Fiat & Stablecoin OTC Conversion

Fipto's OTC Solutions enable enterprises to convert between fiat currencies and stablecoins with minimal slippage, transparent pricing, and 24/7 availability — fully compliant under EU regulation.

Product Overview

Fipto offers two complementary OTC conversion channels designed for different trade profiles. The eOTC (Electronic OTC) channel provides 24/7 self-service conversions executed in seconds at best market rates, with degressive volume-based fees and API integration for automated treasury workflows. The OTC Desk serves high-volume institutional clients with custom quotes, negotiated rates, no order size limit, and a dedicated account manager accessible by direct phone line.

Conversion infrastructure spans 30+ currencies and is embedded across Fipto's full product suite, including Multi-Currency Business Accounts (with real-time fiat-to-stablecoin conversions across Ethereum, Polygon, Arbitrum, Optimism, and Base) and the Payments API (eOTC exposed programmatically for automated treasury rebalancing and crypto broker platforms).

Key Features

• eOTC: 24/7 self-service fiat/stablecoin conversions with tight spreads and minimal latency
• OTC Desk: High-volume institutional trading with custom pricing and no order size cap
• 30+ currency coverage including deep EUR on/off-ramp and crypto-to-crypto pairs
• API-accessible conversion workflows with Kyriba treasury management integration
• Payment rails: SEPA Instant, SEPA Credit Transfer, and SWIFT (USD)
• Stablecoin support: USDC and EURC across major EVM networks

Use Cases

Fipto's OTC conversion product is used by PSPs, crypto brokers, fintech platforms, and enterprise treasury teams that need to move between fiat and digital assets at scale. Clients such as TerraPay, Circle, and Kyriba use Fipto to power stablecoin-native cross-border payment flows and real-time treasury rebalancing with full regulatory cover.

Compliance

Fipto holds both a Payment Institution license (ACPR) and a MiCA CASP license (AMF) — making it Europe's first provider with dual fiat and digital asset regulatory status. Infrastructure is ISO 27001:2022 certified with continuous AML/CFT monitoring and 100% segregated client funds.