B2B Payments
Multi-currency treasury and payments in SAP, powered by Tereina
AllUnity's stablecoins are available as payment options on the Tereina platform, starting with SAP Cloud ERP via SAP Pay.
The challenge
Your business runs in many currencies. Traditional payment rails often don't.
Stablecoin payments in enterprise software have so far centered on the US dollar. Much of global trade is invoiced in euro and other local currencies.
Intercompany transfers often wait for banking cut-off times.
Foreign currency accounts can tie up capital in advance.
Cross-currency payments can face settlement cycles and slippage.
Reconciliation across systems is often manual.
Two FX routes for AllUnity stablecoins
AllUnity Stablecoin FX
StableFX on Circle Payments Network
AllUnity Stablecoin FX converts fiat into a regulated stablecoin in another currency, with no bank account needed in the target currency and no pre-funded foreign currency accounts.
Stablecoin FX
Two FX routes for AllUnity stablecoins
AllUnity Stablecoin FX
StableFX on Circle Payments Network
AllUnity Stablecoin FX converts fiat into a regulated stablecoin in another currency, with no bank account needed in the target currency and no pre-funded foreign currency accounts.
Stablecoin FX
Two FX routes for AllUnity stablecoins
AllUnity Stablecoin FX
StableFX on Circle Payments Network
AllUnity Stablecoin FX converts fiat into a regulated stablecoin in another currency, with no bank account needed in the target currency and no pre-funded foreign currency accounts.
Stablecoin FX
The AllUnity advantage
AllUnity offers a multicurrency, always-on digital money framework.
EURAU
EURAU is Germany’s first MiCAR-compliant euro stablecoin. It is fully backed 1:1 by euro reserves and issued under a multi-bank reserve model. EURAU is designed to power global euro liquidity.
CHFAU
CHFAU is a 1:1 backed and fully reserved Swiss franc stablecoin: MiCAR-compliant, backed by CHF reserves, and built for instant, secure cross-border payments and on-chain settlement.
SEKAU
SEKAU is the first regulated Swedish krona stablecoin, fully backed by Swedish krona reserves. SEKAU brings blockchain innovation to Sweden’s digital-first economy with a MiCAR-compliant e-money token.
USDAU
USDAU is a MiCAR-compliant US dollar stablecoin offering regulated, programmable access to the dollar. Fully reserved, redeemable at par, and issued by a licensed e-money institution.
Use cases
Stablecoins in practice
B2B payments
Near-instant invoice settlement. No multi-day delays or correspondent fees.
Remittances
Fast, low-cost global disbursements. Currency stability protects recipients against local volatility.
Payroll
Real-time international payroll for distributed teams with programmable recurring payouts.
Commerce
Merchant acceptance for retail purchases, micropayments, and programmable multi-chain transactions.
The AllUnity advantage
AllUnity offers a multicurrency, always-on digital money framework.
EURAU
EURAU is Germany’s first MiCAR-compliant euro stablecoin. It is fully backed 1:1 by euro reserves and issued under a multi-bank reserve model. EURAU is designed to power global euro liquidity.
CHFAU
CHFAU is a 1:1 backed and fully reserved Swiss franc stablecoin: MiCAR-compliant, backed by CHF reserves, and built for instant, secure cross-border payments and on-chain settlement.
SEKAU
SEKAU is the first regulated Swedish krona stablecoin, fully backed by Swedish krona reserves. SEKAU brings blockchain innovation to Sweden’s digital-first economy with a MiCAR-compliant e-money token.
USDAU
USDAU is a MiCAR-compliant US dollar stablecoin offering regulated, programmable access to the dollar. Fully reserved, redeemable at par, and issued by a licensed e-money institution.
Use cases
Stablecoins in practice
B2B payments
Near-instant invoice settlement. No multi-day delays or correspondent fees.
Remittances
Fast, low-cost global disbursements. Currency stability protects recipients against local volatility.
Payroll
Real-time international payroll for distributed teams with programmable recurring payouts.
Commerce
Merchant acceptance for retail purchases, micropayments, and programmable multi-chain transactions.
AllUnity stablecoins
AllUnity stablecoins are classified as e-money tokens (EMTs) under MiCAR and are always redeemable 1:1 for fiat at par value.
EURAU
Supplier payments and collections across the eurozone, and the base currency for European group treasury.
CHFAU
Pay Swiss suppliers and move liquidity to and from Swiss entities without correspondent banking hops.
Use cases
Four use cases for treasury and finance teams
Supplier payments in local currency
Near-instant invoice settlement. Make payments on stablecoin rails, without correspondent banking delays and fees.
Intercompany settlement and liquidity
Move cash between EUR, CHF, SEK and USD entities faster and hold fewer idle balances for pre-funding.
FX at the point of payment
Currency conversion runs inside the payment flow instead of through separately pre-funded foreign currency accounts.
Working capital control
Programmable settlement on a shared ledger lets payer and payee track the same payment status, helping reduce manual reconciliation.
How it works
Live in three steps
Step 1
Open a Business Mint Account
Onboard with AllUnity, then mint and redeem AllUnity stablecoins 1:1, moving between bank money and on-chain money without an intermediary exchange or separate setup.
Step 2
Select AllUnity in SAP Pay
EURAU, CHFAU, SEKAU and USDAU are selectable payment options in SAP Cloud ERP via SAP Pay, next to bank transfers and existing stablecoins.
Step 3
Pay, convert and settle
Release payments directly within your existing SAP payment flows, 24/7. Payer and payee see the same status and data in real time.
Talk to our team
Tell us how you want to use AllUnity stablecoins on the Tereina platform. We follow up on your use case, AllUnity Business Mint Account onboarding and next steps.
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 118 28" xmlns="http://www.w3.org/2000/svg"><path d="M 0 12 C 0 20.837 7.163 28 16 28 C 24.837 28 32 20.837 32 12 L 28.005 12 C 28.005 18.63 22.63 24.005 16 24.005 C 9.37 24.005 3.995 18.63 3.995 12 Z M 27.999 12 C 27.999 5.373 22.626 0 15.999 0 C 9.372 0 3.999 5.373 3.999 12 L 7.993 12 C 7.993 7.578 11.577 3.994 15.999 3.994 C 20.421 3.994 24.005 7.578 24.005 12 Z" fill="rgb(255, 255, 255)" height="28px" id="DYni_kw2c" width="32px"/><path d="M 0 6.164 C 0 10.582 3.582 14.164 8 14.164 C 12.418 14.164 16 10.582 16 6.164 L 12 6.164 C 12 8.373 10.209 10.164 8 10.164 C 5.791 10.164 4 8.373 4 6.164 Z M 11.999 6.164 C 11.999 3.955 10.208 2.164 7.999 2.164 C 5.79 2.164 3.999 3.955 3.999 6.164 Z M 38.686 11.836 L 37.454 15.664 L 34.066 15.664 L 39.5 0 L 43.856 0 L 49.29 15.664 L 45.902 15.664 L 44.692 11.836 Z M 43.482 8.03 C 42.84 6.006 42.246 3.966 41.7 1.914 L 41.656 1.914 C 41.114 3.965 40.527 6.004 39.896 8.03 L 39.566 9.064 L 43.812 9.064 Z M 49.977 15.664 L 49.977 0 L 53.057 0 L 53.057 15.664 Z M 55.177 15.664 L 55.177 0 L 58.257 0 L 58.257 15.664 Z M 73.005 9.68 C 73.005 11.733 72.463 13.303 71.378 14.388 C 70.307 15.473 68.774 16.016 66.779 16.016 C 64.785 16.016 63.245 15.473 62.159 14.388 C 61.089 13.303 60.553 11.733 60.553 9.68 L 60.553 0 L 63.787 0 L 63.787 9.57 C 63.787 10.729 64.044 11.616 64.557 12.232 C 65.071 12.848 65.811 13.156 66.779 13.156 C 67.748 13.156 68.489 12.848 69.001 12.232 C 69.515 11.616 69.771 10.729 69.771 9.57 L 69.771 0 L 73.005 0 Z M 81.493 4.224 C 82.769 4.224 83.773 4.62 84.507 5.412 C 85.24 6.189 85.607 7.319 85.607 8.8 L 85.607 15.664 L 82.527 15.664 L 82.527 9.108 C 82.527 8.287 82.35 7.671 81.999 7.26 C 81.661 6.85 81.185 6.644 80.569 6.644 C 79.909 6.644 79.373 6.908 78.963 7.436 C 78.567 7.949 78.369 8.697 78.369 9.68 L 78.369 15.664 L 75.289 15.664 L 75.289 4.488 L 78.171 4.488 L 78.171 5.896 L 78.214 5.896 C 78.586 5.391 79.068 4.977 79.623 4.686 C 80.196 4.374 80.84 4.215 81.493 4.224 Z M 87.6 15.664 L 87.6 4.488 L 90.68 4.488 L 90.68 15.664 Z M 87.6 2.64 L 87.6 0 L 90.68 0 L 90.68 2.64 Z M 97.816 13.354 C 98.124 13.354 98.388 13.317 98.608 13.244 L 98.608 15.598 C 98.139 15.745 97.596 15.818 96.98 15.818 C 95.689 15.818 94.751 15.539 94.164 14.982 C 93.577 14.41 93.284 13.479 93.284 12.188 L 93.284 6.776 L 91.48 6.776 L 91.48 4.488 L 93.284 4.488 L 93.284 1.584 L 96.364 1.584 L 96.364 4.488 L 98.498 4.488 L 98.498 6.776 L 96.364 6.776 L 96.364 11.638 C 96.364 12.254 96.474 12.694 96.694 12.958 C 96.914 13.222 97.288 13.354 97.816 13.354 Z M 105.848 15.73 C 105.466 16.786 105.041 17.607 104.572 18.194 C 104.117 18.795 103.567 19.221 102.922 19.47 C 102.276 19.734 101.477 19.866 100.524 19.866 C 99.984 19.87 99.445 19.81 98.918 19.69 L 98.918 17.226 C 99.24 17.343 99.636 17.402 100.106 17.402 C 100.722 17.402 101.213 17.233 101.58 16.896 C 101.961 16.573 102.152 16.141 102.152 15.598 C 102.152 15.393 102.115 15.158 102.042 14.894 C 101.983 14.63 101.844 14.19 101.624 13.574 L 98.456 4.488 L 101.756 4.488 L 102.9 8.228 C 103.363 9.776 103.774 11.339 104.132 12.914 L 104.176 12.914 C 104.616 11.11 105.048 9.548 105.474 8.228 L 106.684 4.488 L 109.852 4.488 Z" fill="rgb(255, 255, 255)" height="19.866150245717996px" id="CoCMrA4jT" transform="translate(8 6)" width="109.85200128173828px"/></svg>)
Products
Disclaimer
The content of this website is for marketing purposes only and does not constitute an offer or recommendation to purchase stablecoins (E-money tokens – EMTs). This content has not been reviewed or approved by any competent authority of an EU Member State. AllUnity GmbH bears sole responsibility for its content. This is directed exclusively at legal entities and business customers (B2B only) and is not addressed to natural persons, retail customers or consumers.
Agentic Payments / Facilitator: The AllUnity Facilitator does not hold or take possession of user funds and does not have access to users’ private keys. It cannot independently initiate a transfer or modify the amount, recipient or other parameters of a payment authorization already signed by the user. The Facilitator technically verifies the signed authorization and, following successful verification, submits it unchanged to the relevant smart contract for execution.
The White Papers under Art. 51 MiCAR have been published with all material information, including the EMT holders’ redemption right, information on the risks and the mandatory information on principal adverse impacts on the climate and other environmental-related adverse impacts of the consensus mechanism.
The White Papers are available at: allunity.com/whitepapers.
In the event of any inconsistency or discrepancy between the PDF and XHTML formats in AllUnity White Papers, the PDF versions shall prevail.
Redemption Right: Pursuant to Article 49 MiCAR, the holders of EMTs have a statutory right of redemption against AllUnity at any time and at par value.
To view the full terms and conditions and privacy information, please visit https://allunity.com/terms-and-conditions. In the event of any inconsistencies between English and German contents, the English version shall prevail.
Technical Infrastructure, Scope & Data Handling:
The alluniy.ai microsite utilizes third-party service providers to host and operate its features, including Amazon Web Services (AWS) (Amazon Web Services EMEA SARL
38 Avenue John F. Kennedy, L-1855, Luxembourg) for hosting and storage, GitHub (GitHub, Inc., 88 Colin P Kelly Jr St, San Francisco, CA 94107, USA) for deployment, and OpenAI (OpenAI Inc., 1455 3rd Street, San Francisco, CA 94158, USA) for automated processing. The processing of any personal data in the course of visiting and using the services on this microsite is based on our legitimate interest in accordance with Art. 6 (1) f) GDPR. Our interest lies within providing the website and all relevant functionalities to our users and visitors. However, users should avoid submitting confidential business information or (sensitive) personal data into interactive text features.
Due to the engagement of the aforementioned service providers, a transfer of personal data to those service providers (and outside of the EU/EEA) can occur. We have concluded corresponding contractual agreements (including Data Processing Agreements) with these service providers to secure the data transfers and have implemented additional safeguards to minimize the risks of the third country data transfer, where necessary.
Please note that this microsite operates independently from AllUnity GmbH’s regulated core financial platform and e-money token (EMT) issuance infrastructure. Any personal or operational data collected through this site is processed in accordance with applicable privacy laws (including GDPR) and our Privacy Policy (https://allunity.com/privacy). Users may request information, restriction, portability or deletion of their personal data or interaction history at any time by contacting support@allunity.com. Upon receipt of a verified request, we will purge the data from active systems and direct our subprocessors to do the same, subject to statutory
Contact: support@allunity.com | +49 6934875407
Products
Disclaimer
The content of this website is for marketing purposes only and does not constitute an offer or recommendation to purchase stablecoins (E-money tokens – EMTs). This content has not been reviewed or approved by any competent authority of an EU Member State. AllUnity GmbH bears sole responsibility for its content. This is directed exclusively at legal entities and business customers (B2B only) and is not addressed to natural persons, retail customers or consumers.
Agentic Payments / Facilitator: The AllUnity Facilitator does not hold or take possession of user funds and does not have access to users’ private keys. It cannot independently initiate a transfer or modify the amount, recipient or other parameters of a payment authorization already signed by the user. The Facilitator technically verifies the signed authorization and, following successful verification, submits it unchanged to the relevant smart contract for execution.
The White Papers under Art. 51 MiCAR have been published with all material information, including the EMT holders’ redemption right, information on the risks and the mandatory information on principal adverse impacts on the climate and other environmental-related adverse impacts of the consensus mechanism.
The White Papers are available at: allunity.com/whitepapers.
In the event of any inconsistency or discrepancy between the PDF and XHTML formats in AllUnity White Papers, the PDF versions shall prevail.
Redemption Right: Pursuant to Article 49 MiCAR, the holders of EMTs have a statutory right of redemption against AllUnity at any time and at par value.
To view the full terms and conditions and privacy information, please visit https://allunity.com/terms-and-conditions. In the event of any inconsistencies between English and German contents, the English version shall prevail.
Technical Infrastructure, Scope & Data Handling:
The alluniy.ai microsite utilizes third-party service providers to host and operate its features, including Amazon Web Services (AWS) (Amazon Web Services EMEA SARL
38 Avenue John F. Kennedy, L-1855, Luxembourg) for hosting and storage, GitHub (GitHub, Inc., 88 Colin P Kelly Jr St, San Francisco, CA 94107, USA) for deployment, and OpenAI (OpenAI Inc., 1455 3rd Street, San Francisco, CA 94158, USA) for automated processing. The processing of any personal data in the course of visiting and using the services on this microsite is based on our legitimate interest in accordance with Art. 6 (1) f) GDPR. Our interest lies within providing the website and all relevant functionalities to our users and visitors. However, users should avoid submitting confidential business information or (sensitive) personal data into interactive text features.
Due to the engagement of the aforementioned service providers, a transfer of personal data to those service providers (and outside of the EU/EEA) can occur. We have concluded corresponding contractual agreements (including Data Processing Agreements) with these service providers to secure the data transfers and have implemented additional safeguards to minimize the risks of the third country data transfer, where necessary.
Please note that this microsite operates independently from AllUnity GmbH’s regulated core financial platform and e-money token (EMT) issuance infrastructure. Any personal or operational data collected through this site is processed in accordance with applicable privacy laws (including GDPR) and our Privacy Policy (https://allunity.com/privacy). Users may request information, restriction, portability or deletion of their personal data or interaction history at any time by contacting support@allunity.com. Upon receipt of a verified request, we will purge the data from active systems and direct our subprocessors to do the same, subject to statutory
Contact: support@allunity.com | +49 6934875407
Products
Disclaimer
The content of this website is for marketing purposes only and does not constitute an offer or recommendation to purchase stablecoins (E-money tokens – EMTs). This content has not been reviewed or approved by any competent authority of an EU Member State. AllUnity GmbH bears sole responsibility for its content. This is directed exclusively at legal entities and business customers (B2B only) and is not addressed to natural persons, retail customers or consumers.
Agentic Payments / Facilitator: The AllUnity Facilitator does not hold or take possession of user funds and does not have access to users’ private keys. It cannot independently initiate a transfer or modify the amount, recipient or other parameters of a payment authorization already signed by the user. The Facilitator technically verifies the signed authorization and, following successful verification, submits it unchanged to the relevant smart contract for execution.
The White Papers under Art. 51 MiCAR have been published with all material information, including the EMT holders’ redemption right, information on the risks and the mandatory information on principal adverse impacts on the climate and other environmental-related adverse impacts of the consensus mechanism.
The White Papers are available at: allunity.com/whitepapers.
In the event of any inconsistency or discrepancy between the PDF and XHTML formats in AllUnity White Papers, the PDF versions shall prevail.
Redemption Right: Pursuant to Article 49 MiCAR, the holders of EMTs have a statutory right of redemption against AllUnity at any time and at par value.
To view the full terms and conditions and privacy information, please visit https://allunity.com/terms-and-conditions. In the event of any inconsistencies between English and German contents, the English version shall prevail.
Technical Infrastructure, Scope & Data Handling:
The alluniy.ai microsite utilizes third-party service providers to host and operate its features, including Amazon Web Services (AWS) (Amazon Web Services EMEA SARL
38 Avenue John F. Kennedy, L-1855, Luxembourg) for hosting and storage, GitHub (GitHub, Inc., 88 Colin P Kelly Jr St, San Francisco, CA 94107, USA) for deployment, and OpenAI (OpenAI Inc., 1455 3rd Street, San Francisco, CA 94158, USA) for automated processing. The processing of any personal data in the course of visiting and using the services on this microsite is based on our legitimate interest in accordance with Art. 6 (1) f) GDPR. Our interest lies within providing the website and all relevant functionalities to our users and visitors. However, users should avoid submitting confidential business information or (sensitive) personal data into interactive text features.
Due to the engagement of the aforementioned service providers, a transfer of personal data to those service providers (and outside of the EU/EEA) can occur. We have concluded corresponding contractual agreements (including Data Processing Agreements) with these service providers to secure the data transfers and have implemented additional safeguards to minimize the risks of the third country data transfer, where necessary.
Please note that this microsite operates independently from AllUnity GmbH’s regulated core financial platform and e-money token (EMT) issuance infrastructure. Any personal or operational data collected through this site is processed in accordance with applicable privacy laws (including GDPR) and our Privacy Policy (https://allunity.com/privacy). Users may request information, restriction, portability or deletion of their personal data or interaction history at any time by contacting support@allunity.com. Upon receipt of a verified request, we will purge the data from active systems and direct our subprocessors to do the same, subject to statutory
Contact: support@allunity.com | +49 6934875407
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 118 28" xmlns="http://www.w3.org/2000/svg"><path d="M 0 12 C 0 20.837 7.163 28 16 28 C 24.837 28 32 20.837 32 12 L 28.005 12 C 28.005 18.63 22.63 24.005 16 24.005 C 9.37 24.005 3.995 18.63 3.995 12 Z M 27.999 12 C 27.999 5.373 22.626 0 15.999 0 C 9.372 0 3.999 5.373 3.999 12 L 7.993 12 C 7.993 7.578 11.577 3.994 15.999 3.994 C 20.421 3.994 24.005 7.578 24.005 12 Z" fill="rgb(0, 0, 0)" height="28px" id="ZPdQlvRQi" width="32px"/><path d="M 0 6.164 C 0 10.582 3.582 14.164 8 14.164 C 12.418 14.164 16 10.582 16 6.164 L 12 6.164 C 12 8.373 10.209 10.164 8 10.164 C 5.791 10.164 4 8.373 4 6.164 Z M 11.999 6.164 C 11.999 3.955 10.208 2.164 7.999 2.164 C 5.79 2.164 3.999 3.955 3.999 6.164 Z M 38.686 11.836 L 37.454 15.664 L 34.066 15.664 L 39.5 0 L 43.856 0 L 49.29 15.664 L 45.902 15.664 L 44.692 11.836 Z M 43.482 8.03 C 42.84 6.006 42.246 3.966 41.7 1.914 L 41.656 1.914 C 41.114 3.965 40.527 6.004 39.896 8.03 L 39.566 9.064 L 43.812 9.064 Z M 49.977 15.664 L 49.977 0 L 53.057 0 L 53.057 15.664 Z M 55.177 15.664 L 55.177 0 L 58.257 0 L 58.257 15.664 Z M 73.005 9.68 C 73.005 11.733 72.463 13.303 71.378 14.388 C 70.307 15.473 68.774 16.016 66.779 16.016 C 64.785 16.016 63.245 15.473 62.159 14.388 C 61.089 13.303 60.553 11.733 60.553 9.68 L 60.553 0 L 63.787 0 L 63.787 9.57 C 63.787 10.729 64.044 11.616 64.557 12.232 C 65.071 12.848 65.811 13.156 66.779 13.156 C 67.748 13.156 68.489 12.848 69.001 12.232 C 69.515 11.616 69.771 10.729 69.771 9.57 L 69.771 0 L 73.005 0 Z M 81.493 4.224 C 82.769 4.224 83.773 4.62 84.507 5.412 C 85.24 6.189 85.607 7.319 85.607 8.8 L 85.607 15.664 L 82.527 15.664 L 82.527 9.108 C 82.527 8.287 82.35 7.671 81.999 7.26 C 81.661 6.85 81.185 6.644 80.569 6.644 C 79.909 6.644 79.373 6.908 78.963 7.436 C 78.567 7.949 78.369 8.697 78.369 9.68 L 78.369 15.664 L 75.289 15.664 L 75.289 4.488 L 78.171 4.488 L 78.171 5.896 L 78.214 5.896 C 78.586 5.391 79.068 4.977 79.623 4.686 C 80.196 4.374 80.84 4.215 81.493 4.224 Z M 87.6 15.664 L 87.6 4.488 L 90.68 4.488 L 90.68 15.664 Z M 87.6 2.64 L 87.6 0 L 90.68 0 L 90.68 2.64 Z M 97.816 13.354 C 98.124 13.354 98.388 13.317 98.608 13.244 L 98.608 15.598 C 98.139 15.745 97.596 15.818 96.98 15.818 C 95.689 15.818 94.751 15.539 94.164 14.982 C 93.577 14.41 93.284 13.479 93.284 12.188 L 93.284 6.776 L 91.48 6.776 L 91.48 4.488 L 93.284 4.488 L 93.284 1.584 L 96.364 1.584 L 96.364 4.488 L 98.498 4.488 L 98.498 6.776 L 96.364 6.776 L 96.364 11.638 C 96.364 12.254 96.474 12.694 96.694 12.958 C 96.914 13.222 97.288 13.354 97.816 13.354 Z M 105.848 15.73 C 105.466 16.786 105.041 17.607 104.572 18.194 C 104.117 18.795 103.567 19.221 102.922 19.47 C 102.276 19.734 101.477 19.866 100.524 19.866 C 99.984 19.87 99.445 19.81 98.918 19.69 L 98.918 17.226 C 99.24 17.343 99.636 17.402 100.106 17.402 C 100.722 17.402 101.213 17.233 101.58 16.896 C 101.961 16.573 102.152 16.141 102.152 15.598 C 102.152 15.393 102.115 15.158 102.042 14.894 C 101.983 14.63 101.844 14.19 101.624 13.574 L 98.456 4.488 L 101.756 4.488 L 102.9 8.228 C 103.363 9.776 103.774 11.339 104.132 12.914 L 104.176 12.914 C 104.616 11.11 105.048 9.548 105.474 8.228 L 106.684 4.488 L 109.852 4.488 Z" fill="rgb(0, 0, 0)" height="19.866150245717996px" id="lIndF5IAs" transform="translate(8 6)" width="109.85200128173828px"/></svg>)