How AllUnity is Making the Euro Globally Accessible

Chiara Munaretto sits down with Luis Schaubhut, Chief of Staff at AllUnity, at the Bluechip Crypto Safety Conference 2025 in Vienna to explore how AllUnity is building Euro AU, a euro-denominated e-money token designed to make the euro globally accessible like USD stablecoins. With BaFin licensing complete and 3 months live since summer 2025, Luis reveals AllUnity's strategy to reclaim European financial sovereignty through tokenized money.

This conversation unpacks the critical distinction between European e-money tokens and US stablecoins, why Euro stablecoins are essential for global cross-border payments but less needed within SEPA today, the infrastructure bottleneck preventing adoption (corporates and suppliers need wallets), and AllUnity's consortium structure with DWS (Deutsche Bank's asset management arm), Flow Traders, and Galaxy Digital. Luis also discusses the nine-bank consortium competing in the space, why banks must build as "agile as startups"to succeed, MiCA's unique advantage of regulating both cash and asset layers simultaneously, and his perspective on the digital euro targeting 2029.

Timestamps:
00:00 - Introduction: Building the euro stablecoin rail
00:44 - AllUnity's mission: Making euro globally accessible outside SEPA
01:32 - European sovereignty and bringing euro back to global finance stage
02:21 - Euro stablecoins for global cross-border vs European transactions
03:28 - Neutral stablecoin philosophy: Collaboration over competition
04:26 - BaFin licensing and MiCA compliance process
05:39 - Regulator evolution: Understanding crypto and tokenized e-money
06:20 - B2B strategy first, retail partnerships later
08:20 - Infrastructure challenges: Multi-chain deployment and wallet adoption
09:16 - The corporate wallet problem: Porsche, Mercedes, and supplier networks
11:02 - Banks as distribution partners vs stablecoin issuers
12:05 - AllUnity consortium: DWS, Flow Traders, Galaxy Digital
13:32 - Bank infrastructure challenge: Issuing vs distributing stablecoins
15:23 - Compliance as killer feature: MiCA's cash and asset layer regulation
17:28 - Digital euro vs euro stablecoins: Retail SEPA vs global public blockchains

About AllUnity:
AllUnity is a German fintech building Euro AU, a euro-denominated e-money token backed by a consortium of DWS (Deutsche Bank's asset management arm), Flow Traders, and Galaxy Digital. Launched in summer 2025 with BaFin licensing, AllUnity positions itself as a neutral stablecoin platform focused on making the euro globally accessible for cross-border payments and tokenized asset settlements. Operating B2B initially with plans for retail distribution partnerships, AllUnity is building multi-chain infrastructure to enable seamless euro movement across global payment networks.

The content of this podcast is for informational purposes only and does not constitute financial, investment or legal advice.