e-Money is a global, fast and frictionless network build to improve and bridge the legacy banking system, while removing major pain points for stablecoin users as our early adopters. Unlike a bank account, the e-Money network is available for everybody, with account setup taking few minutes. Payments are conducted swiftly with low fixed costs and they settle immediately. The e-Money service is available 24 hours a day, seven days a week, with no annoying bank holidays. Due to the efficiency of the e-Money service global payments are now as fast as instant messaging. e-Money is built on distributed ledger technology, offering currency-backed stablecoins for ease of use. This means that on the e-Money network the Euro becomes the eEUR and the DKK becomes the eDKK. Now payments and money transfers can be conducted on the e-Money network. At once, the many issues prevalent in banking today, simply no longer apply. Better yet, the e-Money network knows no borders, so remittances and international money transfer for businesses no longer constitute the headache they once did. e-Money is the next generation currency-backed stablecoin. It uses a dynamic peg that tracks the interest rate of the underlying currency. This allows us to operate sustainably in low or even negative-interest rate environments such as the Eurozone. e-Money stablecoins support major global currencies and are interest bearing, much like a bank account. e-Money has a number of safeguards in place to ensure the probity of the network. e-Money comply with all “know your customer” and “anti-money laundering” obligations necessary by financial regulations. Further to this e-Money will subject itself to quarterly audits conducted by our auditors to ensure Proof of Funds. We are a highly motivated team with a dream of improving the current payment infrastructure. The biggest problem we are trying to solve is to make cross boarder payments with instant finality. It matters! Today you can send a picture in seconds from Denmark to Africa and the same should be the case with money. And it should be at a much lower price than the one we see today. In addition, everyone should have access to safe up money in any currency.