Fipto

Fipto is a French fintech company that provides regulated payments infrastructure for businesses that need to move money across borders using stablecoins alongside traditional fiat rails. Founded in 2022 and incorporated as Fipto PI SAS in France, the company operates under dual licensing from French financial regulators and describes itself as Europe's first dual-licensed stablecoin payment institution. Its platform is aimed at B2B clients — payment service providers, crypto brokers, and enterprises — rather than retail consumers, and it explicitly positions itself as usable without any crypto expertise on the client side.

What Fipto Does

Fipto gives businesses a single integration point for both fiat and stablecoin payments. Through its platform, clients can send, receive, hold, and convert funds globally, with settlement running 24 hours a day rather than being constrained to banking hours. A named EUR or USD IBAN handles the fiat leg while on-chain stablecoin transfers handle the digital asset leg. The platform connects both seamlessly, so a payment can enter as euros through a bank transfer and exit as USDC on Solana — or vice versa — within a single workflow.

The practical applications include cross-border treasury management for enterprises, merchant settlement optimization for payment service providers, and liquidity access for crypto brokers running brokerage operations. Testimonials from TerraPay (global payout network), Pandascore (esports data), and Argo Freight (logistics) indicate the platform has been adopted across a range of industries.

How It Works

Fipto is built on a REST API following OpenAPI 3.0 standards, with a web dashboard available for teams that prefer a manual interface. Once integrated, clients can:

• Execute single transfers or batch payments covering hundreds of transactions simultaneously
• Create payment links and manage multi-currency accounts across EUR, USD, and supported stablecoins
• Perform instant foreign exchange conversion between fiat and digital assets
• Configure rule-based automation workflows for recurring treasury flows — a feature launched in March 2026
• Initiate and receive SEPA Instant payments in real time

The company reports 99.97% platform uptime measured over a 90-day period. Client funds are held in 100% segregated accounts, meaning Fipto does not commingle client assets with its own operational funds.

Supported Assets and Blockchain Networks

Fipto's stablecoin support is built around Circle's regulated offerings. As of 2025, the platform supports:

• USDC on Solana: Native support for USD Coin on the Solana blockchain
• USDC and EURC on Base: Circle's dollar and euro stablecoins on Coinbase's L2 network
• EURC on Ethereum: Euro Coin on Ethereum mainnet

The expansion to Solana, Base, and additional stablecoin pairs was a key product milestone highlighted in Fipto's 2025 year-in-review. Fiat coverage runs through named EUR and USD IBANs, with on/off-ramp capability bridging stablecoin and conventional bank account flows.

Regulatory Status and Security

Fipto holds two licenses from French regulators, which together constitute what it claims is Europe's first dual-licensed status for a stablecoin payment institution:

• Payments Institution (PI) license from the Prudential Control and Resolution Authority (ACPR), authorization code 17908
• MiCA CASP license from the Financial Markets Authority (AMF), authorization number A2026-009, secured in January 2026

The MiCA (Markets in Crypto-Assets Regulation) license came into force when the EU's comprehensive crypto regulatory framework took full effect in December 2024. Holding both licenses simultaneously allows Fipto to operate across the traditional banking and digital asset regulatory perimeters without ambiguity.

Security certifications include ISO 27001:2022, and the platform enforces over 40 controls covering continuous AML/CFT transaction screening, beneficiary whitelisting, multi-signature authentication, two-factor authentication, and EU Travel Rule compliance. A Verification of Payee (VoP) feature launched in 2025 adds fraud prevention by confirming recipient identity before transfers are authorized.

Partnerships and Integrations

Fipto has built integrations across both traditional finance infrastructure and crypto-native platforms:

• Circle: Primary stablecoin issuer for USDC and EURC
• Fireblocks: Digital asset custody and transfer security
• Kyriba: Integration enabling stablecoin payments natively within Kyriba's treasury management system, used by enterprises including Ledger and Mantu
• Worldline: Strategic partnership to integrate stablecoins into European and Asia-Pacific payment settlement, announced November 2025
• TerraPay: Stablecoin-native flows across TerraPay's global payout network
• Ledger: Hardware security for enterprise custody
• PawaPay: African mobile money connectivity
• Avenia: Two-way EUR/BRL stablecoin corridor for European-Brazilian cross-border transactions, launched February 2026
• Melanion Digital: Stablecoin settlement for institutional fund subscriptions in Luxembourg, live July 2026

Solana Ecosystem Fit

Fipto's connection to Solana is as a regulated fiat-to-stablecoin gateway that settles transfers natively on-chain. By supporting USDC on Solana, the platform allows institutional and enterprise clients to route cross-border payments through Solana's network, benefiting from its throughput and low per-transaction cost while remaining inside a fully regulated European framework. This makes Fipto part of the institutional infrastructure layer that treats Solana as a settlement rail rather than a speculative vehicle.

Fipto does not issue its own token, does not operate a protocol or smart contract system on Solana, and does not offer yield or staking. Its relationship with the Solana ecosystem is entirely as a regulated payment router that uses Solana for fast, low-cost stablecoin movement between businesses.

Team and Company

Fipto was founded in 2022 and is headquartered in France. Blog content is primarily authored by Mathieu Jalve and Patrick Mollard; the company does not publish individual executive bios or a public founding team roster. Its compliance posture — dual French regulatory licensing, ISO 27001 certification, and MiCA authorization — provides third-party validation that the operation is fully operational and has passed regulatory due diligence. As of mid-2026, Fipto continues to expand its product surface (Automations, batch payments, VoP) and geographic reach (EUR/BRL corridor, Asia-Pacific via Worldline), consistent with a growth-stage company scaling regulated stablecoin infrastructure.