E Money Network

E Money Network, founded in 2019 by Raj Bagadi, operates as a Layer 1 blockchain platform focused on bridging the gap between traditional finance and decentralized finance (DeFi). Based in Lodz, Poland, the company has secured $8.3 million in funding, with a significant Series A round of $5 million announced in January 2025, co-led by Animoca Brands. The platform is designed to be compliant with the Markets in Crypto-Assets (MiCA) regulation, embedding KYC and AML procedures directly onto the blockchain to ensure regulatory adherence for all transactions.

The core of E Money Network's offering is its public permissioned blockchain that facilitates the tokenization of real-world assets (RWA). This allows for the digital representation of tangible assets, aiming to unlock liquidity and create new investment opportunities. The company's infrastructure supports developers in building decentralized applications (dApps) for RWA, DeFi, and DePIN. The network is built to be interoperable with other blockchains like Ethereum, Solana, and Polygon, enabling seamless asset transfers and aggregating liquidity that is otherwise fragmented across different ecosystems.

For its users, E Money Network provides a suite of financial products. The E Money Wallet is a non-custodial wallet that supports multiple cryptocurrencies and allows users to manage both fiat and crypto assets. It features IBAN-linked accounts for smooth fiat on-and-off ramping and a crypto-compatible credit card with a spending limit of up to $500,000, accepted in over 150 countries. The platform also includes an EPay bot for instant fiat or crypto transfers via messaging apps. Revenue generation is tied to its native utility coin, EMYC, which is used for transaction fees (gas), staking rewards for network security, and as collateral for loans within the ecosystem.

Keywords: Real World Asset tokenization, RWA, Layer 1 blockchain, MiCA compliant, decentralized finance, DeFi, BankFi, public permissioned blockchain, crypto credit card, IBAN on-chain, interoperability, KYC, AML, asset-backed tokens, EMYC, digital assets, financial infrastructure, Raj Bagadi, Animoca Brands, crypto-to-fiat