Multi-Currency Business Accounts

Fipto provides enterprises with multi-currency business accounts that combine named IBANs, stablecoin wallets, and full treasury management capabilities in one regulated platform — built for PSPs, global enterprises, and crypto brokers that need banking infrastructure that understands Web3 business models.

Product Overview

Fipto is Europe's first payment provider holding both a Payment Institution license (ACPR) and a MiCA CASP license (AMF), enabling end-to-end lifecycle management of fiat and digital asset transactions within a single compliant account. The platform covers inbound and outbound payment flows, real-time treasury visibility, and stablecoin-to-fiat conversion — all accessible via dashboard or API.

Key Features

• Named IBANs in EUR and USD displaying the company's actual business name on all transactions, eliminating verification delays
• Virtual IBANs (vIBANs) for simplified payment reconciliation and tracking
• SWIFT (USD), SEPA Instant (EUR), and SEPA Credit Transfer connectivity
• MPC-secured stablecoin wallets supporting USDC and EURC across Ethereum, Polygon, Arbitrum, Optimism, and Base
• Real-time fiat-to-stablecoin and stablecoin-to-fiat conversions
• Multi-signature controls with user roles, permissions, and dedicated accountant access
• AML/CFT transaction monitoring, beneficiary whitelisting, and batch payment support
• Global Payouts enabling bulk disbursements worldwide via blockchain, SEPA Instant, SEPA Credit Transfer, or SWIFT
• Stablecoin Payment Collection with optional auto-conversion to EUR, eliminating crypto balance sheet exposure

Use Cases

Fipto 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. EUR accounts are typically ready within 72 hours of KYB completion, with most teams processing payments in under a week.