Finance,
reinvented.
LiFiSe Finance issues €CAÂ, the first euro stablecoin on Polygon, 100% euro-collateralized. Pay with zero fees, participate in DAO governance, and control your money.
« May the general public use our stablecoin to buy their daily bread in 2028. »
Why LiFiSe Finance changes everything
In under 1 minute, we present the vision of LiFiSe Finance: how €CAÂ and DAO governance build a new relationship between citizens and their money.
- Money as a tool for freedom, not dependence
- A 100% transparent and audited euro stablecoin
- Reserve value redistributed to the active DAO community — join the movement
« In 2019, the banks said no. So I stopped asking and started building: LiFiSe Finance »
A complete ecosystem
Two tokens for stable, transparent, and participative finance.
« You can't be both governance (which fluctuates) and a daily payment method (stable) at the same time. »
€CAÂ
Euro stablecoin collateralized 1:1 on Polygon. Each €CAÂ is backed by a euro deposited in a dedicated account at Banque Delubac & Cie, audited quarterly by independent chartered accountant Rydge Conseil.
- 1:1 parity backed by a real euro in reserve
- 100% collateralized — collateral funds in a dedicated account at Banque Delubac & Cie
- Quarterly parity audit by Rydge Conseil
- 24/7 access — zero fees
CAÂM
DAO governance utility token qualified by Hashtag Avocats (legal note of May 6, 2026). Participate in protocol decisions and access protocol benefits reserved for active governance members.
- DAO governance — protocol voting rights
- Protocol benefits for active participants
- Deflationary Buyback & Burn mechanism
- Access to advanced protocol services
The virtuous cycle
A transparent economic model where every action creates value for the entire community.
Deposit
Deposit euros and receive €CAÂ at 1:1 parity, after mandatory KYC/AML verification.
Security
Your euros are held in a dedicated account at Banque Delubac & Cie.
Asset Management
Reserves are managed in highly liquid assets, generating value allocated to the rewards program for active DAO members.
Redistribution
75% of the generated value is allocated to active DAO governance members (Art. 45 MiCA).
Vertueux
Value goes back to the community
Unlike traditional institutions that retain reserve-generated value, LiFiSe allocates it directly to active DAO members.
Active DAO participants
of the value generated by reserve management, allocated to active DAO governance participants — in accordance with Article 45 of Regulation (EU) 2023/1114 (MiCA)
LiFiSe Protocol
for development, security, maintenance and liquidity reserve
The larger the collective reserve, the greater the protocol benefits for each participant.
CAÂM dynamics
How the growth of the LiFiSe ecosystem influences CAÂM demand and the rewards program.
Simulation — CAÂM ecosystem growth as a function of active governance participants (indicative data, non-contractual)
Fixed supply
The total CAÂM supply is fixed at 200,000,000 tokens. It cannot increase. + the ecosystem grows, + demand for CAÂM is strong and increases.
Buyback & Burn
Deflationary Buyback & Burn mechanism aimed at supporting the protocol ecosystem and rewarding the long-term commitment of active participants.
Hold incentive
To receive rewards, you must be an active DAO participant. Selling your CAÂM means losing your rights to future rewards.
⚠ Purely indicative and non-contractual simulation. These projections do not constitute a promise of return or investment advice. Protocol benefits are conditional on active participation in DAO governance. CAÂM is a utility token — its benefits do not constitute financial income within the meaning of MiFID II.
A protocol built for compliance
LiFiSe structures its offering within the most demanding European regulatory framework — MiCA, DORA, KYC/AML.
Structured within the MiCA framework
€CAÂ is intended to be issued under the status of electronic money token (EMT). The Electronic Money Institution (EMI) authorization application is being finalized for submission to the ACPR.
EMI authorization — filing in progress
Meeting held with the ACPR Fintech-Innovation Unit in May 2026. EMI authorization application being finalized for submission to the ACPR. Obtaining the authorization is subject to ACPR approval and is not guaranteed.
Mandatory KYC & AML compliance
Rigorous identity verification and anti-money laundering processes compliant with European directives. All platform participation is subject to a mandatory KYC/AML process.
€CAÂ is an electronic money token (EMT) whose issuance is subject to Electronic Money Institution (EMI) authorization, currently being finalized for submission and review by the ACPR. CAÂM is a governance utility token qualified by Hashtag Avocats (legal note of May 6, 2026); it does not constitute a financial instrument, confers no dividend rights, no redemption rights, and no residual rights upon liquidation. Protocol benefits are distributed to active DAO participants pursuant to Article 45 of Regulation (EU) 2023/1114 (MiCA).
A trusted ecosystem
LiFiSe relies on a verified network of institutional, legal, and technology partners.
Banque Delubac & Cie
Banking partnerCollateral funds deposited in a dedicated account, backed 1:1 in euros. Bank attestation certified on April 28, 2026.
BPI France
French Tech Grant recipientGrant obtained under the BPI France French Tech Grant program — recognition of French fintech innovation.
Hashtag Avocats
MiCA & ACPR legal counselLegal qualification of €CAA and the CAÂM Token established by Hashtag Avocats, legal note of May 6, 2026. ACPR advisory support.
AJC Conseil
Business lawLaw firm (Valence & Lyon). Led by attorneys, AJC Conseil & Avocats advises, supports, and defends SMEs, micro-businesses, liberal professions and their executives in corporate law.
Rydge Conseil
Audit & ComplianceQuarterly 1:1 parity audit of €CAÂ by independent chartered accountant. Collateral reserve certification.
RAID Square
Smart Contract AuditSecurity audit of LiFiSe smart contracts. Certification of the technical integrity of the blockchain protocol.
ACEFUNDS
Product tokenization — RWADigital asset management in highly liquid instruments. 2025 realized RWA yield: 25.2%. CES Las Vegas award winner for its tokenized financing model. Accepts €CAA.
PMU.fr
ANJ-regulated partnerPartnership with PMU.fr, operator regulated by the French National Gaming Authority (ANJ).
Codinsight
Technical architectureFull Stack & Web3 development. Polygon blockchain architecture, security and technical infrastructure.
The finance you deserve
The rigor of regulated finance, combined with the transparency and efficiency of blockchain.
Financial sovereignty
Full control of your funds via a non-custodial wallet. No intermediary can freeze your assets — you are the sole owner of your keys.
On-chain transparency
Every transaction and reserve movement is publicly verifiable on Polygon. Smart contracts audited by RAID Square.
Inclusive finance
24/7 access from anywhere, without discrimination or hidden fees. 0% transaction fees — 0% account fees — 0 gas fees.
Experts at the service of your sovereignty
A multidisciplinary founding team combining financial, regulatory, and technological expertise.
Pierrick Torasso
CEO & FounderOverall strategy, EMI authorization process, and institutional relations with the ACPR.
Julien Sirtaine
COO & NetworkOperational execution, partnership development and commercial deployment of LiFiSe Finance.
Tiffany Pierangeli
RCCI (Chief Compliance Officer)Responsible for Compliance and Internal Control — DORA, KYC/AML and MiCA compliance framework.
Codinsight
Web3 Expert & Full Stack DevPolygon blockchain architecture, ERC-20 smart contracts, security and LiFiSe technical infrastructure.
You are not investing in revenue. You are investing in infrastructure.
LiFiSe Finance is not a startup chasing fast growth. It is a sovereign monetary infrastructure, built to last — whose true value is measured by what it would take a competitor to replicate it.
ACPR
EMI authorization
Application being finalized for submission to the ACPR. Obtaining this authorization takes an average of 18 to 36 months. It cannot be purchased. It must be earned.
Hashtag Avocats
MiCA qualification
€CAÂ and CAÂM have received a full legal qualification. The most demanding European regulatory framework — MiCA, DORA, KYC/AML — is our natural terrain, not our constraint.
DGFiP
Tax ruling
The French tax authority has confirmed the applicable VAT treatment for our operations. This type of proactive legal certainty is rare at this stage of development. It protects our investors as much as our model.
RAID Square
Smart contract audit
Our smart contracts have been audited by a specialized independent firm. On-chain transparency is not a marketing argument — it is an obligation we set for ourselves.
Rydge Conseil
Collateral audit
Every deposited euro is certified quarterly by an independent chartered accountant and Banque Delubac & Cie. The 1:1 parity of €CAÂ is not a promise. It is an attestation.
Monetary sovereignty is not built in a few months. It is built brick by brick — regulatory, technical, legal, banking. LiFiSe has laid those bricks. The infrastructure is in place. What comes next is adoption.
For an investor who understands the dynamics of monetary protocols, the potential is measured by the capacity of a regulated, sovereign, and transparent infrastructure to become a daily payment standard for a fraction of the euro zone.