Once live, eUSD by Softseco is engineered to settle the real economy — services, products, subscriptions, bills, and cross-border transfers — at the speed and cost of a chat message, with the amount-level confidentiality of cash.
Pay for products, services, or freelance work — anywhere a wallet address is accepted.
Settle electricity, internet, rent, or any recurring bill via merchants accepting eUSD.
Programmatic recurring payments — SaaS, streaming, memberships — via Token-2022 hooks.
Pay employees, contractors, or creators in dollars without publishing compensation.
Send dollars across the EU and beyond in seconds via licensed on/off-ramp partners, once onboarded.
Receive support privately. The amounts donors give aren't broadcast to the public ledger.
Settlement in seconds on Solana. A confidential transfer takes a few transactions and a few cents in fees — still faster than a card authorization clears, and open at any hour.
1.0000 USD per eUSD, redeemable at par in fiat or in USDC. Reserve-backed at no less than 100%: 40% cash at credit institutions, 60% short-dated US government securities.
Balances and amounts will be encrypted on-chain. Only sender and receiver see the value. The amount of your rent, your dentist bill, or your contractor invoice isn't a public record.
A confidential transfer spans a few transactions, so a few cents at most in Solana network fees, plus a temporary rent deposit that is returned. No protocol fee on the transfer. No middlemen, no FX spread when both parties hold eUSD.
MiCA-aligned from day one. Selective disclosure to regulators through the Auditor Key — used only under lawful basis and logged publicly after 24 hours.
24/7/365. Weekends, holidays, banking-hour cutoffs — none of it applies. Pay or get paid at 3am on a Sunday in December if you need to.
An EU licence covers the EEA directly. Everywhere else the rails come from partners — and the on-chain route never closes.
Once authorized, the licence passports to all 30 EEA states. Mint and redeem run against your own bank account: SEPA and SEPA Instant in euro, wire in dollars, at par and with no protocol fee. Under the EU Instant Payments Regulation, e-money institutions must support instant euro transfers from April 2027, so a redemption lands in seconds at any hour.
An EU licence does not authorize soliciting the public in third countries, so outside the EEA we do not onboard users directly. Licensed partners — exchanges, e-money and payment institutions — hold whitelisted addresses, redeem at par with Softseco, and pay their own customers on local rails: ACH and wire in the US, Faster Payments in the UK, PIX in Brazil, UPI in India, instant transfer schemes across Africa and South-East Asia.
The on- and off-ramp aggregators already built into Solana wallets take cards, Apple Pay and local bank transfers across well over a hundred countries. One integration each, and a retail user never needs a relationship with Softseco at all.
1:1 mint and redeem against USDC, plus Jupiter routing to every liquid dollar on Solana. No bank, no business hours, no borders — the fallback for when local rails are closed.
Redemption at par with Softseco stays open to any holder who completes KYC, wherever they live, subject to sanctions law and to the jurisdictions in which the product may lawfully be offered. The partner layer is a convenience on top of that right, not a substitute for it.
| Property | Bank wire | SEPA Instant | Card | eUSD |
|---|---|---|---|---|
| Settlement time | 1–3 days | 10 seconds | 2–3 days | Seconds |
| Cost per tx | €5–25 | €0–1 | 1.5–3% | A few cents |
| 24/7 availability | No | Yes | Yes | Yes |
| Privacy | Bank-only | Bank-only | Acquirer + bank | Default cryptographic |
| Cross-border | SWIFT, slow | EU only | FX fees | Anywhere a wallet |
| Regulator access | Yes | Yes | Yes | Yes, via Auditor Key |