Send

Global payouts in seconds via stablecoins

Pay suppliers and partners worldwide in seconds, in stablecoins or local currencies, for a fraction of the cost of a traditional transfer.

Book a demo

Read the API docs

Why send with Fipto

Faster payouts, fewer intermediaries. Without the delays, fees and blind spots of correspondent banking.

Settle in seconds, every day

Blockchain rails and SEPA Instant settle in seconds, 24/7, weekends included.

Stablecoins or local currency

Pay in USDC or EURC on major networks, in EUR, USD or GBP, or in local currencies across Latin America and Asia, on domestic rails such as PIX and SPEI.

Transparent FX

One all-in rate, locked when you approve, with fees and local taxes included. Self-service eOTC 24/7, or our OTC desk for large volumes.

Controls built in

Multi-signature approvals, user roles and beneficiary whitelisting, with AML/CFT monitoring and the Travel Rule on every transfer.

How it works

From your account to theirs. On the right rail, every time.

1 · Your account
One Fipto account, several currencies
EURUSDUSDCEURC
Funded by SEPA, SWIFT or on-chain
2 · Fipto
ApproveMulti-signature, roles and permissions
ScreenAML/CFT monitoring and Travel Rule
Convert if neededOne all-in rate, shown before you send
3 · The right rail
BlockchainUSDC, EURC · major networksInstant, 24/7
SEPA InstantEURInstant, 24/7
SWIFTUSDT+0 – T+2
Faster PaymentsGBPInstant
Local currenciesPIX, SPEI, FPS and moreDomestic rails

Payout coverage, live today

EURSEPA, SEPA Instant
USDSWIFT
BRLPIX
MXNSPEI
COPBank transfer, NEQUI
SGDBank transfer
HKDFPS, CHATS, Wire
PHPPESONet
CNYCIPS, Wire
GBPFaster Payments
USDCBlockchain
EURCBlockchain
EURCVBlockchain

Full currency and network coverage

Use cases

Any currency in, any currency out.

Supplier payments in stablecoins

Ledger pays suppliers in USDC from a euro balance, with the conversion handled at the moment of payment.

Read the Ledger story

Local currency payouts

Pay partners in Latin America and Asia in their own currency, on domestic rails such as PIX and SPEI.

Currency coverage

Intercompany treasury across borders

Mantu moves funds between its entities, euro to Colombian peso, with USDC in between so the transfer lands in minutes.

Read the Mantu story

On-chain settlement

Pay in the stablecoin your counterpart holds, or switch between USDC and EURC, and settle at any hour.

Explore Convert

Customer story · Merchant settlement

“Settlement infrastructure should not determine how quickly, where or even whether a business can operate. Stablecoin settlement gives merchants access to infrastructure that allows money to move faster while removing barriers that can limit how they operate and grow across markets.”

Clemens Leitner, Chief Executive Officer, DIMOCO

Read the story ›

Customer story · Cross-border payouts

“Stablecoin-native flows are a natural next step: they support us to bring more speed, efficiency and flexibility to our global payments network. Partnering with Fipto ensures we do this securely and compliantly, while paving the way for the next phase of cross-border payments.”

Ambar Sur, Founder and CEO, TerraPay

Read the story ›

Customer story · Supplier payments

“We save 15 minutes per payment by eliminating breaks in the process. Everything is now seamless, digital and automatically synced.”

Guillaume de Saint Rémy, Director Funding, Digital Assets, Payments & Treasury, Ledger

Read the story ›

Customer story · Intercompany treasury

Mantu moves cash between its European and Colombian entities in minutes instead of two to five business days, at around 1% total cost compared with 3 to 5% on traditional corridors.

Mantu, global consulting group operating in 60 countries

Read the story ›

Features

Everything you need to pay at scale. Built for finance and treasury teams.

Payments and conversions

Bulk payouts by file (XML or CSV) or API

Automation rules: convert on arrival, then pay out

Verification of payee before you send

eOTC 24/7 and OTC desk for large volumes

Webhooks for real-time payment status

Visibility and control

Real-time status on every payout

Account statement exports

Multi-currency balances in one account

Read-only access for finance and audit teams

Also available from TMS such as Kyriba

Security and compliance

Multi-signature approvals

User roles and permissions

Beneficiary whitelisting

Fully segregated accounts and 2FA

AML/CFT monitoring and Travel Rule compliance

Get started

Send one payout or thousands. From the web app or the API.

From the web app

Send a single payout in a few clicks, or upload a file to pay many at once. Your team approves before anything leaves.

Single payouts or bulk files

Multi-signature approvals

Statement exports for your accountant

Book a demo

Through the API

Trigger payouts from your own platform or systems and follow each one in real time.

Payins, payouts and conversions by API

Full reference documentation

Webhooks for payment status

API reference

FAQ

What finance teams ask before their first payout.

Who can use Fipto to send payouts?

Fipto serves businesses: payment service providers and acquirers, crypto brokers, corporates and platforms. Each client is onboarded and verified by our compliance team.

Which currencies and rails can I pay out on?

USDC and EURC on major blockchain networks, EUR on SEPA and SEPA Instant, USD on SWIFT, GBP on Faster Payments, and local currencies across Latin America and Asia on domestic rails. The full, up-to-date list is on our currency coverage page.

How fast do payouts arrive?

Stablecoin and SEPA Instant payouts settle in seconds, 24/7, weekends included. Local currency payouts usually arrive within minutes to two business days, depending on the corridor. The estimated arrival time is shown before you approve.

Do I need to hold stablecoins?

No. You can fund your account in euros: Fipto converts automatically and pays out, so nothing needs to stay on your balance sheet in stablecoins.

How are payouts priced?

Pricing is transparent and usually a fraction of the cost of a correspondent banking transfer. For each payout you see one all-in rate, with fees and local taxes included, before you approve. Contact us for pricing based on your volumes and corridors.

How does Fipto keep payouts compliant?

Fipto is a Payment Institution supervised by the ACPR and a MiCA crypto-asset service provider authorised by the AMF. Beneficiaries are verified and whitelisted before the first payment, every transaction is monitored for AML/CFT, and the Travel Rule applies to every crypto-asset transfer.

How long does onboarding take?

Around one week once all required documents have been submitted and validated. A dedicated account manager guides you through each step.

Security and compliance

Compliance at the core of a unique regulatory framework

Fipto meets the highest compliance and security standards to help reduce compliance burdens and counterparty risks.

Licensed

Fipto is Europe’s first payment provider to hold both a Payment Institution licence for fiat and a MiCA CASP licence for digital assets, powering the end-to-end transaction lifecycle.
Payment InstitutionACPR · code 17908 Authorised› Crypto-asset service provider (MiCA)AMF · A2026-009 Authorised›

Compliance centre

Secure

ISO 27001 certified
Continuous AML/CFT transaction monitoring
Fully segregated funds

Travel Rule compliance on every crypto-asset transfer

Wallets and beneficiaries screened before funds leave

Security centre

Ready to get started?

Book a demo to see Fipto in action, or explore the API and start building today.

Book a demo

Read the API docs

Licensed in Europe

An ACPR-authorised payment institution and a MiCA-licensed CASP, with client funds fully segregated.

Compliance centre

Built for developers

Clear guides, a complete API reference and the Fipto MCP server for AI agents.

Explore the guides