Competitive Landscape

the stablecoin and rwa markets are expanding rapidly, but remain concentrated and structurally limited tether ($usdt) – largest stablecoin globally, but offshore, opaque, and non compliant in europe circle ($usdc) – u s centric, mica ready but dollar denominated; lacks european sovereignty makerdao ($dai) – decentralised, but dependent on u s stablecoins and not natively compliant monerium – eu licensed e money institution issuing euro stablecoins, but lacks pln, usd, and defi integration european banks / ecb – exploring digital euro, but rollout is years away; limited innovation and programmability olbra’s competitive advantages exclusive pln stablecoin (plny) the only emi licensed złoty stablecoin , legally recognised and compliant anchors poland’s sovereignty in digital finance — no competitor has this the stablecoin triangle (plny–eury–usdy) olbra is the only issuer combining local, regional, and global currencies into one ecosystem bridges pln ↔ eur ↔ usd seamlessly, creating a continuous fx corridor dual regulatory compliance fully compliant with mica (eu) and genius act (u s ) trusted across both european and american jurisdictions — unmatched by current issuers integrated defi & rwa layer the neobank all in one app first in the world to tokenise polish government bonds expanding into equities, real estate, commodities, and gold combines stablecoin liquidity with real, yield bearing assets payments & adoption channels global access via telegram’s 1b+ users and fiat ramps/cards merchant solutions with lower fees than visa/mastercard institutional bridge backed by emi licensing, full reserves, and audits designed for adoption by banks, etfs, and asset managers strategic positioning olbra is positioned as the “circle of europe, but better” circle dominates the u s dollar with $usdc olbra will dominate pln, eur, and usd stablecoins in europe , with compliance and institutional backing olbra’s unique moat no other player combines pln + eur + usd , dual compliance, and deep integration with defi, rwas, and payments