# E Money Network > The world's first BankFi network E Money Network is a modular layer-1 blockchain built for compliant real-world asset tokenization. It combines on-chain identity, compliance, and custody modules to bridge traditional finance and decentralized finance. E Money Network is a modular layer-1 blockchain network that focuses on compliant tokenization of real-world assets. It is designed as a public permissioned chain, embedding identity verification, transaction monitoring, and ownership transparency directly into its protocol layer so that only verified accounts and smart contracts can transact. The network targets institutions and developers seeking to bring regulated financial activity onchain, including asset issuers, wallet providers, and payment applications. The network addresses the gap between traditional finance and decentralized finance by requiring identity and business verification before network participation, combined with onchain transaction monitoring and custody modules that support fiat linked accounts. It runs on a proof-of-stake consensus with an execution environment compatible with widely used smart contract tooling, and it operates as a regulated chain within a European digital asset framework. This compliance layer is built into the base protocol rather than added at the application level. Its ecosystem includes a self-custody wallet with fiat linked accounts and card spending features, alongside infrastructure for issuing and managing tokenized assets such as real estate, bonds, and commodities. Additional integrations extend its compliance and identity modules to other blockchain ecosystems, widening the reach of its verification and custody tools. The network is used by developers building regulated financial applications and by institutions seeking compliant infrastructure for asset tokenization and cross-chain compliant payments. - Type: Network - Sector: Blockchain Platforms - Status: Active - Founded: 2020-09-01 - Profile: https://thegrid.id/profiles/e_money_network ## Products - [E Money Wallet](https://thegrid.id/profiles/e_money_network): E Money Wallet is a multi-chain, non-custodial crypto wallet that integrates on-chain KYC and IBAN-linked accounts. It lets users hold, send, and receive digital assets across multiple blockchains, convert between fiat-backed e-money tokens and crypto, and connect to decentralized applications. The wallet requires identity verification for compliance and is aimed at individuals seeking a single interface for managing both fiat and crypto holdings. It is available as a browser extension and mobile application. (Wallet, Open Beta, Main Product) - [E Money Card](https://thegrid.id/profiles/e_money_network): E Money Card is a payment card that lets users spend crypto assets at merchants accepting standard card networks. It converts cryptocurrency balances at the point of sale, enabling purchases without manually selling holdings first. Cardholders earn crypto-denominated rewards on transactions and can add the card to mobile tap-to-pay wallets. Ordering the card requires identity verification and is completed through the wallet application. (Card, Open Beta) ## Assets - [E Money Coin (EMYC)](https://thegrid.id/profiles/e_money_network): EMYC is the native token of E Money Network, a MiCA-compliant Layer 1 blockchain. It is used to pay transaction fees, reward validators, and for staking participation within the network. The network integrates identity verification and compliance controls directly into its infrastructure, enabling institutions to tokenize real-world assets while meeting regulatory requirements across multiple jurisdictions. (Utility) ## Links - [Main](https://emoney.io) - [Documentation](https://docs.emoney.network) - [Whitepaper](https://whitepaper.emoney.network) - [Blog](https://blog.emoney.io) - [Media Kit/branding](https://docs.emoney.network/branding-and-logos) - [Terms of Service](https://d1xu4qyf3hmdd.cloudfront.net/Terms+and+Conditions+V2-2024.pdf) - [Privacy policy](https://d1xu4qyf3hmdd.cloudfront.net/Privacy+Policy+V2-2024.pdf) - [Twitter / X](https://x.com/emoney_network) - [Discord](https://discord.gg/emoneynetwork) - [Telegram](https://t.me/emoney_announcements) - [LinkedIn](https://linkedin.com/company/emoneynetwork) - [Instagram](https://www.instagram.com/emoneynetwork) - [Twitter / X](https://twitter.com/emoney_network) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. 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