Fipto

Fipto is a Paris-based stablecoin payments company that provides enterprise infrastructure for moving money across both fiat and blockchain rails from a single, regulated platform. Founded in 2022, it targets payment service providers, crypto brokers, institutional fund managers, and corporate treasury teams that need to execute cross-border settlements at scale without stitching together separate fiat and crypto providers.

The platform's core value proposition is unification: a business can send payouts globally via SEPA, SWIFT, or stablecoin; accept inbound payments through hosted payment links with automatic fiat conversion; hold multi-currency balances across named EUR and USD IBANs and segregated crypto wallets; convert between currencies and on-ramp or off-ramp stablecoins — all through one REST API with webhook support and a web application interface. The API is idempotent and paginated, has sandbox parity with production, and Fipto reports 99.97% uptime across a 90-day measurement window.

Supported Networks and Assets

Fipto supports stablecoin transfers on three blockchain networks: USDC on Solana, USDC and EURC on Base, and EURC on Ethereum. On the fiat side, the platform routes through SEPA and SWIFT, enabling it to bridge traditional banking and on-chain settlement within a single transaction flow. The stablecoin layer acts as the settlement medium — funds arrive via fiat, move as stablecoins during transit, and convert back to fiat on delivery, or remain as stablecoins at the counterparty's election.

Regulatory Standing

Fipto's regulatory position is its most distinctive feature in the European market. Fipto PI SAS holds a Payment Institution license from the French Prudential Control and Resolution Authority (ACPR), operating under interbanking code CIB 17908. In January 2026, the French Financial Markets Authority (AMF) granted Fipto a Crypto-Asset Service Provider (CASP) license under MiCA, authorization number A2026-009 — making Fipto the first European payment provider to hold both authorizations simultaneously.

The dual-license structure matters operationally. A PI license covers the fiat leg of a payment: SEPA and SWIFT transfers, IBANs, and currency conversion. A MiCA CASP license covers the digital-asset leg: stablecoin custody, transfers, and on/off-ramp services. Holding both eliminates the need for a corporate client to route through two separate regulated entities and means Fipto can manage the complete transaction lifecycle — fiat receipt, stablecoin issuance, on-chain transfer, stablecoin redemption, and fiat delivery — under a single compliance framework.

The company also holds ISO/IEC 27001:2022 certification for information security, applies full AML/CFT and KYC obligations to all client onboarding, complies with the EU Travel Rule for digital asset transfers, and has implemented Verification of Payee (VoP) for euro beneficiaries under the EU's anti-fraud standards.

Product Suite

The platform is organized around four functional modules:

Send covers outbound payouts to third parties, available 24/7 via fiat or stablecoin rails. Batch payment functionality allows hundreds of transfers to be submitted as a single file — relevant for payroll processors, merchant acquirers, and fund administrators.

Receive provides payment links that accept inbound funds and optionally auto-convert to fiat, removing the need for a recipient to hold stablecoins.

Manage offers named multi-currency accounts with individual EUR and USD IBANs visible to counterparties, alongside segregated crypto wallets. Fipto reports that 100% of client funds are held in segregated accounts.

Convert delivers instant foreign exchange between supported currency pairs and stablecoin on/off-ramp services, with quoted rates confirmed before execution.

In March 2026, Fipto launched an Automations module that allows clients to configure rule-based workflows for recurring treasury operations — for example, auto-converting stablecoin receipts to fiat when a wallet balance crosses a threshold, or triggering payouts on a schedule. The feature is aimed at treasury and finance teams that manage high volumes of repetitive flows.

Key Partnerships and Deployments

Fipto has built a roster of integration partners across payment networks, enterprise software, and institutional services: TerraPay, Worldline, Ledger, PawaPay, Circle, Kyriba, Fireblocks, Sparkcore, Pandascore, Argo Freight, and Melanion Digital. The company states it operates with more than 20 liquidity partners.

Several of these have moved beyond commercial agreements to production deployments. In 2025, Fipto integrated with Kyriba, a treasury management system used by large corporate finance teams, giving CFOs direct access to stablecoin settlement from within their existing cash management software. In June 2026, Ledger and Mantu deployed live stablecoin payment workflows within Kyriba using Fipto's infrastructure.

In February 2026, Fipto partnered with Avenia to open a bidirectional EUR/BRL payment corridor that runs on stablecoin rails. The corridor operates 24/7 and eliminates the 3-5 day settlement delays typical of correspondent banking on that route. Fipto provides the regulated European gateway and stablecoin infrastructure; Avenia provides local Brazilian payment rails and liquidity access.

In July 2026, Melanion Digital integrated Fipto to enable stablecoin subscriptions for its Luxembourg-based Sigma Market Neutral Fund, making stablecoin an accepted subscription currency for an institutional investment product.

Use Cases

Fipto's documentation and customer examples reflect several recurring patterns. Payment service providers use it to settle with merchants in stablecoins rather than holding fiat overnight. Crypto brokerages use it to move large sums between client accounts and external counterparties across fiat and on-chain simultaneously. Global enterprises use it to pay contractors in countries where correspondent banking is slow or expensive. Institutional fund managers use it for subscription and redemption workflows in fund vehicles that accept digital assets.

CEO and Co-founder Patrick Mollard has characterized the regulatory milestone as both a competitive differentiator and a market signal: "Achieving MiCA license is more than a regulatory milestone; it is proof that our infrastructure matches the rigor of the world's most established financial institutions." The company views the July 2026 deadline for full MiCA compliance across Europe as a catalyst for enterprise adoption, having positioned itself ahead of that deadline with its dual-license structure.

Fipto reports 40 or more individual security controls across its platform in addition to its ISO certification, and the combination of ACPR and AMF authorization gives the company EU-wide passporting rights for cross-border operations within the bloc.