Frequently asked questions

Fipto is the modern infrastructure for B2B payments and treasury, powered by stablecoins. Fipto enables global companies to send, receive, and manage funds with near-instant settlement and 24/7 availability. By facilitating global money movement through regulated, programmable infrastructure, Fipto helps businesses optimise capital mobility and transparency. Fipto is available through API, web platform, or Treasury Management Systems (TMS) such as Kyriba.

Fipto's mission is to transform how businesses move money globally by replacing the fragmented infrastructure of traditional banking with a modern, programmable infrastructure powered by blockchain and stablecoins. Designed for speed, transparency, and compliance, Fipto's platform enables payments that settle in minutes rather than days, at a fraction of the cost of traditional international transfers, with 24/7/365 availability and without dependency on bank operating hours. More about our mission and vision

Fipto serves a large segment of companies: Payment Service Providers (PSPs), large enterprises, crypto brokers, funds, and more. PSPs leverage Fipto to offer instant global settlement to their merchants, optimise intercompany transfers, and increase global coverage. Large enterprises use Fipto to manage treasury operations and cross-border payments at scale. Crypto brokers use Fipto to access institutional liquidity, OTC quoting and settlement capabilities, and multi-currency account infrastructure.

Fipto PI SAS is a company incorporated in France (company number 929 508 893). Fipto operates under the oversight of French financial regulators — the AMF (Autorité des Marchés Financiers) and the ACPR (Autorité de Contrôle Prudentiel et de Résolution), which is part of the Banque de France. Fipto's regulatory licences cover operations across the European Economic Area under the passporting provisions of EU financial services law. View license details in our compliance center

Unlike traditional payment providers that rely on correspondent banking networks, Fipto uses stablecoin rails on public blockchain infrastructure to enable real-time settlement 24 hours a day, 365 days a year. Traditional cross-border payments can take between one and five business days and are subject to multiple layers of fees, limited payment status visibility, and restricted operating hours. Fipto eliminates these friction points with regulated, programmable infrastructure that settles transactions in minutes, provides full payment status transparency, and operates continuously — including weekends and bank holidays.

Yes. Fipto PI SAS holds two distinct regulatory licences in the European Union. It is licensed as a Payments Institution (interbanking number CIB 17908) by the ACPR (Autorité de Contrôle Prudentiel et de Résolution), part of the Banque de France. It is also licensed as a Crypto-Assets Services Provider (CASP) under authorisation number A2026-009 by the AMF (Autorité des Marchés Financiers). This dual licensing makes Fipto Europe's first payment provider to hold both a Payment Institution licence for fiat and a MiCA CASP licence for digital assets, covering the full end-to-end transaction lifecycle. View license details in our compliance center

MiCA (Markets in Crypto-Assets Regulation) is the European Union's comprehensive regulatory framework governing the issuance and provision of services related to crypto assets, including stablecoins. It came into full effect in December 2024 and represents the first harmonised regulatory framework for crypto assets across EU member states. MiCA establishes clear licensing requirements for crypto-asset service providers, introduces consumer and investor protections, and mandates standards for transparency, governance, and financial stability. For businesses, working with a MiCA-licensed provider such as Fipto provides the assurance that their counterparty operates within a clearly defined and enforced regulatory framework.

A CASP (Crypto-Asset Service Provider) licence is issued under the MiCA (Markets in Crypto-Assets Regulation) framework to entities that provide services involving crypto assets, including custody, exchange, and transfer of crypto assets. Fipto PI SAS holds a MiCA CASP licence under authorisation number A2026-009, granted by the AMF (Autorité des Marchés Financiers) — the French Financial Markets Authority. This licence is one of the first issued in Europe under the MiCA framework and enables Fipto to provide regulated digital asset services across EU member states.

A Payment Institution (PI) licence is a regulatory authorisation under PSD2 (the EU's Second Payment Services Directive) that permits a company to provide payment services — including credit transfers, direct debits, and payment account management — across the European Economic Area. Fipto PI SAS holds a Payment Institution licence under interbanking code CIB 17908, issued by the ACPR (Autorité de Contrôle Prudentiel et de Résolution), the French banking and insurance supervisory authority. This licence enables Fipto to operate named EUR and USD IBANs and process fiat payments through SEPA and SWIFT rails.

Fipto is Europe's first payment provider to simultaneously hold both a Payment Institution licence under PSD2 (issued by the ACPR) for fiat currency operations and a MiCA CASP licence (issued by the AMF) for crypto-asset services. This dual authorisation enables Fipto to cover the complete transaction lifecycle — fiat receipt, stablecoin conversion, blockchain transfer, and fiat payout — within a single, fully regulated framework, without requiring clients to work with multiple providers. Read more about Fipto's dual-licensed regulatory setup

Yes. Fipto holds an ISO/IEC 27001:2022 certification for information security management. ISO/IEC 27001 is the internationally recognised standard specifying the requirements for establishing, implementing, maintaining, and continually improving an information security management system (ISMS). Fipto's certification confirms that it maintains robust controls over the confidentiality, integrity, and availability of information across its operations and infrastructure, meeting the security standards expected of regulated financial institutions.

Fipto PI SAS is supervised by two French financial regulatory authorities. The AMF (Autorité des Marchés Financiers) oversees Fipto's activities as a MiCA CASP (Crypto-Asset Service Provider). The ACPR (Autorité de Contrôle Prudentiel et de Résolution), part of the Banque de France, oversees Fipto's activities as a Payment Institution. Both regulators operate within the framework of European Union financial services law, ensuring consistent regulatory standards across EU member states.

A stablecoin is a type of crypto asset designed to maintain a stable value relative to a reference asset — typically a fiat currency such as the US dollar or euro. Unlike volatile crypto assets such as Bitcoin or Ether, stablecoins are backed by reserves (cash, short-term treasury securities, or other liquid assets) and are engineered to maintain a one-to-one peg with their reference currency. For B2B payments, stablecoins combine the speed and programmability of blockchain infrastructure with the price stability of fiat currencies.

Stablecoins offer several material advantages over traditional bank transfers for B2B payments. They settle in near real-time — typically within seconds to minutes — on public blockchain infrastructure, compared to one to five business days for SWIFT transfers. They are available 24 hours a day, 365 days a year, with no dependency on bank operating hours or clearing house schedules. Settlement costs are a fraction of traditional correspondent banking fees. Stablecoin transfers are fully traceable on-chain, providing a transparent and immutable record of payment flows. For treasury teams, stablecoins enable precise cash positioning and programmatic management of payment workflows, including automatic conversion to fiat on receipt.

Fipto supports USDC (USD Coin) as the primary stablecoin, available across multiple blockchain networks including Ethereum and Base. Fipto's infrastructure is designed to support additional regulated stablecoins as the market develops and as new assets receive regulatory approval under the MiCA framework. Clients may hold stablecoin balances in separate wallets and convert to or from fiat as required through the platform. View full list of available assets on Fipto

Fipto supports multiple blockchain networks for digital asset operations, including Ethereum and Base, covering the major infrastructure used by institutional digital asset operators. Fipto's multi-blockchain support is designed to evolve alongside market developments and client requirements. View full list of available blockchains on Fipto

To request an account, contact Fipto by filling out a demo request form. Fipto provides access to two types of environment: a Demo environment, which allows you to test the platform — including the web interface and the API — without processing live transactions; and a Production environment, which is activated following successful completion of the KYB (Know Your Business) verification process. To begin, submit a request to book a demonstration with the Fipto team.

Onboarding timelines vary depending on the client's business type, jurisdiction, and the complexity of their setup. For corporate clients, once all required documentation has been submitted and validated, account opening can be completed in as little as 72 hours. Fipto's onboarding team provides dedicated guidance throughout each stage of the process to minimise delays and ensure documentation requirements are met efficiently.

As a regulated Payment Institution and MiCA CASP, Fipto is required to conduct Know Your Business (KYB) verification for all clients. Required documentation typically includes corporate registration certificates, ownership and beneficial ownership information, proof of business activity and intended use of the platform, identity documents for key personnel (including directors and ultimate beneficial owners), and — where applicable — evidence of existing regulatory licences. Fipto's compliance team will advise clients on the precise documentation requirements based on their jurisdiction and business type.

Yes. Fipto provides a dedicated Demo environment that mirrors the functionality of the production platform, enabling prospective clients to evaluate payment flows, conversion features, wallet management, and API integration capabilities before going live. The Demo environment is accessible following initial contact with the Fipto team and includes access to both the web platform and the API, allowing technical teams to test integrations in a risk-free environment.

Fipto supports EUR and USD fiat currencies, with named IBANs available in both. In addition, Fipto supports USDC and other major stablecoins, held across multiple blockchain wallets. Clients can hold separate balances in each supported currency and asset, enabling precise, multi-currency treasury management from a single interface.

A named IBAN (International Bank Account Number) is a payment account that bears the official business name of the account holder, rather than the name of a payment intermediary. Named IBANs eliminate verification delays because incoming payments are immediately and unambiguously attributable to the correct client. Fipto provides fully segregated named IBANs in both EUR and USD to its clients, ensuring that businesses receive fiat payments with their corporate identity on every transaction — a significant advantage over shared or virtual IBANs that may cause reconciliation friction.

Fipto allows clients to generate an unlimited number of digital asset wallets and crypto addresses for incoming payments. This enables businesses to assign a unique wallet address to each counterparty, partner, or invoice, facilitating precise reconciliation of incoming funds. Each address reveals only the transactions associated with that specific counterparty — not the client's overall balance or transaction history — providing both operational convenience and financial confidentiality.

An omnibus account is a pooled account that processes the transactions of multiple clients or purposes through a single blockchain address. For outgoing payments, Fipto processes transactions from an omnibus account. This means that the recipient of a payment cannot identify the sending client, track the sender's overall wallet balance, or monitor other outgoing payment flows on the blockchain. This design protects the financial confidentiality of Fipto clients, preventing suppliers, clients, or other counterparties from monitoring treasury positions or payment patterns.

Yes. In addition to named IBANs, Fipto supports virtual IBANs to simplify payment tracking and automated reconciliation. Virtual IBANs can be assigned to individual clients, transactions, subsidiaries, or business units, enabling automatic identification and allocation of incoming payments without manual intervention. This feature is particularly valuable for businesses managing complex multi-counterparty payment flows or operating across multiple legal entities.

Fipto enables near-instant payment settlement, available 24 hours a day, 7 days a week, 365 days a year. Stablecoin payments settle on-chain in a matter of seconds to minutes, depending on the blockchain network. Fiat payments are processed via SEPA Instant (for EUR transfers) and SWIFT (for USD transfers), providing rapid settlement across both digital asset and traditional payment rails. Unlike correspondent banking infrastructure, Fipto operates without dependency on bank operating hours, clearing house schedules, or national public holidays.

Fipto supports SEPA Instant payments for EUR outgoing transactions and SWIFT for USD outgoing transactions. For digital asset payments, Fipto supports multiple blockchain networks including Ethereum and Base. This combination of fiat and stablecoin rails enables clients to route payments flexibly — optimising for speed, cost, or destination currency — depending on the specific transaction and counterparty requirements.

Yes. Fipto enables multi-currency payouts in both stablecoins and local fiat currencies. A client can send USDC directly to a counterparty's stablecoin wallet, or instruct Fipto to convert and deliver the payment in a local fiat currency. This flexibility allows businesses to serve international partners and suppliers regardless of whether those counterparties hold digital asset wallets or prefer to receive settlement in traditional bank accounts.

Yes. Fipto supports bulk payouts, enabling clients to process multiple payments simultaneously through a single instruction. This capability is particularly valuable for PSPs managing high-volume merchant settlement workflows, enterprises disbursing payroll or supplier payments, and any business seeking to reduce the operational overhead of initiating individual payment instructions. Bulk payouts can be initiated via the Fipto web platform or through the API.

Fipto simplifies cross-border payments by using stablecoin rails as the underlying transfer mechanism between jurisdictions, converting to fiat at the point of receipt where required. This model eliminates the need for multiple correspondent banking relationships, removes hidden intermediary fees, and provides full transparency on the status of each payment. Fipto's infrastructure supports payments across multiple currencies and jurisdictions, with settlement in minutes rather than the one to five business days typical of SWIFT cross-border transfers.

Fipto provides clients with dedicated stablecoin wallet addresses for incoming digital asset payments. Clients can generate an unlimited number of addresses and assign each address to a specific counterparty, invoice, or project, facilitating precise reconciliation. Stablecoin receipts are credited to the client's account in real-time upon blockchain confirmation, with no dependency on banking hours or intermediaries.

Fipto Payment Links are a payment collection feature that allows businesses to accept stablecoin payments from counterparties — including those without a Fipto account. A Payment Link is a URL that is shared with the payer, who uses it to send a stablecoin payment directly to the payee's designated Fipto account. Payment Links are particularly useful for accepting ad-hoc payments without requiring the counterparty to hold a digital asset wallet or integrate with a specific payment system.

Yes. Fipto provides an auto-conversion feature that allows clients to accept incoming stablecoin payments and automatically convert them to fiat (EUR or USD) upon receipt. This feature enables businesses that do not wish to carry stablecoin balances to benefit from the speed and cost advantages of stablecoin rails while receiving settlement in their preferred fiat currency. The auto-conversion rate is determined at the point of receipt based on prevailing market rates.

Fipto supports incoming fiat payments via SEPA Instant (for EUR) and SWIFT (for USD), received through named IBANs, as well as incoming stablecoin payments across supported blockchain networks including Ethereum and Base. This multi-rail support ensures that businesses can receive funds from counterparties using either traditional banking infrastructure or digital asset networks, without requiring a bespoke technical setup for each payment type.

Yes. Fipto offers real-time currency conversion between fiat currencies (EUR and USD) and between fiat and stablecoins. Conversions are executed within the Fipto platform or via API, enabling clients to manage multi-currency treasury positions and execute FX transactions from a single interface without intermediating multiple financial counterparties. Learn more about Fipto's OTC solutions

Fipto provides competitive FX conversion rates based on real-time market data. Clients can review an indicative rate before confirming a conversion, ensuring price transparency prior to execution. Conversions are settled within the Fipto platform, with balances updated immediately upon execution. For PSP clients, Fipto also enables the capture of FX spread margins, with the potential to generate up to 100 basis points in margin on qualifying stablecoin conversion transactions.

Fipto provides businesses with a unified account infrastructure — combining named EUR and USD IBANs with stablecoin wallets — that enables comprehensive treasury management across fiat and digital assets. Clients can monitor balances in real-time, execute currency conversions, route payments across SEPA, SWIFT, and blockchain rails, and manage user access and approval workflows — all from a single interface. The 24/7/365 availability of Fipto's infrastructure ensures that treasury teams are not constrained by bank operating hours when managing liquidity or responding to urgent payment requirements.

Yes. Fipto is available through API, web platform, or certified integration with Treasury Management Systems. Fipto currently offers a certified integration with Kyriba, a leading cloud-based TMS used by large enterprises and financial institutions globally. This integration enables treasury teams to initiate and monitor Fipto payments directly from within Kyriba, without requiring a separate login to the Fipto platform, and without disrupting existing treasury workflows. Access Fipto from Kyriba

As a regulated Payment Institution and MiCA CASP, Fipto operates a comprehensive KYC (Know Your Customer) and AML (Anti-Money Laundering) programme in accordance with applicable EU regulations, including the EU Anti-Money Laundering Directives (AMLD) and MiCA requirements. All clients undergo a KYB (Know Your Business) verification process prior to account activation. Fipto's compliance team monitors transactions for indicators of suspicious activity and applies transaction screening against applicable sanctions lists and politically exposed persons (PEP) databases.

Know Your Business (KYB) is a corporate due diligence process that verifies the identity, ownership structure, and business activities of an organisation before a financial services account is opened. KYB is a regulatory requirement for payment institutions and crypto-asset service providers operating under EU law. Fipto's KYB process involves the collection and verification of corporate registration documents, beneficial ownership information, identity verification for key personnel, and confirmation of the intended use of the platform and expected transaction flows.

Yes. As a licensed Payment Institution supervised by the ACPR and a MiCA CASP supervised by the AMF, Fipto operates in full compliance with the EU's Anti-Money Laundering Directives and associated national transpositions in France. Fipto implements risk-based AML controls including transaction monitoring, sanctions screening, and ongoing customer due diligence, and is subject to regular supervisory examination by both the AMF and the ACPR.

Yes. Fipto operates automated and manual transaction monitoring systems designed to identify patterns or individual transactions that may indicate money laundering, fraud, sanctions violations, or other forms of financial crime. Fipto's compliance team reviews flagged transactions and is legally obligated to file suspicious activity reports with the relevant authorities where required under applicable French and EU law. This monitoring applies to all payment and conversion activities conducted through the Fipto platform.

Yes. As a licensed Payment Institution under PSD2 (the Second Payment Services Directive), Fipto is subject to the full scope of PSD2 requirements, including strong customer authentication (SCA), segregation of client funds, transparent fee disclosure, and payment execution time standards. Fipto's Payment Institution licence (CIB 17908) was issued by the ACPR in accordance with PSD2 requirements as transposed into French law.

All client funds at Fipto are 100% segregated — held separately from Fipto's own corporate funds at all times, in accordance with Payment Institution regulations enforced by the ACPR. Fipto does not use client funds for its own operations or liquidity purposes. For digital assets, Fipto's custody infrastructure is built on Fireblocks, a leading institutional-grade digital asset custody and transfer platform trusted by major financial institutions worldwide. Visit Fipto's security center

Fipto offers clients a comprehensive suite of configurable security controls: multi-factor authentication (MFA) for all platform users; multi-signature payment authorisation (double or triple signature workflows, configurable per client); role-based access permissions enabling clients to replicate their internal delegation and authorisation structures; beneficiary whitelisting to restrict payments to pre-approved counterparties; session timeouts and device-level security enforcement; and 24/7 infrastructure monitoring and alerting. Visit Fipto's security center

Fipto's multi-signature authorisation feature requires that outgoing payments receive approval from two or more designated users before they are processed. Clients can configure double or triple signature workflows, defining which users or user roles must approve payments of different types or above specific value thresholds. This control mirrors standard corporate treasury approval hierarchies and provides a significant additional layer of protection against unauthorised payments or internal fraud.

Fipto protects client transaction confidentiality through two complementary mechanisms. For incoming payments, clients can generate an unlimited number of wallet addresses and assign a unique address to each counterparty or invoice, ensuring that each counterparty can only see the transactions associated with their own address, and cannot view the client's overall transaction history or wallet balance. For outgoing payments, Fipto processes transactions from an omnibus account, meaning that the blockchain address used to send a payment does not reveal the sending client's identity, wallet balance, or payment history to the recipient.

Yes. All client funds held with Fipto are 100% segregated from Fipto's own corporate funds, in accordance with the requirements applicable to licensed Payment Institutions under PSD2 and French regulatory law as enforced by the ACPR. Client funds are held in separate accounts with regulated banking partners and cannot be used for Fipto's operational or corporate purposes. This segregation provides clients with a fundamental layer of financial protection independent of Fipto's own financial position.

Fipto offers three integration modes to accommodate different operational contexts: the Fipto web platform, a browser-based interface for managing payments, wallets, and conversions without any development work (also available in grey-label); the Fipto API, for programmatic integration into existing payment workflows or custom applications; and certified integration with Treasury Management Systems including Kyriba. Full API documentation is available at docs.fipto.com, and Fipto's developer and onboarding teams provide support throughout integration projects.

Yes. Fipto provides a comprehensive REST API that enables programmatic access to all core platform features, including payment initiation, wallet management, currency conversion, beneficiary management, and transaction reporting. API documentation — including authentication guides, endpoint specifications, and code examples — is available at docs.fipto.com.

Fipto MCP (Model Context Protocol) is a developer tool that enables AI agents and large language models to interact directly with Fipto's payment infrastructure. Using the Model Context Protocol — an open standard for connecting AI models to external tools and data sources — Fipto MCP allows AI-powered applications to initiate payments, query account balances, and manage wallets through natural language instructions. This capability is designed for developers building AI-native financial applications and treasury automation tools, and represents Fipto's commitment to providing infrastructure that is compatible with emerging artificial intelligence workflows in financial services.

Fipto currently offers a certified integration with Kyriba, a leading cloud-based Treasury Management System used by large enterprises globally. This integration enables Fipto clients who use Kyriba to initiate, monitor, and reconcile stablecoin and fiat payments directly from within their Kyriba environment. Fipto continues to develop its ecosystem of TMS and ERP integrations to meet the needs of enterprise treasury operations. Details of current integration capabilities are available from the Fipto team.

Fipto enables PSPs to offer instant global merchant settlement in both fiat and digital currencies, meeting growing merchant demand for stablecoin settlement — particularly in sectors such as iGaming. PSPs using Fipto can capture FX spread margins of up to 100 basis points on stablecoin conversion transactions, create named USD and EUR IBANs and stablecoin wallets, optimise intercompany transfers, and extend their global coverage — all through a single API.

Fipto provides crypto brokers with a comprehensive infrastructure platform that combines institutional liquidity aggregation for optimal conversion rates, instant OTC quoting and settlement via API, multi-currency fiat accounts and digital asset wallets, local and international payment rails for fiat deposits and withdrawals, and secure MCP crypto wallet infrastructure. This consolidated offering reduces integration costs and operational complexity for brokers who would otherwise need to source these capabilities from multiple separate providers.

User creation and management on Fipto is handled through the platform's access control system by account administrators. New users are subject to a security validation process managed by Fipto's team. Each user is assigned specific roles and permissions that reflect their function within the organisation — ensuring that access to payment initiation, conversion, reporting, and administrative features is appropriately restricted. The creation and configuration of users is supported by Fipto's account management team during onboarding and throughout the client relationship.

Fipto's payment approval workflows are configured during the account setup process in collaboration with a dedicated account manager. Clients define approval thresholds, designate approvers by role or individual user, and specify whether double or triple signature is required for specific payment types or value bands. These configurations mirror the internal governance structures of the client organisation and can be reviewed or updated with the support of Fipto's account management team.

Yes. Fipto provides the flexibility to replicate a client's internal limit management policies within the platform. Clients can configure user-level and transaction-level spending controls in line with their internal governance and risk frameworks. These spending controls operate in conjunction with the multi-signature payment approval workflows, providing a comprehensive and layered risk management framework for treasury operations.

Yes. Fipto offers a beneficiary whitelisting feature that restricts outgoing payments to a pre-approved list of counterparties. Once enabled, payments can only be sent to beneficiaries that have been explicitly added to the whitelist. This control is particularly valuable for treasury operations where payment flows are predictable and the risk of fraudulent payment redirection — such as business email compromise (BEC) — needs to be actively mitigated.

Each Fipto client is supported by a dedicated account manager who provides assistance with platform configuration, ongoing payment operations, and any queries relating to the use of the platform. Fipto's account management team is available to assist with the configuration of security controls, approval workflows, user management, and the onboarding of new use cases. For technical queries, Fipto provides developer documentation at docs.fipto.com and developer support for API integration projects.