39966A1a70F5556F78): ERC-20 token proxy at `0xBD4DfC058eb95b8De5ceAF39966A1a70F5556F78`. Chain id 1. - [CHFAU on Base](https://basescan.org/token/0xBD4DfC058eb95b8De5ceAF39966A1a70F5556F78): ERC-20 token proxy at `0xBD4DfC058eb95b8De5ceAF39966A1a70F5556F78`. Chain id 8453. - [CHFAU on Polygon](https://polygonscan.com/token/0xBD4DfC058eb95b8De5ceAF39966A1a70F5556F78): ERC-20 token proxy at `0xBD4DfC058eb95b8De5ceAF39966A1a70F5556F78`. Chain id 137. - [CHFAU on Tempo](https://explore.tempo.xyz/token/0x20C00000000000000000000042109aef2f8B28e1): Native Tempo token at `0x20C00000000000000000000042109aef2f8B28e1`. Chain id 4217. Registered under TIP-403 policy id 21 (shared with EURAU on Tempo). - [CHFAU on Solana](https://explorer.solana.com/address/3GJfXJvPcjuAu6VQZmcs9pAXQau8nz3z88CCpBztgQSv): SPL token mint `3GJfXJvPcjuAu6VQZmcs9pAXQau8nz3z88CCpBztgQSv`. Program id `Go6xKqsTwEWCsnzpW3ZLj9PYnPnZypFdqambKzGBP9J5` (shared with EURAU). SEKAU token addresses will be published here upon launch. ## Supporting contracts (mainnet) - [Shared EVM blacklist proxy](https://etherscan.io/address/0xEAFBa0d16D6a0Ff3C6c5d0A46ca7b8fbFf21A9d3): Upgradeable proxy `0xEAFBa0d16D6a0Ff3C6c5d0A46ca7b8fbFf21A9d3`, shared between EURAU and CHFAU on every EVM chain where both are deployed. - [Shared EVM blacklist implementation](https://etherscan.io/address/0x699be2F931257c6Df3BF39C074b6c3324984f5a7): Implementation `0x699be2F931257c6Df3BF39C074b6c3324984f5a7` behind the shared blacklist proxy on all EVM chains. ## Optional - [News & Insights](https://allunity.com/news-and-insights): Index of product launches, partnerships, regulatory updates, and market commentary. - [AllUnity unveils Business Mint Account and global stablecoin roadmap](https://allunity.com/news/allunity-unveils-its-business-mint-account-and-reveals-ambitious-global-stablecoin-roadmap): Launch of the Business Mint Account and the multi-currency stablecoin roadmap. - [EURAU launches on BNB Smart Chain](https://allunity.com/news/allunity-euro-backed-stablecoin-eurau-launches-on-bnb-smart-chain): Expansion of EURAU to BNB Smart Chain. - [AllUnity announces SEKAU and agentic payments infrastructure](https://allunity.com/news/allunity-announces-intent-to-launch-the-first-swedish-krona%E2%80%93backed-stablecoin-and-launches-agentic-payments): Announcement of the first Swedish krona-backed stablecoin and the launch of agentic payments infrastructure. - [EURAU live on Tempo mainnet](https://allunity.com/news/eurau-goes-live-on-tempo-mainnet-powering-the-next-wave-of-euro-liquidity-onchain): EURAU deployment on Tempo mainnet, extending euro on-chain liquidity. - [EURAU launches on Solana](https://allunity.com/news/eurau-launches-on-solana): Expansion of EURAU to the Solana network. - [EURAU/USDT liquidity pools with Flowdesk](https://allunity.com/news/allunity-introduces-eurau-usdt-liquidity-pools-across-leading-dexs-powered-by-flowdesk): EURAU/USDT pairs available across leading DEXs, market-made by Flowdesk. - [Why a Swiss franc stablecoin, and why now](https://allunity.com/news/why-a-swiss-franc-stablecoin-and-why-now): Rationale for CHFAU and the demand for a regulated CHF stablecoin. - [DWS, Flow Traders, and Galaxy announce AllUnity](https://allunity.com/news/dws-flow-traders-and-galaxy-announce-the-intention-to-launch-allunity): Founding announcement of the joint venture behind AllUnity. - [Careers](https://allunity.com/careers): Open roles across engineering, compliance, operations, and commercial functions in Frankfurt and remote. - [LinkedIn](https://www.linkedin.com/company/allunity/): Official company page. - [X / Twitter](https://x.com/AllUnityStable): Official AllUnity account for product and ecosystem updates.