Following the launch of Paid to Deposit with USDG, we are taking our core philosophy to the Euro. We do not just want you to deposit your Euro stablecoins for free: we want you to get Paid to Deposit.
Today, we are thrilled to announce that Smart Cash has officially expanded to support the EURØP stablecoin.
By opting-in to Smart Cash with EURØP, you will receive monthly BORG rewards as part of our loyalty programme, with absolutely no lock-ups or restrictions on your Euro stablecoins.
Your Stablecoins: Zero Lock-Ups. Zero Cooldowns. 100% Liquid.
Just like our USDG integration, Smart Cash for EURØP is engineered around a liquidity-first philosophy. Traditional reward programmes often force you to lock up your assets or wait through frustrating cooldown periods.
With Smart Cash, you retain total control:
- Complete Freedom: Your EURØP stays 100% liquid at all times. You can spend, trade, or withdraw your holdings whenever you choose.
- Automated Rewards: Monthly rewards land directly in your account as BORG with a 30-day loyalty lock, requiring zero manual claiming on your part. The 30-day lock applies only to the BORG rewards, never to your stablecoins.
Paid to Trade and Paid to Spend
Your unlocked EURØP wallet balance counts towards your monthly BORG rewards (excluding balances held in separate Earn Strategies, and at present, Trigger Orders).
This means the strategic flexibility we introduced with USDG is now available for your Euro wealth. You can read the full breakdown in our USDG Paid to Deposit Guide, but here is a quick reminder of how you can optimise your capital:
- Earn While Routinely Investing: Use EURØP to fund your Auto-Invest plans. While your capital waits for its scheduled allocation, it actively generates BORG rewards.
- Paid to Spend: Allocate your EURØP balance to your SwissBorg card. Your money actively contributes to your rewards right up until the moment you tap to pay for your groceries or morning coffee.
The Bonus Flywheel: Passively Level Up Your Loyalty Rank
The rewards you earn from Smart Cash are distributed directly in locked BORG tokens. By accumulating locked BORG in the background, your underlying ecosystem stake grows automatically every single month.
As your locked BORG balance climbs, you will organically level up through the SwissBorg Loyalty Ranks.
Higher ranks unlock up to 99% trading fee cashback, boosted yield multipliers, and amplified referral bonuses. Smart Cash does not just reward you today: it builds a compounding flywheel towards your future wealth.
What is EURØP?
EURØP is a premier digital Euro designed for the next generation of European Web3 adoption. We recently welcomed EURØP to the SwissBorg app, and it perfectly aligns with our vision for a secure, regulated financial future.
Here is what makes EURØP a world-class asset:
- Fully Regulated and MiCA-Compliant: EURØP is an e-money token (EMT) issued by Schuman Financial, a licensed Electronic Money Institution supervised by the French ACPR (Autorité de contrôle prudentiel et de résolution, part of the Banque de France), and fully compliant with the EU's Markets in Crypto-Assets regulation.
- 1:1 Euro Backing: Every single EURØP token is backed 1:1 by Euro reserves held in government-supervised EU banks such as Société Générale, ensuring it is always transparent, verifiable, and secure.
- Transparent & Audited: The entire circulating supply undergoes quarterly audits by KPMG, one of the world’s leading auditing firms.
Launch Special: 0% Exchange Fees for First 30 Days!
To celebrate the expansion of Paid to Deposit and support your transition into a fully MiCA-compliant Euro asset, we are removing the barriers to entry.
For the first 30 days from launch (until August 13, 2026), you can move your existing EURC stablecoins or EUR (fiat) holdings into EURØP on SwissBorg with 0% exchange fees.
Do not let your digital Euros sit idle on platforms that treat basic access as a luxury. Move your capital to a secure home that actively rewards your presence.
Opt-in to Smart Cash in your app with EURØP today, and let us start Growing Wealth Together.
EURØP Smart Cash Frequently Asked Questions (FAQ)
Q: When and how are rewards paid out?
A: Rewards are paid out on the first day of each month directly into your locked BORG wallet, covering your activity for the previous calendar month. These payouts feature a 30-day lock period, seamlessly integrating with our loyalty mechanism to help grow your Rank over time.
Q: Are my funds locked when I join Smart Cash?
A: No. Your stablecoins remain 100% liquid at all times. You can freely withdraw them or use them for active ecosystem features like Instant Exchange, and Auto-Invest. Only the BORG rewards you receive are subject to a 30-day lock.
Q: Do I need to take action every time I deposit EURØP?
A: No further action is required. Smart Cash uses a simple, account-level opt-in. Once you enrol, all of your current and future eligible wallet balances are automatically tracked and included in the monthly reward calculations.
Q: Do my balances in Earn Strategies count toward rewards?
A: No. Only the assets held directly in your main SwissBorg wallet balance are eligible for Smart Cash. Any funds deployed into separate Earn Strategies are excluded.
Q: What happens if I pause Smart Cash mid-month?
A: If you choose to opt out mid-month, your selection takes effect immediately. However, the rewards you accumulated up to your opt-out date will still be paid out on a pro-rata basis at the start of the next month. No further rewards will accrue from the day you pause your participation.
Q: Why did I not receive a reward this month?
A: Missing a payout is usually down to two reasons. Either you were not actively opted in during the calendar month, or your accumulated balance generated a reward that fell below the minimum payout threshold of 0.01 BORG.
Q: What is the specific APY for Smart Cash?
A: Smart Cash does not have a fixed APY. The monthly reward is a discretionary promotional grant.
Q: How does day counting work if I opt in and out multiple times a month?
A: Calculations are executed with daily precision. The day you opt in counts toward your active reward window, while the day you opt out does not. For example, if you opt in on 2 March and opt out on 12 March, you will receive precisely 10 days of pro-rated rewards at the end of the month. If you change your mind and re-enrol on 20 March, the remaining 12 days of the month are added to your total, giving you 22 days of rewards altogether.
Important - BORG rewards under the Smart Cash programme are a discretionary, promotional loyalty incentive. They do not constitute interest, yield, or any other form of remuneration linked to the holding of EURØP. This is a promotional campaign, which SwissBorg may amend, suspend, or discontinue at any time.
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