Compliant digital money inside controlled ecosystems - powered by NEXUS
NEXUS Closed-Loop Stablecoins deliver blockchain efficiency with full regulatory control - no public DeFi exposure, no anonymous wallets, no compliance uncertainty. Launch fiat-denominated stablecoins that operate exclusively within your platform, network, or enterprise environment.
Closed-loop stablecoins are fiat-backed Electronic Money Tokens (EMTs) restricted to a defined, permissioned ecosystem.
Tokens can only be issued, held, and transferred by whitelisted, KYC-verified participants
Users do not need to interact with cryptocurrencies or public blockchains
Circulation is restricted - no public DeFi, no permissionless wallets
Programmable e-money, running on blockchain rails - without opening the loop.
Closed-loop stablecoins address structural limitations holding back digital payments in regulated environments.
Travel rule regulation, transaction monitoring, AML, CTF, and KYC place growing burdens on payment operations. Closed-loop models centralise compliance at the issuer level.
When transaction costs exceed the payment value itself, pay-per-use services, IoT payments, and micro-settlements become economically impossible with traditional rails.
Purpose-bound money and regional payment systems remain cumbersome, lack transparency, and are susceptible to misuse without proper digital controls.
Complex transactions require costly intermediaries because traditional money lacks programmable logic for conditional execution and automated settlement.
Many organisations need regulated wallet-based payment solutions but cannot afford the necessary licensing and infrastructure to build from scratch.
Traditional e-money solutions do not support new business models that require programmable, instant, and zero-fee money movement within ecosystems.
Tokens circulate between the Issuer, Service Providers, and Customers inside a permissioned network - with independent oversight from Auditors and reserve safeguarding by Banks.
Closed-loop EMTs are purpose-built for governed payment environments.
Full control over holders and transactions
Centralized AML/KYC enforcement by the issuer
Lower transaction costs vs card and correspondent banking
Deterministic finality and high performance
Freeze, recover, reverse, redeem - built into the protocol
Perfect for environments where governance matters more than permissionless access
Closed-loop stablecoins are not just digital cash - they are programmable e-money with built-in logic, restrictions, and automation capabilities.
Issue digital money programmed for specific contexts - with geographic, merchant-specific, or category restrictions enforced at the protocol level.
Enable automated, conditional payments that only execute when predefined conditions are met - replacing costly escrow intermediaries with programmable logic.
Process digital content, IoT services, and micro-settlements profitably with zero-fee transfers - enabling payment models that are uneconomical on traditional rails.
Closed-loop stablecoins blend the familiarity of e-money with the programmability of blockchain - enabling new payment models without requiring users to interact with crypto or manage private keys.
Every closed-loop stablecoin is backed 1:1 by fiat currency, held in segregated accounts with regulated banking partners.
Every token is backed by an equivalent amount of fiat currency in reserve
Reserves held in segregated accounts with regulated banking partners
Token holders can redeem to fiat at par value at any time
Regular audits ensure reserve adequacy and transparency
Safer than many cash accounts - with reserves protected by regulatory requirements and institutional safeguards.
NEXUS supports flexible permissioned deployments tailored to specific regulatory and operational requirements.
Operated by a single regulated issuer with full sovereignty over the network.
Operated by multiple regulated institutions sharing governance and validation responsibilities.
Known validators and whitelisted wallets only - no anonymous access to the network.
All participants are identified and verified
No public smart contract deployment
Direct integration with core banking and treasury systems
Complete auditability and traceability of all operations
Closed-loop stablecoins operate inside a walled garden with strict participant controls.
Participants must be pre-approved before joining the network
Wallets are issued after full KYC verification
Transactions stay within the network boundaries
The issuer maintains complete oversight of all activity
Aligned with EU limited network principles (similar to gift cards or loyalty systems), but with blockchain efficiency and programmability.
In traditional regulated payments, each party often needs to perform KYC on the counterparty. With NEXUS Closed-Loop Stablecoins, this burden is centralised.
All participants are KYC'd by the regulated issuer before gaining access to the ecosystem.
The issuer is an obliged, licensed entity operating under regulatory supervision.
Ecosystem participants can rely on the issuer's compliance framework, reducing duplication.
Closed-loop stablecoins can operate as traditional electronic money under the European E-Money Directive - providing account-based digital money with established regulatory clarity.
When issued on-chain as an Electronic Money Token (EMT), closed-loop stablecoins comply with the Markets in Crypto-Assets Regulation (MiCA) - combining blockchain programmability with regulatory compliance.
Result: Faster onboarding, reduced compliance duplication, and lower operational burden - without compromising regulatory standards.
NEXUS provides a complete infrastructure layer for closed-loop stablecoin operations. Users experience familiar e-money flows - while blockchain handles settlement invisibly.
Issuance, transfers, redemption, and lifecycle management
White-label wallets and apps for end-users
Blockchain protocol layer for EMT issuance and settlement
Funding and redemption via escrow bank integrations
Native controls: mint, burn, freeze, recover, redeem
Users experience familiar e-money flows with blockchain settlement
Closed-loop stablecoins are ideal for environments where all payments remain inside the controlled network.
Issue digital money programmed for specific contexts - with geographic, merchant-specific, or category restrictions enforced at the protocol level. Ideal for subsidies, vouchers, and earmarked funds.
Digitize transit payments and fare management with instant, zero-fee stablecoin transfers. Enable tap-and-go experiences powered by permissioned blockchain settlement.
Power in-game economies, virtual marketplaces, and digital content platforms with programmable tokens that circulate exclusively within your ecosystem.
Replace legacy loyalty points and gift card systems with fiat-backed digital tokens. Enable instant transfers, transparent balances, and programmable reward logic.
Deploy enclosed payment systems for universities, resorts, military bases, or gated communities - where all transactions stay within a defined participant network.
Streamline intra-company and inter-departmental transfers with instant settlement, full auditability, and zero intermediary fees across your organization.
All payments remain inside the controlled network - with full auditability, zero-fee transfers, and programmable settlement.
EURD is a regulated euro-denominated Electronic Money Token issued by Quantoz Payments under an EMI licence. Built on NEXUS infrastructure, EURD demonstrates how closed-loop EMTs can be deployed in production environments with full governance, reconciliation, and compliance.
For institutions seeking a turnkey digital euro, NEXUS supports white-label EURD deployments, allowing partners to:
This approach enables faster time-to-market while preserving issuer control, customer relationships, and regulatory responsibility.
Learn More About EURDNEXUS Closed-Loop Stablecoins are designed for MiCA-aligned issuance, enterprise governance, and institutional deployment. Whether operating as a:
Launching a regulated payment product
Modernizing internal money flows
Extending digital money services
Building a private payment ecosystem
NEXUS lets you deploy compliant digital money - without opening the loop.
Powered by NEXUS.
Deploy your private stablecoin infrastructure today.
From issuance to settlement, NEXUS provides the complete platform for regulated closed-loop digital money.