Stablecoins pegged to the euro, like EURC and EURe, are rapidly growing, with EURC now surpassing €180M in supply. Beyond speculation, they offer faster payments, lower fees, and higher yields than banks, benefiting individuals, businesses, and merchants. Yet Europe still needs better tax tools, cheap on/off ramps, and broader payment adoption to unlock their full potential.

Stablecoins pegged to the euro, like EURC and EURe, are rapidly growing, with EURC now surpassing €180M in supply. Beyond speculation, they offer faster payments, lower fees, and higher yields than banks, benefiting individuals, businesses, and merchants. Yet Europe still needs better tax tools, cheap on/off ramps, and broader payment adoption to unlock their full potential.

For freelancers in the EU working in web3, getting paid in USDC is easy. Turning that USDC into euros without watching profits evaporate through hidden FX spreads, CEX fees, or slow off-ramps is the real challenge. As explored in the broader stablecoin landscape, Europe still lacks cheap and seamless conversion paths compared to what stablecoins should enable. After years of testing every possible setup, I’ve finally found a flow that delivers consistently better rates, and it’s fully onchain...

For freelancers in the EU working in web3, getting paid in USDC is easy. Turning that USDC into euros without watching profits evaporate through hidden FX spreads, CEX fees, or slow off-ramps is the real challenge. As explored in the broader stablecoin landscape, Europe still lacks cheap and seamless conversion paths compared to what stablecoins should enable. After years of testing every possible setup, I’ve finally found a flow that delivers consistently better rates, and it’s fully onchain...

In Chapter 2 of Living with Stablecoins: A European Perspective I tested EURe by Monerium. Onboarding was smooth, off-ramps are currently fee-free, and there’s even a debit card integration. But EURe still struggles with low liquidity, limited chain support, and adoption challenges. Can it really work as everyday money in Europe, or is it still too early?

In Chapter 2 of Living with Stablecoins: A European Perspective I tested EURe by Monerium. Onboarding was smooth, off-ramps are currently fee-free, and there’s even a debit card integration. But EURe still struggles with low liquidity, limited chain support, and adoption challenges. Can it really work as everyday money in Europe, or is it still too early?