OffChain Luxembourg

Ever wondered what would happen if we completely reinvented how money works? Not just tweaks to the system, but a fundamental transformation that puts power back in your hands? Thanks to the MiCA regulation, OffChain Luxembourg opens doors to possibilities you never imagined. 📅 Tuesday, January 14, 2025 | 7:00 PM 📍 Indie's - 6 Bd Franklin Delano Roosevelt, 2450 Ville-Haute Luxembourg ✨ Your Evening of Discovery Includes: 🪄Live Blockchain Magic: Experience the future of payments happening right before your eyes. No more talking about potential; see real transactions, real impact, real change. 🌟 Connect with Visionaries: Immerse yourself in Luxembourg's most dynamic blockchain community. Every conversation could be the beginning of your next big opportunity. 🚀 "Open Money" Revolution: Discover how blockchain is lowering barriers and creating a financial system that works for everyone. This is more than just another tech talk. This is your invitation to be part of a movement that's reshaping the future of finance. Whether you're blockchain-curious or a seasoned enthusiast, you'll walk away inspired and empowered. The future of money is calling. Will you answer? Don't miss your chance to be part of this transformative evening! 🥂

Are DeFi vaults… funds? Or something else entirely? One of the most interesting developments in DeFi right now isn’t a new token. It’s vaults. Protocols like Morpho are pushing this model forward, and quietly, something important is happening. What’s a vault (in simple terms)? You deposit an asset (often a stablecoin). A smart contract allocates it across lending markets. You earn yield. No intermediaries. No custody risk. Full transparency. And instead of trusting a manager, you rely on code + curated risk parameters. But here’s the real question: Is this a fund? At first glance, it looks like one: * pooled capital * yield generation * allocation decisions Sounds familiar. But then things get… different. What makes vaults strange (in a good way): * You can withdraw anytime * You keep a direct onchain claim * No one ever takes custody of your funds * Allocation is visible, rules are enforced by code And the “manager”? A curator who defines risk parameters, but doesn’t hold your money. So what is it, then? Not really a UCITS. Not cleanly an AIF either. Not covered by MiCA. Somewhere between: * a fund * a lending desk * and a piece of financial infrastructure And that’s where it gets interesting. Because vaults don’t just challenge products. They challenge categories. They force a simple question: When code replaces intermediaries, what exactly are we regulating? We’re starting to see institutions and asset managers look at these structures. Because they’re efficient. And as always, innovation moves first. Regulation follows. 2026 might not be the year DeFi explodes. But it might be the year it starts getting… taken seriously. 🧡

We upgraded it. 🧡 But.. The Introduction to Blockchain, Cryptocurrencies & Web3 course is back! And this time, it comes after Easter with updated content for a world that’s moving faster than ever. Because let’s be honest: everything is accelerating. Which means one thing: understanding it is no longer optional. You don’t need to become a developer. But you do need to understand: * how value moves today * what digital ownership actually means * how decentralized systems change trust * and how all of this connects to the world you already live in Because confusion in this space is expensive. And clarity is leverage. That’s why we built this course with The Blockchain Academy®! To give you a clear mental model of what’s real, what’s noise, and what actually matters. Led by Wim Stalmans and Sorin Cristescu, combining real-world experience with a very human teaching approach. Course details: - April 14 → May 19 - Tuesdays and Thursdays · 18:30-20:30 - Athénée de Luxembourg (Salle INFO 4) * 11 sessions · 2 hours each * 22 hours total Pricing: * Full price: €495 * House of Web3 members: €400 * OffChain Luxembourg members: €220 * Students: €110 Certificate included! 🧡 Registrations are open. Scan the QR code! Spots are limited (as always). If you’ve been telling yourself “I should really understand this at some point…” This is that point! See you in class. 🧡 We can't wait! 🧡

Tonight. No overthinking. Just come. 🧡 - Le Croque Bedaine - From 19:00 Another Tuesday. Another Letz OffChain. And lately… you’ve seen it, the table keeps getting bigger. 🧡 New faces. Old friends. Good energy. Better conversations. And tonight won’t be different. And yes, this is THE place to try Innopay. At Le Croque Bedaine, it’s fully live: - QR codes on the tables - Full menu inside - Order directly - Pay in seconds No waiting. No splitting bills drama. No friction. Just scan → order → pay → enjoy. If you haven’t tried it yet, tonight is the night. What are we talking about? Who knows… but lately geopolitics heating up (again), markets… somehow still going up, crypto doing crypto things and AI moving faster than most people can process. But then suddenly life stories, business ideas, random debates that make zero sense… until they do! That’s the table. Just show up! Le Croque Bedaine, tonight from 19:00 🧡 And say it with us: Tuesday is the new Thursday. See you there. 🧡

A quiet shift in Europe’s crypto landscape? Two recent developments raise an interesting question for Luxembourg. On the one hand, several crypto companies are increasingly looking at Austria when applying for MiCA CASP licences. We’ve recently seen Bitget choosing Vienna, and Transak reportedly preparing its own CASP application there as well. Not Malta. Not Ireland. Not Luxembourg. On the other hand, a political debate is unfolding here at home. In a recent interview, Laurent Mosar warned that Luxembourg must remain vigilant in European negotiations where larger Member States are pushing for more centralised supervision of financial activities. His argument is simple: harmonising rules across Europe makes sense, but centralising supervision far from the local ecosystem might weaken competitiveness rather than strengthen it. And this is where things get interesting. Because while Luxembourg debates how to defend its position in traditional financial sectors like investment funds, new battlegrounds are already emerging in digital finance. MiCA licences will shape where crypto companies establish their European bases. And today, it seems that Austria is gaining momentum in that race. This is not necessarily about regulation being stricter or lighter. Often, it comes down to something much more pragmatic: - regulatory clarity - responsiveness of authorities - speed of licensing processes - perception of openness to innovation In other words, competition between financial centres never really stops. It just moves to new sectors. Luxembourg has built its reputation over decades by being pragmatic, predictable, and business-friendly. The question now is simple: as the crypto and digital asset sector matures under MiCA, where does Luxembourg want to position itself? Because the next generation of financial infrastructure will not only depend on rules. It will depend on where innovators decide to build.🧡

Coinbase gets an EMI licence in Luxembourg. Another signal that the lines between crypto and traditional finance continue to blur. Coinbase Luxembourg SA has just been authorised by the CSSF as an Electronic Money Institution (EMI) under Luxembourg’s payment services framework. And that matters. Until recently, most crypto companies operated mainly around trading infrastructure. An EMI licence moves things into a different territory: payments. It means the ability to issue and manage electronic money, execute credit transfers, and operate inside the same regulatory perimeter as other payment institutions in Europe. In other words, crypto companies are no longer only building exchanges. They are increasingly becoming part of the financial plumbing. And Luxembourg seems determined to be part of that evolution. The Grand Duchy has long positioned itself as a hub for regulated finance. Seeing global players anchor part of their European payment infrastructure here suggests that this strategy is continuing into the digital finance era. But this also highlights something important. The next phase of the crypto industry will be about infrastructure, regulation, and real-world integration. Trading platforms were the first chapter. Payments might be the next one. And that’s where things start getting interesting. Because the real question is no longer whether crypto exists. It’s how deeply it integrates into everyday financial systems. 🧡

About last night at Brasserie Millewee. 🧡 Another Tuesday, another Letz OffChain evening with the family. Great food, great drinks, amazing meat… but above all, a fantastic atmosphere around the table. Conversations flowing, ideas bouncing around, and a room full of curious minds. But last night also came with big news. Brasserie Millewee officially signed the partnership agreement to implement Innopay. After seeing how it works, Dacian, the owner, was genuinely impressed and decided to join the growing Innopay family. What does that mean for you? In the near future, Brasserie Millewee will have its own Innopay menu with QR codes, meaning you’ll be able to order and pay just like at Indie’s or Le Croque Bedaine: scan, order, pay, simple and instant. And of course… this raises the obvious question: Who’s next? If you have a place in mind, drop it in the comments or tag the owner. The Innopay family keeps growing. Beyond that, the discussions were as rich as always. One topic stood out thanks to two guests brought by Cristian: Vincent Fourcaut and David Latout, who are working on building what could become Luxembourg’s first crypto hedge fund. They are also the first client of 6Monks, which sparked a fascinating discussion around regulation, innovation, and what the next generation of crypto finance might look like in Luxembourg. Exactly the kind of conversations that make Letz OffChain special. Amazing night. Amazing people. But we’re already looking forward to the next one. Next Tuesday 17/03: Le Croque Bedaine, starting from 19.00. Who knows what stories, ideas, and surprises the next table will bring? See you there. 🧡

When the dollar speaks, everyone listens. A recent development in Luxembourg quietly illustrates a reality that is often discussed in theory but rarely seen so clearly in practice. Spuerkeess has closed the bank accounts of the International Criminal Court (ICC) following US sanctions targeting the institution. You may ask why. Did Luxembourg changed its position on the ICC? No. Did the government withdrew its support? No. Just because of a simple structural fact: banks cannot operate internationally without access to the US dollar. And access to the dollar means access to American financial infrastructure and therefore exposure to American sanctions. As Luxembourg’s finance minister explained during the parliamentary debate, if a bank loses access to US correspondent banks, it effectively loses the ability to operate globally. In other words: the power of the United States in global finance does not only come from politics or military strength. It comes from the central role of the dollar in the international financial system. This case shows how that power can travel far beyond American borders, shaping decisions made by institutions thousands of kilometres away. It also raises an important question for Europe: how much financial sovereignty is possible in a system where the plumbing of global payments is controlled elsewhere? Not a new debate. From the digital euro to alternative payment infrastructures, European policymakers are increasingly aware of the strategic importance of financial rails. But awareness is only the first step. Because as this episode reminds us, the real issue is not ideology. It is infrastructure. Who controls the rails often controls the outcome. And in today’s system, those rails still run largely through the dollar. 🧡

Tuesday is the new Thursday. 🧡 And tomorrow, we gather again. - Brasserie Millewee - Tuesday 09/03/2026 - From 19:00 Another Tuesday, another Letz OffChain. Which means one thing: a table full of curious people, good food, cold beers, and conversations that can go absolutely anywhere. Because that’s the magic of these evenings. One moment we’re talking about Bitcoin and market cycles, the next about AI writing code faster than startups can decide what to build, then suddenly someone brings up geopolitics, regulation, or the future of Europe’s financial infrastructure. And somehow it all makes sense. But above all, Letz OffChain is people. Entrepreneurs, builders, curious newcomers, travelers, and friends, all sitting at the same table sharing ideas, stories and perspectives you don’t usually find in everyday conversations. And of course… crypto is never far away. At Brasserie Millewee, you can already pay directly with crypto, thanks to Innopay. No complicated setup. No theory. Just a simple example of what happens when technology quietly enters everyday life. Real people. Real payments. Real places. So if you’ve been wondering what OffChain Luxembourg is really about, this is still the best way to find out. 🧡 Tuesday 09/03 - Brasserie Millewee - from 19:00 See you tomorrow 🧡

About last night at Indie’s. 🧡 It felt good to be back where everything started. A full table, a great mix of familiar and new faces, and the kind of atmosphere that makes Letz OffChain what it is: curious people sharing ideas, stories, and a few beers along the way. The food was great as always, and this time there was an extra twist: the full Innopay setup was live, meaning many people could order and pay directly through it. Explaining how it works is always fun, but seeing people actually try it on the spot is even better. As usual, the topics around the table went in many directions. We spoke about the escalation between the US and Iran, and the strangely optimistic reaction of markets afterward; everything pumping when many expected the opposite. Still, it’s hard not to feel uneasy watching tensions rise. Travel also made its way into the conversation. Quite a few of us seem to have the travel bug, and the idea of organizing trips together in the future started to sound… surprisingly realistic. Closer to home, Luxembourg real estate sparked its own discussion. Finding a place here is never simple, but it’s always inspiring to hear people planning the next chapter of their lives. We even had a new yoga teacher at the table who managed to convince some of us that maybe, just maybe, it’s time to give yoga a try. And one more thing we noticed: a strong Romanian presence around the table! 🇷🇴 Which feels fitting, because Romania might very well become the next country where Innopay goes live! All in all, another night full of ideas, laughter, and unexpected connections. And the journey continues. Next Letz OffChain: Tuesday 10/03, Brasserie Millewee Another evening, another table, and maybe a few Innopay surprises waiting for you. See you there. 🧡

Back where it all started. 🧡 Today we’re back at Indie’s, where Innopay first went live in January 2025! It hasn’t been long. But what started as “what if?” is now something you can use in seconds. And tomorrow is the perfect moment to try it. Why use Innopay? Simple: - Nothing to install - No hidden fees - Cashback on your order - Pay in euro (Apple Pay included) - Bonus: yes, you can also pay in crypto if you want! You just scan the QR code at your table, order, and pay. That’s it. No waiting for the card machine. No awkward “split the bill” moments. No friction. And if you’re wondering why it matters: Every traditional card payment costs the merchant between 1.5% and 3%. With Innopay, that cost disappears. That’s money staying local. That’s stronger restaurants. That’s a smarter system. And you get cashback on top. The new QR codes are live on the 1st floor tables. Already tested by the Lëtz’Play crew (thanks Prash & community!). It works. It’s smooth. It’s ready. Today, 03/03. From 19:00. Indie’s. Come try it. Come eat well. Come meet the family. Scan. Order. Save. Repeat. See you later. 🧡

AI is watching. And it noticed. 🧡 Claude.ai just listed OffChain Luxembourg as "the community of blockchain developers and entrepreneurs". Not traders. Not influencers. Not hype merchants. Community builders. And that distinction matters. Two years ago, OffChain was an idea shared over beers at Indie’s. Today, it’s part of the datasets shaping how AI understands the Web3 ecosystem. That doesn’t happen by accident. AI models surface patterns. And the pattern here is simple: real people, building real infrastructure, for real use. From crypto payments in local venues to education, governance, and advocacy, to a growing ecosystem rooted in Luxembourg. We’re building foundations. If even the machines can see it… maybe we’re on the right track. 🧡

Back where it all started. 🧡 Tomorrow, we gather at Indie’s, the place where OffChain Luxembourg was just an idea shared over beers around a table, back in December 2023. And what about Innopay? Same place. January 2025. Our first event. The first venue in Luxembourg accepting crypto payments. It feels like a lifetime ago. It’s barely been a year. And yet… look how far we’ve come. From conversations to community. From ideas to infrastructure. From “what if” to real payments in real places. Tomorrow is a celebration of that journey and a reminder that we’re only getting started. Why you should be there? Because Indie’s is where the family grew. Because Innopay is live, menu included: - order, pay in crypto, get cashback - experience the future of payments while eating great food Because the vibes are unmatched. And if the weather stays this kind… the terrace might make a comeback! What might we talk about? Recent Tuesdays left us with questions like: - Geopolitics & markets: the US-Iran escalation and what it means for macro, energy, and risk - Ethereum’s upcoming account abstraction and why some chains had similar concepts years ago.. - Bitcoin: where is it headed next? Discount season or launchpad? - Innopay & OffChain growth and what comes next Or maybe none of that. Maybe we’ll just laugh, share stories, and meet the next person who changes everything. That’s the magic. - Tuesday, 03/03 - From 19:00 - Indie’s Come curious. Leave with ideas. And remember: Tuesday is the new Thursday. 🧡 See you tomorrow, fam! 🧡

Strange allies in the digital euro debate. The warning from ICC judge Nicolas Guillou about Europe’s dependence on non-European payment infrastructure should not be taken lightly. When sanctions can cut someone off from cards, platforms, and even basic digital services, dependence stops being a technical issue and becomes a question of sovereignty. That much is clear. What’s less obvious, and far more interesting, is what the current digital euro debate is revealing. Two groups that rarely agree on anything are suddenly aligned: - Crypto advocates worry about privacy, programmability, and the risk of financial overreach. - Retail banks worry about disintermediation and the erosion of their business model. Different motivations. Same resistance. Call them circumstantial allies. The retail digital euro is often presented as a tool for sovereignty. Yet in its current design, distribution could rely on the very platforms Europe seeks independence from Apple Pay, Google Pay, PayPal and so on. And while stablecoins operate on open blockchain rails, the digital euro remains a centralized, institution-based system. Opposite architectures. Different trust models. Different incentives. It raises a simple question: Can a centralized solution reduce dependency in a decentralized world? It is legitimate for the ECB to seek new tools for monetary policy. It is equally legitimate to ask whether investing tens of billions into a retail CBDC is the right answer to Europe’s strategic vulnerabilities. Because sovereignty, even more than about issuing money, is about controlling the rails on which that money moves. Where do we go from here? The digital euro debate is no longer technical. It is political, economic, and philosophical. And perhaps its most unexpected outcome is this: Former adversaries, bankers and bitcoiners, standing on the same side of a question they never thought they’d share. Not out of ideology. Out of incentives. Sometimes history moves forward through unlikely alliances.

The death knell of the NFT era? Just weeks ago, the abrupt cancellation of NFT Paris, once a flagship event for the space, hinted at something deeper than a bad year. Now, two major institutional exits are confirming the shift: * Nifty Gateway, Gemini’s 2019 crown jewel, is entering withdrawal-only mode and will shut down in a month. At its peak, it processed millions in monthly volume during the 2020/21 boom. * Nike’s exit from RTFKT (December 2025) was a quiet but definitive step away from digital collectibles as a standalone business. For large institutions, the verdict seems clear: the “NFTs as a business model” experiment has run its course. But was it a failure, or a phase? Because beneath the hype cycle, something important happened: - Major brands tested blockchain at scale - New models of digital ownership were explored - Communities formed around verifiable scarcity - The concept of tokenized access entered the mainstream In other words: the speculative layer may be fading, but the infrastructure lessons remain. The real question isn’t “Are NFTs dead?” It’s: - What survives the hype cycle? - Where does tokenization actually create value? - Which sectors will adopt these primitives without the speculation layer? Luxury goods. Ticketing. Identity. Governance. Access rights. The next wave may look very different and far more useful. At OffChain, we’re not mourning the end of a trend. We’re watching the maturation of a technology. Cause we love new forms of ownership and coordination. Curious to hear your take: Was the NFT boom a dead end or a necessary step forward? 🧡

About last night. 🧡 One of those evenings that reminds us why we build. Packed table. Amazing croques. Genuine conversations. And a growing number of people discovering what Innopay actually changes on the ground. But the most valuable moment of the night wasn’t a pitch. It was feedback from the field. Real talk: order grouping Sitting next to the owner, we explored a simple but powerful question: How do you balance customer freedom with operational efficiency? Without Innopay: → one waiter → one table order → one trip With Innopay: → six people ordering at different times → six separate trips → operational chaos if not managed well If you’re nearby, it’s fine. If you’re downstairs? Not so much. So we asked ourselves: Where do we put the cursor? Group by table? Group by time window? Group by room? Group the whole restaurant? 😂 This is what building in the real world looks like: not theory, iteration with the people who use it every day. Because the goal is making life easier for merchants and customers. Next Letz OffChain: Indie’s - 03/03 Where the story began, and where Innopay first went live. See you there. 🧡

About last night. 🧡 Another full table. Delicious croques, craft beers, and even better company. The kind of conversations you don’t stumble into by accident. Markets were on the menu first: cycles, expectations, and why predictions often reveal more about us than about the charts. Then we drifted into AML tools for crypto, how funds can be traced across chains, what solutions exist today, and why many remain locked behind expensive paywalls. From Luxembourg’s own Scorechain to global players like Chainalysis and TRM Labs, the tools are evolving, but accessibility is still a work in progress. We talked about coding, or rather, how coding is changing. Building is easier than ever. Which makes the real challenge no longer how to build, but what is worth building. And of course, we shared where we’re headed next with OffChain and Innopay: how the product keeps improving, and how small iterations can quietly become game changers. But one conversation stole the night. Tokenizing Hermès bags. Not the price, the scarcity. You can walk into a boutique with a suitcase of cash… and still leave empty handed. Waiting lists of 2-4 years are part of the strategy. So we asked ourselves: What if ownership could be fractional? What if access replaced possession? 2/365 tokens → the right to wear the bag for a weekend. Shared insurance costs. Transparent provenance. Liquidity for a historically illiquid luxury asset. Somewhere between absurd and brilliant lies the interesting part. Because tokenization redefines access, ownership, and scarcity. These are the conversations that happen when curious people sit at the same table. And we wouldn’t have it any other way. Next stop: Indie’s - 03/03 Back where it all began. We can’t wait. 🧡

Europe is losing its cars. And with them, its raw materials. Every year, 3/4 million vehicles vanish from EU records. Not recycled. Not tracked. Not recovered. Just… gone. With them go tons of copper, platinum, lithium, cobalt, and steel, the very materials Europe says it urgently needs for energy, defense, and digital infrastructure. And why does this happen? Because our systems don’t talk to each other. Because registries stop at borders. Because paperwork breaks where supply chains don’t. As one industry expert put it: national systems meant to track vehicles are simply overwhelmed. Which raises an uncomfortable question: If we cannot reliably track cars, objects that don’t even benefit from GDPR protection, how do we expect to secure strategic resources in a fragmented system? If only there were an information infrastructure where data could be shared across Europe, tamper-proof, interoperable, and accessible to all authorized actors… But that would require thinking beyond siloed databases. We should talk sovereignty. We should talk resilience. But it's easier to talk cars. But what about Europe? Is it ready to build systems that match the scale of its ambitions? At OffChain Luxembourg, we believe the tools already exist. The question is whether we’re ready to use them. 🧡

Innopay sounds boring? Consider this. If a major payment processor fails (again), your payment still goes through! Why? Because behind the scenes, it runs on blockchain rails. Instant. No intermediaries. No single point of failure. No unnecessary fees. On top of that? Innopay is independent and it is one of the reasons why it is resilient. Take the recent case of French ICC judge Nicolas Guillou. After being placed under U.S. sanctions, he found himself unable to use most credit cards, with bookings cancelled and payments refused, not only abroad, but here in Europe, simply because global payment networks rely heavily on American intermediaries. It’s a stark reminder: when your access to payment rails depends on external actors, everyday life can change overnight. With Innopay, payments don’t rely on a single company, country, or card scheme. They rely on open, decentralized infrastructure. That means: - no card required - no fragile intermediaries - continuity, even when traditional rails fail And it is already working, here, in Luxembourg! Tonight, come see it in action! 🧡 We’re meeting for Letz OffChain at Le Croque Bedaine. Innopay is more than live; you can order from the menu, pay with crypto, and experience it yourself. Curious? Come try it. See you tonight. 🧡

Tomorrow. 19:00. Letz OffChain. At Le Croque Bedaine! And yes, Tuesday is the new Thursday. 🧡 Great food. Good drinks. And the OffChain family ready to welcome you. This time, there’s an extra reason to join: Innopay is fully live at Le Croque Bedaine, including the possibility to order directly from the menu and pay with crypto. Sit down, order, pay with Innopay, get cashback and experience the future of payments at your table. And pay with ... your credit card 💳! Of course, if you have a wallet, you can also pay with crypto! Curious? This is the perfect night to try. And as always, the conversations will go everywhere! Last time at Croque, we ended up deep-diving into Liberland; what it is, what it stands for, and what it teaches us about governance and freedom. Who knows where tomorrow will take us? AI evolution. Robotics. Crypto and market sentiment. Bitcoin cycles. Or simply life, stories, and unexpected lessons. Because Letz OffChain is people. We share experiences. We tell our stories. We learn from each other. We grow together. Ready? We are. Join us tomorrow. You won’t regret it. 🧡 19:00 · Le Croque Bedaine 🧡 Because Tuesday is the new Thursday! 🧡

Sometimes, the biggest shifts hide in the smallest lines. The SEC has just issued guidance reducing the broker-dealer capital “haircut” on stablecoins from 100% to 2%, effectively treating them more like money market funds on balance sheets. For most people, that sounds like technical noise. For markets, it can mean the difference between “don’t touch this” and “let’s build on it.” Until now, holding stablecoins could penalize broker-dealers in their capital calculations. Today, that operational barrier just became… negotiable. And this is the part we often overlook: Innovation doesn’t only depend on technology, but also on how regulators interpret the details. The devil is rarely in the headlines. It lives in footnotes, ratios, definitions; the kind of “boring” details that decide whether a business model thrives or never leaves the whiteboard. Which naturally raises a question closer to home: What will the guidance look like in Europe? How will the CSSF interpret similar questions? Because in practice, a single line in a regulatory framework can unlock an ecosystem, delay adoption by years or quietly push innovation elsewhere. Not everything that shines is gold and not every regulation that looks strict is hostile. But understanding the nuance is no longer optional. If this moment teaches us anything, it’s that informed participants shape the future while passive observers inherit it. So read the details. Ask the questions. Think for yourself. The future of finance won’t be decided only by code. It will be decided in the margins of policy.