Currency and network coverage
Fipto settles in fiat and in stablecoins under a single regulated framework. Every currency, stablecoin, payment scheme and blockchain we support is fully integrated and available right now.
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Three ways money moves through Fipto
Business accounts in EUR and USD
Named accounts with dedicated IBANs and unlimited virtual IBANs, connected to SEPA and SWIFT.
Euro on SEPA and SEPA Instant, 24 hours a day
US dollar on SWIFT
Domestic rails
Payments originate inside the European Union, settle in USDC through Circle Payments Network, and arrive in local currency on the domestic rails beneficiaries already use.
Corridors across Latin America and Asia
One all-in rate, fixed when the payment is approved
One regulated framework, end to end
Authorised CASP services
Partners embed services within Fipto's authorised scope under MiCAR.
Note: Fipto is the obliged entity under EU AML rules. Onboarding decisions, transaction monitoring and Travel Rule data exchange sit with our compliance team.
Safeguarded funds
All assets are segregated per client, never commingled with Fipto's balance sheet. Fiat is held in credit institutions with daily reconciliation.
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