Fiat Republic

Fiat Republic is a Banking-as-a-Service (BaaS) platform founded in 2021, headquartered in London, UK. On a mission to bridge the gap between traditional banking and the crypto industry, Fiat Republic offers a Banking and Payments API that enables crypto platforms to embed and automate fiat flows for their end-users and internal treasury teams. Regulated as an electronic money institution by the UK Financial Conduct Authority (FCA), the Dutch Central Bank, and registered as a Money Services Business in Canada and the US, Fiat Republic operates with a strong multi-jurisdictional compliance posture.

Core Products/Services

Fiat Republic's flagship offering is its Banking and Payments API, which provides crypto businesses with single-integration access to:

• EagleNet – A proprietary closed-loop instant payment network enabling real-time fiat settlements 24/7/365, bypassing traditional SWIFT/SEPA delays and fees. Built on MiCA-approved stablecoins, EagleNet connects crypto platforms and liquidity providers within a compliant, trusted ecosystem.
• Virtual IBANs – Named individual virtual accounts for end-users, eliminating reference-based reconciliation and enabling automated transaction matching.
• Global Fiat Rails – Access to major payment networks including SEPA Instant, Faster Payments (FPS), CHAPS, BACS, Fedwire, and ACH, covering GBP, EUR, USD, and AUD.
• Cash Management / Treasury Management – Multi-currency treasury automation, real-time FX conversion, and liquidity transfer tooling.
• Oxygen – An embedded compliance tool for real-time transaction monitoring, sanctions screening, and risk management.
• Consortium / Regulatory Advocacy – Membership in EagleNet includes participation in a collective that advocates for fair crypto banking access with regulators and banks.

Key Strengths

Fiat Republic differentiates itself through its compliance-first architecture. Rather than offering a fragile single-bank relationship, the platform provides access to a diversified network of banking partners, significantly reducing debanking risk for crypto businesses. The single API integration reduces time-to-market from months to days, while EagleNet's internal processing eliminates traditional payment rail fees entirely for eligible transactions.

The company holds FCA authorisation (FRN 900524) and Dutch Central Bank (DNB) authorisation as an electronic money institution, providing clients with a regulated, trusted infrastructure partner across key European and global jurisdictions.

Notable Clients/Projects

Fiat Republic serves crypto exchanges, wallets, and other crypto platforms seeking stable fiat access. Their client base faces the common challenge of debanking and restricted fiat access, which EagleNet and their banking partner network directly addresses.

Why Choose Fiat Republic

For crypto businesses struggling with banking restrictions, manual reconciliation overhead, and regulatory uncertainty (particularly post-MiCA), Fiat Republic provides a single, compliant integration point for all fiat banking needs. With 24/7 instant settlements, automated reconciliation, multi-currency support, and built-in compliance monitoring, Fiat Republic enables crypto platforms to focus on growth rather than banking infrastructure.