Latest EURC (EURC) Price Analysis

Deep Dive

1. New Banking Competition (Bearish Impact)

Overview: Nine major European banks – including ING, UniCredit, and Raiffeisen – announced a joint Euro-pegged stablecoin initiative on 25 September 2025, targeting a 2026 launch under Dutch Central Bank oversight (Bitget News).

What this means: The news introduces credible competition to EURC, which currently dominates the €540M euro stablecoin market. Investors may be pricing in reduced future demand for EURC as institutional adoption shifts toward the bank-backed alternative.

What to watch: Regulatory approval timelines for the consortium’s e-money license and EURC’s Q4 adoption metrics.

2. Technical Rebalancing (Mixed Impact)

Overview: EURC’s RSI14 dipped to 41.82 (neutral: 30-70 range), while its price briefly tested the 1.16 Fibonacci support level before recovering to $1.17.

What this means: While EURC is designed to maintain a 1:1 euro peg, minor deviations can occur during liquidity crunches. The dip below the 50% Fibonacci retracement ($1.17) likely triggered automated sell orders from algo traders, exacerbating the drop.

3. Market-Wide Liquidity Drain (Neutral Impact)

Overview: The total crypto market cap fell 1.75% to $3.75T, with altcoin liquidity pressured by rising BTC dominance (+0.3% to 58.19% in 24h).

What this means: Even stablecoins like EURC can experience temporary outflows during broad market pullbacks, as investors rotate into cash or Bitcoin. However, EURC’s -0.4% move was milder than the average altcoin’s -2-3% decline.

Conclusion

EURC’s dip reflects a combination of competitive threats and macro-driven liquidity shifts rather than fundamental issues with its euro peg. The stablecoin’s 24h trading volume surged 23% to $58.6M, suggesting strong absorption of selling pressure. Key watch: Whether EURC’s circulating supply (currently $260M) contracts in October as users assess the bank consortium’s progress.

Deep Dive

1. MiCA-Driven Adoption (Bullish Impact)

Overview: Europe’s Markets in Crypto-Assets (MiCA) regulation, fully enforced since 2024, requires stablecoin issuers to hold 60%+ reserves in EU-regulated banks. Non-compliant rivals like USDT are being phased out on platforms like Kanga.Exchange, while EURC – fully MiCA-compliant – gains market share.

What this means: As the largest regulated euro stablecoin, EURC is becoming the default Euro on-ramp for EU crypto users. For example, Bybit is migrating all EU client EUR balances to EURC by September 30, 2025, directly increasing demand.

What to look out for: Further exchange delistings of non-MiCA stablecoins before the December 2025 compliance deadline.

2. Visa & Payment Rail Expansion (Bullish Impact)

Overview: Visa added EURC to its blockchain settlement platform on August 31, enabling EUR-denominated transactions across Stellar and Avalanche. This follows Ivy’s July integration of EURC for instant Eurozone payments.

What this means: Institutional adoption is accelerating – Visa’s network processed $12.1T in 2024, and even minor EURC usage here could meaningfully increase circulation. The 24h price rise coincided with a 108% spike in EURC trading volume to $51M, suggesting real-world utility driving buys.

3. Technical Stability Signals Holding (Neutral/Bullish)

Overview: EURC trades above all key moving averages (7-day SMA: $1.18, 200-day EMA: $1.14), with RSI-14 at 57.24 – neutral territory. The MACD histogram (-0.000076) shows minimal bearish momentum.

What this means: While EURC is designed to peg to €1, its slight premium in USD terms ($1.18 vs €1 = $1.17) may reflect both Euro strength and organic demand. The technical floor appears solid near $1.17 (50% Fibonacci level).

Conclusion

EURC’s gains reflect its strategic position as Europe’s regulated stablecoin leader, amplified by Visa’s infrastructure adoption and DeFi yield opportunities. While minor USD/EUR fluctuations explain part of the move, the core driver is structural demand from MiCA’s regulatory moat.

Key watch: Can EURC hold above $1.17 if the Euro weakens? Monitor ECB policy signals and the EUR/USD forex pair for divergence clues.