Euros, on a real account, that can only be spent where you decided.
This is MAP’s earmarkable digital euro. Every beneficiary gets a real account with their own IBAN and a universal payment card: they pay in shops, online and anywhere in the world. You choose who, when, how much, where and what for. Every payment is recorded on a tamper-proof blockchain.
- Electronic money institution authorised by the ACPR, no. 17698
- Funds safeguarded at BNP Paribas, held apart from MAP’s own
- A real account: IBAN, universal card, QR code
- A funder opens the Equipment 2026 programme and safeguards a 7 200,00 € allocation.
- Each of the twelve designated beneficiaries receives 600,00 € on a real account, with their own IBAN and universal payment card.
- At the checkout, the drill bought from an approved supplier is accepted for 120,00 €, the purchase outside the category is declined.
- The accepted payment is recorded on the tamper-proof blockchain.
Who are you?
You want to… We have the solution.
Every organisation arrives with its own duty to account. Choose yours.
Companies
You want to equip and support your staff, with no out-of-pocket advances and no expense claims to process. We have the solution.
Networks and franchises
You want to open the same envelope to every member of your network, under shared rules. We have the solution.
Corporate giving, foundations and endowment funds
You want to fund an action and show every contributor what their euro paid for. We have the solution.
Targeted support and assistance
You want to open immediate support for accommodation, transport or essential equipment. We have the solution.
Platforms and operators
You want to connect earmarked budgets to your business journeys, relying on an authorised institution. We have the solution.
Training and mobility
You want to fund a pathway and the expenses that go with it, over the planned period. We have the solution.
Local authorities and the public sector
You want to pay out support that is spent within your area, for its stated purpose, and report on it to your elected members. We have the solution.
Charities and solidarity
You want to collect earmarked donations and pay the suppliers of the action directly. We have the solution.
Create your own currency
You want an earmarked euro in your own colours, for a programme or an area. We have the solution.
The flow
From budget to payment, in four stages.
The mechanism is the same whether you give funds or collect them.
- 01 Collection Funds arrive by transfer and are attached to your programme.
- 02 Issuance They become digital euro, one for one, allocated as envelopes.
- 03 Earmarking Your rules apply before the spend: who, when, how much, where and what for.
- 04 Payment The beneficiary pays the intended suppliers by card, transfer or QR code.
Every payment recorded on a tamper-proof blockchain, checked by the AI before execution
Benefits
What the earmarkable digital euro changes, in seven points.
Select a point: you see what it settles, for the funder and for the beneficiary.
Concrete
- The beneficiary no longer pays out of their own pocket.
- No expense claim to fill in, and no reimbursement to wait for.
- No paper voucher or code to manage: they pay as with any other card.
Programmable
- The money cannot be spent on another purpose.
- No checking to redo afterwards: the rule applies before the payment.
- The same rule applies to everyone, with no exception to arbitrate.
Traceable
- No receipts to chase one by one.
- Every payment is already linked to its programme and its envelope.
- No one can rewrite a record afterwards, and MAP no more than anyone else.
Transparent
- No shared spreadsheet to rebuild in order to report.
- The contributor no longer has to ask where their contribution went.
- The beneficiary knows their balance and their rules without asking.
Real time
- No waiting for month end to know what has been spent.
- Differences in cash position are explained payment by payment.
- Refusals and refunds are visible the moment they occur.
Regulated
- Your compliance team knows who it contracts with, and under which status.
- Funds received are not mixed with the operating funds of the business.
- No operation outside the framework: it is blocked before it is executed.
Trust
- Your funders receive a proof, not a statement.
- You can show that a payment has not been altered afterwards.
- What the proof does not cover is written down, rather than oversold.
Our services
Five services. Two ways to deploy.
You take what your programme needs, and nothing more.
Use cases
Choose your type of organisation.
For each case: who funds, who spends, who receives, and what the rule allows.
These cases describe programmes MAP sets up, from the same services and the same earmarking rules.
A company opens an envelope of €600.00 per technician to renew their tools. The money can only be spent at approved suppliers, until the end of the year, and every payment is recorded on the blockchain.
The team on assignment pays directly from the mission budget with a universal card, instead of paying first and waiting for reimbursement. The rule applies at the till, not three weeks later.
These cases describe programmes MAP sets up, from the same services and the same earmarking rules.
The head office opens the same envelope to every outlet to order the campaign material. It can only be spent at the approved suppliers of the operation, during the agreed period.
The group covers part of the works. Each member receives a ceiling, usable only at approved contractors, and the group finds every payment recorded on the blockchain.
These cases describe programmes MAP sets up, from the same services and the same earmarking rules.
Three patrons fund the same action. The funds are brought together in a single envelope, and every contributor sees what their euro paid for, payment by payment.
The endowment fund allocates its grant to a specific line of the agreement. It cannot drift to another line during the year, and the proof goes out with the report.
These cases describe programmes MAP sets up, from the same services and the same earmarking rules.
An incident forces a family out of their home. The assistance provider immediately opens an envelope for the hotel and the journeys: the family pays with a universal card, without advancing anything.
The social action fund grants food and energy support. The household pays directly in store, with no paper voucher and no receipt to send back, and the support can only be spent at approved suppliers.
These cases describe programmes MAP sets up, from the same services and the same earmarking rules.
Your platform already runs the business journey. MAP adds the account, the envelope and its rule: the user pays without leaving your interface.
The software provider triggers payment of the providers in its catalogue. Statuses flow back into its own tool, with no manual reconciliation, every payment recorded on the blockchain.
These cases describe programmes MAP sets up, from the same services and the same earmarking rules.
An envelope is opened per learner for the duration of the pathway: tuition costs and the related expenses, released on the planned dates.
A person on a back-to-work pathway has to travel every week. The programme opens a transport budget for them, capped per journey, for the planned duration.
These cases describe programmes MAP sets up, from the same services and the same earmarking rules.
The authority votes the support and chooses where it may be spent. The digital euro can only be spent at the shops selected by the decision, within the area.
Every euro paid out can be traced line by line, from the contribution to the shop that receives it. The report reads in real time, not at year end.
These cases describe programmes MAP sets up, from the same services and the same earmarking rules. The amounts are examples. The proof covers the payment, not the delivery.
Poto already runs on MAP.
A complete solidarity programme: collection, issuance, allocation, payment, and every contributor sees what their euro paid for. It runs on the infrastructure we put at your disposal, with the same services and the same proof. Your programme starts from your own rules.
- Journey
- Contribution, issuance, allocation, payment
- Means
- A real account, IBAN, universal card, QR code
- What you see
- Every payment, per role, in real time
- Proof
- Payments recorded on a tamper-proof blockchain
Four steps, one point of contact.
A programme is prepared. You define the use, then the rules that are really needed. You review the exchanges with your information system, then open the programme to a first group of beneficiaries.
The first call
The use, the roles and the rules: who, when, how much, where and what for.
What is chosen
The services selected, the means of payment opened and the contract.
Testing
Accepted payments, refusals, refunds: the rules are tested before opening.
Operations
The programme runs, and you follow every payment in real time.
- A payment of 120,00 € is made at a referenced supplier, on 12/10/2026 at 12:04.
- The payment is sealed: it becomes block 145, carrying the fingerprint 4f2a…c19b.
- The block joins a chain of five blocks, where every block locks the one before.
- Changing the amount to 480,00 € breaks the seal and the link: the chain rejects the change, then the original record is restored.
A tamper-proof proof, with its scope written down.
The proof covers the payment: amount, supplier, date, rule applied. It does not cover the contents of the basket, and no personal data is recorded on the chain.
Trust
The questions your legal team will ask.
Verifiable answers, page by page, with their scope.
Regulatory framework
Who you contract with, under which status, and who provides what.
Safeguarding of funds
Where the funds received go, how they are safeguarded and redeemed.
Personal data
Which data, for which purposes, who has access and for how long.
Continuity and exit
What happens in the event of an incident, and how you exit the programme.
The four that come up.
The other answers, on who it is for, electronic money, means of payment and budget, are gathered on a single page.
Who is MAP for?
Organisations that give or collect funds for a specific use. Local authorities, companies, networks, corporate donors, foundations and endowment funds, charities and platforms. You pay out or you collect. MAP provides the account, the card, your rules and the proof of every payment.
What is an earmarkable digital euro?
Euros, on a real account, that can only be used for what you have decided. You set the rules before the money is spent: who, when, how much, where and what for. It is electronic money, issued one for one against the euros you pay in. It is neither the Eurosystem’s digital euro project nor a bank deposit.
Does MAP provide an account, an IBAN and a card?
Yes. A real account with an IBAN, incoming and outgoing transfers. A universal payment card, not a prepaid card. Online payment, the QR code and the app, usable anywhere in the world. Your programme’s rules decide where and what they work for.
What can I decide for my programme?
Who, when, how much, where and what for. You choose the registered beneficiaries, the ceilings per transaction, per day or per month, the period, the authorised suppliers or categories, the geographic area. You allow online payment and cash withdrawals, or you do not. For example: €600.00 per household, at food suppliers in the chosen area, for three months.
Thirty minutes to prepare your programme.
Tell us who funds, who uses the funds and what the programme must be able to pay for. A MAP expert will get back to you, with no commitment.