Fipto is a regulated payment infrastructure that helps businesses send and receive payments instantly, securely, and compliantly, through platform or API.
Built for modern companies operating across borders, Fipto provides a unified platform combining multi-currency IBANs, crypto wallets, stablecoin rails, and an API-first architecture.
Why Businesses Use Fipto
Fipto solves the most pressing challenges companies face with international payments:
- Delayed settlements: Traditional bank wires take days. Fipto processes payments in seconds, 24/7.
- High FX costs: Fipto enables smart conversions between fiat and stablecoins at competitive rates.
- Compliance friction: KYC, KYB, and transaction monitoring are built-in and fully transparent.
- Lack of transparency: Track and reconcile all transactions in real-time.
- Banking limits: Fipto lets businesses operate in stablecoins even when local banking infrastructure falls short.
Who Fipto Is For
Fipto is trusted by:
- Payment Service Providers (PSPs) handling global merchant payouts
- Brokerage platforms managing multiple currencies and liquidity partners
- Digital businesses operating in emerging markets with limited banking access
- Finance teams looking to optimise cross-border money movement or intra-group treasury flows
What Makes Fipto Different
- Regulated: Fipto has a unique regulatory framework, being registered as a VASP in France and Luxembourg, and holding a Payment Institution license from the ACPR in France, part of Banque de France.
- Stablecoin-first: Supports major stablecoins like USDC, EURC and EURCV for seamless money movement.
- Fiat + Crypto in one place: Combine IBAN accounts in EUR/USD with crypto wallets under one roof.
- Real-time FX & eOTC: Convert currencies instantly across fiat and digital assets at the best rates using a self-service electronic OTC or our OTC desk, small or large orders.
- API-First Design: Automate payments, conversions, and reconciliations from your own systems.
Common Questions About Fipto
Can I use Fipto to pay contractors and suppliers in stablecoins?
Yes. You can send stablecoin payments globally, with full compliance, and settle in seconds—not days.
Does Fipto support EUR accounts?
Yes. Fipto provides named IBANs in EUR alongside stablecoin wallets.
Is Fipto compliant with EU regulations?
Absolutely. Fipto holds a Payment Institution licence from the ACPR in France and is also a registered Virtual Asset Service Provider (VASP) in both France (AMF) and Luxembourg (CSSF), operating under full European compliance frameworks.
Which stablecoins does Fipto support?
Currently: USDC, EURC, EURCV—with more being added regularly.
Can I integrate Fipto into my existing systems?
Yes. Fipto offers a modern API that lets you automate all core actions of your payment workflows.
How is Fipto different from a crypto wallet or exchange?
Fipto is purpose-built for businesses. It combines the compliance of banking with the speed of blockchain and stablecoins.
Learn More
Explore our solutions
Read our latest articles on our blog
Fipto is building the future of business payments.
With compliant stablecoin infrastructure, instant settlement, and API-first design, we help businesses move money faster, cheaper, and more transparently—across borders and blockchains.
.png)
.png)
