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.
