To request an account creation, you can contact us. You can have access to 2 types of environment:
- Demo: an environment where you can test our product. You will get access to both the platform (interface to try out payments and/or conversions), and the API.
- Production: after having tested the product and successfully passed KYB, you will get credentials (platform users and/or API users) to access our production environment.
Ready to get started? Get in touch with us today.
Onboarding timelines vary based on your setup and business type. For corporate clients, once all required documentation is submitted and validated, account opening can be completed in as little as 72 hours.
You have the ability to create an unlimited number of wallets and IBANs. This allows your company to seamlessly segregate funds, reconcile incoming payments, integrate your digital assets into financial reporting, and achieve much more.
Fipto offers two main types of wallets:
- Fiat wallets for traditional currencies
- Virtual wallets for digital or fiat currencies, which generate unique addresses (for crypto) or bank account numbers (for fiat) linked to your main account. They don’t hold funds directly but help simplify reconciliation by assigning dedicated addresses to specific use cases.
You can find the full list of supported currencies here.
Fipto supports a variety of payment networks. Both traditional fiat schemes and crypto blockchains, depending on the currency and corridor.
Supported networks include:
- SEPA & SEPA Instant
- SWIFT
- Local payment rails in over 30 countries (e.g., PIX in Brazil)
- Blockchain networks (e.g., Ethereum, Solana, Polygon)
Not all currencies are supported on both pay-in and pay-out flows. To see the full list of supported currencies and corresponding schemes, see this list.
For Fiat deposits (e.g. EUR)
- Instant SEPA: Deposits appear instantly, within seconds.
Note: Limited to transfers of up to €100,000 per transaction.
- Standard SEPA: Processed within 24 hours on business days.
For cryptocurrency deposits (e.g. BTC)
Cryptocurrency payins are diligently processed within the window of 9am to 6pm (CET) from Monday to Friday. Our teams process these transactions within an hour of receipt. Please be aware that more complex transactions can require additional processing time.
Fipto offers two main conversion solutions:
- eOTC: Instant, automated conversions
- OTC desk: Personalised quotes for high-value trades
Yes. For automated conversions via eOTC, the standard limit is EUR 100,000, which can be increased to EUR 500,000 upon request.
For higher volumes, we recommend using our OTC desk service, which is tailored for large transactions and provides direct phone support from a dedicated expert to ensure optimal execution.
For eOTC conversions, quotes are renewed every 24 hours.
Fipto's OTC solutions support a range of fiat and digital currencies:
*First-party payment only
Yes. Fipto lets you invite additional users and customise roles to delegate tasks and manage activity across your team.
Yes. The read-only access mode is designed for accountants or external collaborators who need to consult account data without being able to initiate any actions.
Account statements are automatically sent to your inbox every month.
Yes. Multi-company management lets you group and access multiple Fipto accounts under a single login. You can switch between entities without logging out, making it easier to oversee several businesses or clients from one place.
Yes, Fipto complies with the Travel Rule by ensuring that identifying information about the sender and receiver is securely shared between Crypto-asset Service Providers (CASPs) to enhance transparency and prevent illicit activities. Learn more here.
As Fipto PI is licensed as a Payments Institution, and Fipto France is registered as a DASP by the French Financial Markets Authority (AMF), they must comply with strict regulatory obligations.
This includes conducting a full Know Your Business (KYB) procedure during onboarding. In parallel, each transaction is monitored in accordance with AML/CFT (Anti-Money Laundering / Countering the Financing of Terrorism) regulations, ensuring that any funds you receive are compliant and do not pose a risk to your business or reputation.
Rest assured, as a licensed Payments Institution, Fipto safeguards client fiat funds in segregated accounts held with regulated banking partners, fully separated from the company’s own operational funds. Digital assets are held in distinct wallets that are isolated from Fipto’s internal holdings.
In the unlikely event of Fipto's discontinuation or liquidation, an appointed liquidator would be responsible for returning client funds. Your assets remain protected and would be duly returned under such circumstances, in accordance with applicable regulations.
Yes. Fipto is the first stablecoin-focused fintech to achieve double regulatory approval in France with (i) a Payments Institution license (ACPR) and (ii) a Digital Asset Service Provider (DASP) registration (AMF).
This dual regulatory status allows us to operate across both fiat and digital assets with full compliance. We are also registered as a VASP in Luxembourg and Switzerland, and partner with a licensed EMI in the Netherlands for fiat account services.
View full licenses details here.
Custody
Holding digital assets is akin to carrying cash in a physical wallet. When managing your personal wallets, establishing secure and intricate processes for safeguarding your private keys becomes necessary. At Fipto, we take care of this task on your behalf, freeing you to concentrate on your core financial endeavors.
Volatility
Digital assets are renowned for their pronounced volatility. Nevertheless, there's no need to hold such volatile assets to harness the benefits of blockchain infrastructure. Fipto handles an array of digital assets, including stablecoins like USDC. This facilitates the transfer of stable value globally – transparently, affordably, and within seconds. The Fipto infrastructure allows you to minimise these risks as much as possible.
Fat finger, wrong recipient address, internal fraud, email hacking, identity theft, mishandling, etc. Fipto's platform empowers you to establish safeguards at every level. Given the highly sensitive nature of digital assets, we've developed a security system that surpasses that of a bank.
Our end-to-end security features include:
- User creation, meticulously secured by our expert team and subject to your validation.
- Flexibility to replicate your internal limit management policy.
- Implementation of double or triple signatures for payment validation. You can easily configure this with your account manager upon account creation.
- Option for whitelisting beneficiaries or specific external wallets.
- Seamless setup of 2FA (Two-Factor Authentication) for secure initiation of payments and beneficiary setup. Your digital asset protection is our top priority.
At Fipto, we give you the opportunity to generate as many wallets and crypto addresses as you want for incoming payments. This allows you to allocate one address to each unique partner or even to each invoice. Outgoing payments are processed from an omnibus account which prevents the recipient from tracking your funds or your wallet balance.
If you simply use a traditional non-custodial wallet, anyone can track your transactions on the blockchain. This means that anyone who knows your wallet address (such as your suppliers or clients) will be able to see all of your transactions, including your balance and the details of each transaction.
With Fipto, you can maintain your privacy and security by using separate wallets for each partner or invoice. This way, your recipients will only be able to see the transactions that relate to them, and they will not be able to track your overall balance or transaction history.
Here are some of the benefits of using Fipto's omnibus account for outgoing payments:
- Privacy: Your recipients will not be able to track your funds or your wallet balance.
- Security: Your funds are held in a secure account that is not linked to your individual wallet addresses.
- Convenience: You can easily manage your outgoing payments from a single account.