Accounts

One multi-currency stablecoin business account to send and receive payments globally

Orchestrate global payments across fiat and stablecoin rails in one secure, compliant platform.

Balance
USD
0
Send
Receive
Convert

+ New wallet

Convert
From
To

Convert

Benefits

One business account to pay and get paid globally

STABLECOIN PAYMENT IBAN EUR USD

Your business name on every payment

Eliminate verification delays with payments bearing your official business identity.

Named IBANs in EUR & USD
Fully segregated funds
Virtual IBANs for simplified payment tracking
SWIFT SEPA PIX BLOCKCHAIN STABLECOINS

Orchestrate payments globally

Route payments flexibly across payment systems and blockchains to optimise speed and cost.

SWIFT for USD transactions
SEPA instant payments in EUR
Multi-blockchain support
Conversion USD EUR STABLECOINS

Convert across fiat and stablecoins

Optimise treasury without forced conversions by using the optimal currency for each transaction.

Multi-currency wallet system
Real-time conversions between fiat & stablecoins
OTC desk for large transactions
Customers

Trusted by teams moving money globally.

Ledger pays its suppliers in USDC, synced straight to its ERP.
+

“We save 15 minutes per payment by eliminating breaks in the process. Everything is now seamless, digital and automatically synced.”

15 minutes
saved per payment
Minutes
to settle, instead of 2 to 5 business days
In Kyriba
initiated and reconciled in its treasury system
Read the story ›
TerraPay brings stablecoin-native flows to its global payments network.
+
City lights seen from orbit at night

“Stablecoin-native flows are a natural next step: they support us to bring more speed, efficiency and flexibility to our global payments network. Partnering with Fipto ensures we do this securely and compliantly, while paving the way for the next phase of cross-border payments.”

Cross-border payouts
Use case
Global payments network
Customer
Read the story ›
PandaScore gets paid instantly by international clients with Payment Links.
+

“In under 5 minutes, we can create and send a payment link to our international clients to be paid instantly and seamlessly, without having to be exposed to crypto. Payment links are extremely easy to use and Fipto takes care of everything behind the scenes, making it a hassle-free transition for us.”

Under 5 minutes
to create and send a payment link
Payment Links
Product used
Mantu moves cash between its European and Colombian entities in minutes, at around 1% total cost.
+
Aerial view of Bogotá with mountains in the background

Mantu, a global consulting group with €1bn in revenue across 60 countries, runs its intercompany treasury transfers between Europe and Colombia on Fipto's regulated stablecoin rails. Payments are initiated and reconciled directly in Kyriba, with no change to existing workflows.

~1% total cost
vs 3 to 5% on traditional corridors
Minutes
instead of 2 to 5 business days
60 countries
where the group operates
Read the story ›
Features

Global accounts

Fipto provides a single interface to manage payments. Our infrastructure is built for speed so that money movement feels instant and simple.

Accounts

Named IBANs (EUR, USD) with unlimited vIBANs for reconciliation
Rails: Blockchain (instant, 24/7), SEPA Instant (instant, 24/7), SEPA Credit Transfer (T+0), SWIFT (T+0–T+2)
Account statement CSV exports
EURC stablecoin payment B2B
USDC stablecoin payment B2B

Stablecoin Wallets

Secure MPC technology wallets
Support for top stablecoins across major blockchains

Ethereum

Polygon

Arbitrum

Optimism

Base

Conversions

Convert between fiat and stablecoins
OTC Desk (RFQ by phone)
eOTC (self‑service, 24/7)
OTC Solutions

Advanced Features

Security & Compliance

Treasury Management

Payments & conversions

Security and compliance

Compliance at the core of a unique regulatory framework

Fipto meets the highest compliance and security standards to help reduce compliance burdens and counterparty risks.

Licensed

Fipto is Europe’s first payment provider to hold both a Payment Institution licence for fiat and a MiCA CASP licence for digital assets, powering the end-to-end transaction lifecycle.

Secure

ISO 27001 certified
Continuous AML/CFT transaction monitoring
Fully segregated funds

Travel Rule compliance on every crypto-asset transfer

Wallets and beneficiaries screened before funds leave

Use Cases

Tailored to businesses

Beyond core payments, Fipto is built with enterprise-grade features to simplify treasury operations, strengthen governance, and ensure compliance. Everything you need to run global transactions with confidence.
STABLECOIN PAYMENT IBAN EUR USD

PSPs

Accelerate merchant payouts and expand global coverage without managing multiple banking relationships.
Learn more
STABLECOIN SETTLEMENT IBAN EUR USD

Global Enterprises

Eliminate correspondent banking delays and streamline treasury operations across currencies and regions.
Learn more
STABLECOIN PAYMENT BROKER

Crypto Brokers

Scale your brokerage operations and reduce integration costs while accessing top-tier banking and liquidity partners.
Learn more

Frequently asked questions

Why should I choose Fipto over traditional banks?

What makes your accounts "named" and why does this matter?

What compliance and security measures protect my funds?

How quickly can I start processing payments?

Ready to get started?

Book a demo to see Fipto in action, or explore the API and start building today.

Licensed in Europe

An ACPR-authorised payment institution and a MiCA-licensed CASP, with client funds fully segregated.

Compliance centre

Built for developers

Clear guides, a complete API reference and the Fipto MCP server for AI agents.

Explore the guides