Wallets and digital assets

Connect euro payments, payment accounts, wallets and digital assets in simple, embedded journeys suited to the applicable regulatory framework.

In brief

Connecting the euro to a wallet or a stablecoin means naming the operator of each step. Tractial does not currently hold a licence or registration of its own for digital-asset services. Limits come before benefits.

Stablecoins and digital assets are progressively becoming infrastructure components for certain financial uses: settlements, transfers, Web3 platforms or new digital journeys. Tractial takes a use-case-driven approach: connecting euro payment services to wallets and digital assets where the use case, the partner and the regulatory framework allow it.

Euro / stablecoin dual rail (boundaries)

  1. EUR payment account

    Operated by Tractial, a payment institution.

    See the page
  2. Controls

    Checks and monitoring within the project scope.

    See the page
  3. Conversion

    Where applicable, a partner holding the required statuses. Not Tractial as a CASP.

  4. Self-custody wallet

    The user keeps control of the device. A specific framework applies if digital assets are involved.

  5. Possible return to euro

    Same logic: named operator, analysed framework, no availability promise.

Teaching the responsibilities. Self-custody: Tractial does not hold keys. Conversion: authorised provider where the framework requires it.

Possible use cases

  • Web3 platforms

    Connecting euro journeys to wallets or digital services.

  • Euro / digital asset conversion (crypto ramp)

    Linking euro payment rails to digital assets within an analysed framework.

  • Hybrid services

    Combining payment accounts, wallets and digital assets in a single journey, without excessive complexity for the user.

Components involved

  • Crypto ramp
  • Wallets
  • Stablecoins
  • Blockchain gateways

Before any benefit

Every project is reviewed. Digital-asset services are not available for every file.

Operator per step

StepWho operatesWhat it is not
Euro / payment accountTractial (payment institution)Not a bank account
ConversionAuthorised partner, if requiredNot a Tractial MiCA / CASP licence
WalletUser (self-custody) or named providerNot key custody by Tractial
StablecoinInfrastructure component, applicable EU frameworkNot a Tractial investment product

Regulatory framework

Digital asset services fall under specific regulatory frameworks and may require dedicated registrations or licences. Tractial does not currently hold a licence or registration specific to digital asset services: the use cases presented are assessed case by case, in compliance with the applicable framework and, where necessary, with partners holding the required statuses.

FAQ

Is a wallet always a crypto wallet?

No. The term wallet can refer to various means of tracking or managing digital value. Where digital assets are involved, a specific regulatory framework applies.

Does Tractial offer stablecoins as an investment?

No. Stablecoins are presented here as a potential infrastructure and payment component, not as an investment product.

Can an IBAN be connected to a wallet?

This can be assessed depending on the project, the technical scope and the applicable regulatory framework.

Are digital asset services available for every project?

No. Every project must undergo compliance, eligibility and technical feasibility analysis.

Is Tractial licensed for digital-asset services?

No. Tractial does not currently hold a licence or registration of its own for digital-asset services. Journeys that connect the euro to a wallet or a stablecoin are assessed case by case, with the authorised provider where required.

Related pages