What we are asked most often

MAP provides an earmarkable digital euro. You choose who, when, how much, where and what for. Your users pay from an account. Every payment is recorded on a tamper-proof blockchain.

MAP’s earmarkable digital euro is the electronic money issued by Mon Ami Poto SAS, an institution authorised by the ACPR, backed by the euro, one for one. The Eurosystem’s digital euro project is carried by the European Central Bank and the national central banks. The detailed comparison is set out in the dedicated article.

The electronic money issued by MAP is redeemable at any time at par value. The matching funds are kept in a dedicated account at BNP Paribas, in accordance with Article L. 522-17 of the French Monetary and Financial Code.

Every payment in the digital euro account is recorded there, and the record stays as it was written, for every party, MAP included. The proof covers the payment: amount, supplier, date, the rule that authorised it. Personal data stays off chain.

Who, when, how much, where and what for. The designated users, the amounts, the period, the ceilings, the suppliers or their categories. Online payments, cash withdrawals, activation of the account and the means of payment. For example: €600.00 per household, at food suppliers in the chosen area, for three months. What each rule controls is set out in the rules matrix.

Filtering by supplier category frames where the money is spent. Item-by-item control requires an integration and suitable data. We look together at whether it is feasible, digital euro account by digital euro account.

Tracking distinguishes three amounts: what is authorised, what is already paid, and what is still available. The format, the frequency and the recipients are settled with your teams, from the first conversation.

The terms depend on what your digital euro account covers. They are given to you after the first conversation.

A refusal always names the rule that stood against it. The account holder is given that reason, as the digital euro account provides. If the difficulty persists, support and the complaints channel are the right routes.

The end of a period of use and the right to redeem electronic money are two distinct questions. Balances are handled as provided for in the digital euro account contract, and the electronic money remains redeemable at par value.

Each role has defined access rights. What the funder sees accounts for the use of the funds, without unnecessarily exposing the identity of individuals.

Support directs you according to the nature of the question: digital euro account, access, operation or incident. A complaint follows a different route from commercial contact.

It is handed to you from the first conversation, for what your digital euro account covers.

It depends on what is covered, the systems concerned and your organisation’s internal approvals. The timetable is set with your teams, from the preparation stage.

Yes. A test environment, on fictitious data, is part of the preparation. Its arrangements are defined with your technical teams.

Yes. The user has an account with its own IBAN, and incoming and outgoing transfers. They have a universal payment card, accepted wherever payment cards are. It works in shops, online and anywhere in the world. A QR code and an app come with it. Which of these your digital euro account opens is settled from the first conversation.

With Mon Ami Poto SAS, an electronic money institution authorised by the ACPR. The company has been on the Paris trade register since 7 February 2020 and its registered office is at 30-32 boulevard de Sébastopol, 75004 Paris. MAP is its institutional brand. The Regulatory framework page sets out the services covered and how the roles are split.

In the public registers of the supervisory authority. The electronic money institution authorisation carries the number 17698. The Regulatory framework page repeats that reference.

Each attestation is published with what it covers, its issuer and its validity date.

The catalogue of documents says how to access each one: public, on request or restricted. A request is made through the institutional contact channel.