Fipto

Fipto is a Paris-based enterprise stablecoin payments infrastructure company founded in 2022. Operating as Europe's first payment provider to hold both a Payment Institution license (ACPR) and a MiCA CASP license (AMF) for digital assets, Fipto is redefining how businesses move money globally by replacing fragmented traditional banking infrastructure with a modern, programmable layer powered by blockchain and stablecoins.

Core Products/Services

Fipto offers a unified platform for global B2B payment operations across fiat and stablecoin rails:

• Global Payouts (Send): Issue fiat and stablecoin payouts to merchants and partners worldwide 24/7/365 via SWIFT, SEPA Instant, SEPA Credit Transfer, and blockchain rails. Supports bulk payouts via file or API, with built-in FX engine and AML/CFT compliance controls.
• Payment Collection (Receive): Accept stablecoin and fiat payments globally through a single account, with optional auto-conversion to EUR via Payment Links. Enables businesses to collect crypto payments without crypto exposure.
• Multi-Currency Business Accounts: Named IBANs in EUR and USD, stablecoin wallets secured with MPC technology across Ethereum, Polygon, Arbitrum, Optimism, and Base. Supports virtual IBANs for reconciliation, batch payments, and real-time treasury management.
• OTC Conversions: Fiat-to-stablecoin and stablecoin-to-fiat conversions via two channels — eOTC (electronic, self-service, 24/7) and OTC Desk (high-volume, voice-based with dedicated account manager). Covers 30+ currencies with tight spreads and no hidden fees.
• Payments API: RESTful API enabling developers and businesses to embed Fipto's payment infrastructure directly into their platforms. 99.97% average uptime, full API documentation, and webhooks for workflow automation.
• Fipto MCP (Model Context Protocol): An AI agent orchestration layer enabling AI systems to interact with the Fipto API — read wallet balances, transaction histories, and currency positions (Phase 1), with full payment orchestration capabilities coming in Phase 2.

Key Strengths

Fipto's primary differentiator is its dual regulatory status as Europe's first payment provider holding both fiat (Payment Institution via ACPR) and digital asset (MiCA CASP via AMF) licenses, enabling end-to-end transaction lifecycle management. Additional strengths include:

• ISO 27001:2022 certification and continuous AML/CFT transaction monitoring
• 20+ liquidity partners for competitive FX and deep liquidity
• 100% segregated client funds with institutional-grade banking partners
• T+0 settlement (most payments completed within 60 minutes)
• 24/7/365 availability — no batch cycles, no downtime
• API-first architecture enabling full workflow automation

Notable Clients/Projects

Fipto serves PSPs, crypto brokers, and global enterprises including TerraPay (stablecoin-native cross-border payment flows), PawaPay, Circle, Kyriba (treasury management integration), Fireblocks, Sparkcore, Chainalysis, and Pandascore.

Why Choose Fipto

Fipto solves the core pain points of international treasury operations: settlement delays (up to 5 days with traditional banking), trapped capital, poor payment visibility, high costs from intermediary markups, and weekend/holiday limitations. By using stablecoins as a universal settlement layer and connecting fiat rails with digital wallets in a single compliant platform, Fipto enables businesses to operate globally with instant, transparent, and cost-efficient payments. It is purpose-built for PSPs, crypto brokers, fintech platforms, and enterprise treasury teams that require both fiat and digital asset capabilities under one regulated roof.