Stablecoin Development for EMIs and Banks

We design, build and launch stablecoins for EMIs, banks and payment companies, and we answer for how they run in production. From reserve rules your regulator can check, through minting no single person can trigger, to a token your users spend inside your ecosystem and redeem for FIAT.

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1:1

Minting capped by the recorded reserve

Multisig

Approval on every mint and burn

In production

KYC wallet for a payment company

5.0

Rating on Clutch

~3 months

To build our issuance platform

How a stablecoin built by Neti moves: FIAT in, recorded in the reserve, approved by several signers, minted within the reserve, held only by verified wallets, and burned before FIAT is paid out

What Is Stablecoin Development?

Stablecoin development is building the system around your own token, not just the token. You set the rules: who may mint, what backs every token, who may hold it and how it turns back into FIAT. The platform enforces them. When a mint would exceed the reserve, it is refused. When your regulator asks who approved it, the audit trail answers.

Not sure you need your own token? Ask an engineer →

We Want to Launch a Stablecoin. What Should We Consider?

A token contract is a few hundred lines of code. What slows a launch down is everyone who has to trust it: your regulator, your banks, your board and your users. Here is what each of your teams will be asked, and what we build so they have the answer.

Your role	Your problem	What we build
CEO/Founder	Your investor wants a launch date, and nobody in-house has shipped a regulated token.	A working token on a platform we have already built, scoped after one review
Compliance/MLRO	The regulator will ask who can create money and who may hold it.	Multisig on every mint and burn, verified holders and a full audit trail
Head of Payments/Treasury	Every token must match money in the bank, every day.	Minting capped by the reserve and daily reconciliation of supply against reserve accounts
Head of Product	The token has to work inside your app and stay there.	Allowlisted wallets, user to merchant payments and redemption in your app flow
CTO	You can't vet blockchain engineers you have never worked with.	A team that has built regulated issuance and contributes to protocol core
Bank digital assets lead	Stablecoin or tokenized deposit, and how does it touch the core?	An option review first, then integration with core banking through APIs

Why EMIs Launch Their Own Stablecoin Now

Your users and merchants will be offered a euro token either way. The question is whether it is yours.

Banks are entering your market

37 European banks from 15 countries, including Bank Pekao and Erste Group, have joined Qivalis. It is applying for an EMI licence in the Netherlands and plans a euro stablecoin in the second half of 2026, subject to approval. Source: Qivalis press release, 20 May 2026

The EU rules are already set

MiCA has applied to e-money tokens since 30 June 2024. The licence, the white paper and the reserve rules are known. What is left is the build. Source: Regulation (EU) 2023/1114 (MiCA)

The US follows

The GENIUS Act is expected to take effect on 18 January 2027 at the latest. From then, issuing a payment stablecoin in the US requires a licence. Source: US Treasury, 2026

Stablecoin Development Services We Deliver

Stablecoin Issuance Platform for EMIs

One back office for your token. Your team mints, burns and pauses supply, sees the reserve next to circulating supply and whitelists every counterparty. No operation runs until the signers you appoint approve it, and every step lands in one history your supervisor can filter and export.

Wallets and Merchant Payments in Your App

Once the token runs, we wire it into your app and payment gateway, so users top up with the methods they already use and pay your merchants. Balances stay in your ledger or in verified wallets, every wallet is screened before funds reach it, and our KYC wallet for a payment company runs in production.

Stablecoins for Banks and Credit Unions

A euro or local-currency stablecoin that your bank issues and holds in its own custody, with keys in your own hardware security modules. Every new token lands first in an omnibus wallet and is screened for sanctions before it reaches a client. Your KYC and on-chain AML checks run in one flow.

How Does a Stablecoin Development Project Work With Neti?

Architecture review

We look at your licence, your ecosystem, your payment flows and your plans for the token. Result: You know whether you need your own token at all, and what your current flows cost you. If the answer is "not a stablecoin" or "not us", we say so.

Stablecoin as a Service, In-House Team or Development Partner: Which Fits You?

You have decided to issue your own token. The next question is who builds and runs it. Here is how the three routes compare on what your regulator and board will ask.

#	Stablecoin as a service	Build it in-house	Build it with Neti
Who runs the infrastructure?	The provider	Your team	You, and we can operate it with you
Who controls minting and keys?	You, within the provider's rules	You	You, through signers you appoint
How it fits your app and gateway	Through the provider's API	However your team builds it	Built into your app and gateway
Team you need	Integration developers	Blockchain, security and compliance engineers	Your product owner and compliance lead
Time to first token	Fast	Months, plus hiring	Weeks for issuance, months with wallets
When requirements change	You wait for the provider's roadmap	Your team rebuilds	Extended on the same architecture
Fits when	A standard token on someone else's platform is enough	You already have engineers who shipped regulated issuance	You need a token built to your regulator's and app's requirements without hiring a blockchain team

Stablecoin Development Company Case Studies

Stablecoin Issuance Platform with Proof of Reserve

A payment company wanted its own stablecoin without the risk of unbacked supply. Neti designed and built the issuance platform: licensed counterparties onboarded with KYC, minting limited to the FIAT held in the reserve account, and multisig approval on every mint and burn. Treasury dashboards and a full issuance history let a supervisor check issued supply against the reserve, with no oracle needed.

Read Case Study

Private stablecoin payments a regulator can still audit

On a public blockchain every payment shows the amount, the recipient and the sender's balance. Neti ran a four-month research project to hide those details from the market while keeping them readable to compliance through a view key. The privacy step ran in about three seconds in a browser, and transfers waited on-chain until the bank payment settled. Tested with real money on a live network.

Read Case Study

Cross-Border Transfers on Banking and Stablecoin Rails

Damisa, a British cross-border payment company, needed banking and stablecoin rails to work as one operation. Neti designed the money flow, mapped who legally holds the funds at every hop, and defined what happens when a leg fails. We built a self-hosted double-entry ledger with daily reconciliation, so every transfer matches the books. The MVP took 4.5 months with a team of six.

Read Case study

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Stablecoin Development Company FAQ

Most companies are fine with an existing, authorised stablecoin. You need your own when issuance must sit under your licence, when the token must stay inside your ecosystem, or when the float and fees should stay with you. Our architecture review answers this before any build.

It pays off when the value the token adds to your business is higher than the cost of running it. That value comes from your own business model, for example more payments kept inside your ecosystem or the payment services you already charge for. Running it costs custody, transaction screening, network fees, reporting and the team that operates it. We build this model on your numbers in the architecture review, and if it does not pay off, we tell you before you spend on a build.

Under MiCA, an e-money token can be offered to the public only by an electronic money institution or a credit institution, which must notify a white paper before the offer. In the US, the GENIUS Act sets its own rules for payment stablecoin issuers. We design the system with your legal team; we do not give legal advice.

Expect questions on how every token is backed 1:1, who approved each mint and which wallet received it. The simplest accepted model is declarative: funds land in a dedicated reserve account, your team uploads the bank evidence, and the platform mints only up to that amount. A live open banking feed is possible but more complex, and every step goes into an audit trail.

Signers you appoint approve every mint, burn and pause, and several of them must agree. Their keys can sit with a custody provider, which we recommend, or in wallets your team controls. Losing one key does not stop issuance or let anyone mint alone; you replace that signer through the same approval process.

Yes to both. Only verified wallets on an allowlist can hold or receive the token, so it cannot drift onto public markets. Every wallet still has to be screened before funds reach it, because a public-chain address can be tainted from outside even when your ecosystem is closed.

Every contract goes through code review and testing before it reaches mainnet. If your regulator or board requires an independent audit, we prepare the code and documentation for the audit firm you choose and fix what it finds. Every mint, burn and approval also lands in an audit trail your auditor can export.

Choose a stablecoin as a service platform when speed matters more than control and you accept the provider's licence and terms. Choose a stablecoin development company when issuance, reserve and data must stay under your licence and on your infrastructure.

It is a realistic target when your licence is in place and the first version covers issuance. A plan of that length has three stages: the architecture review and the money model agreed with your legal team; the issuance platform configured and connected to your systems; testing and a first issuance with limits. Wallets and merchant payments add time. You get a timeline for your scope after the architecture review.

An architect who has built regulated issuance leads it from the first review to production. We design, build, launch and can run the system with you.

You own your deployment and your keys. Ownership of the code built for you is set out in the contract before the build starts. We hand over documentation and train your team, so the system does not depend on us. If you want, we keep operating it with you.

Cost depends on your licence, the number of networks and integrations, and the compliance modules you need. We scope it after the architecture review and give you a price and a timeline for the agreed scope. Extensions such as proof of reserve reporting, transaction screening and custody are scoped separately.

Tell Us What You Need to Build

We work with banks, payment companies and fintechs on payment systems, digital assets and custom software. In a free 30-minute call, an engineer looks at your problem, the risks and the best next step. If we are not the right fit, we will tell you directly.

Stablecoin Development for EMIs and Banks

What Is Stablecoin Development?

We Want to Launch a Stablecoin. What Should We Consider?