What Fipto does

Fipto is a French fintech founded in 2022 that provides enterprise stablecoin payment infrastructure for cross-border B2B payments and corporate treasury management. The platform operates multi-chain stablecoin rails across Ethereum, Solana, and Polygon (supporting USDC, USDT, and EURC), connects them to traditional banking via SEPA and SWIFT through a proprietary on/off-ramp engine, and layers Fireblocks MPC custody on top for wallet security. Fipto holds four regulatory registrations — DASP (AMF), Payments Institution (ACPR, code 17908), VASP (Luxembourg), and MiCA CASP (AMF, A2026-009) — positioning it as Europe's first dual-licensed stablecoin payment institution.

The product suite comprises four core modules: Global Payouts (fiat and stablecoin payouts, 24/7), Collect/Receive (payment collection with optional auto-conversion to fiat via Payment Links), Business Accounts (named EUR/USD IBANs and segregated stablecoin wallets), and Conversions (instant FX and on/off-ramp). These are extended by Automations (rule-based workflow engine), Fipto Embedded (grey-label/white-label offering), a dedicated EUR-BRL corridor with Avenia, and a native Kyriba TMS integration. Distribution combines direct enterprise sales, API self-serve onboarding, and channel partnerships with Worldline, Kyriba, TerraPay, Avenia, and Fireblocks. Named clients include Ledger, Mantu (a €1B consulting group), TerraPay, Pandascore, and Argo Freight, serving PSPs, crypto brokers, and corporate treasury teams.

Fipto monetises primarily via transaction and conversion fees on stablecoin payment volumes, supplemented by platform and managed-service fees for enterprise treasury features. Pricing is negotiated per client based on volume, corridor complexity, and integration scope rather than published. Headquartered in Paris with 11–50 employees, the company has raised €15M in seed funding (September 2023, co-led by Serena and Motier Ventures) and reports 99.97% platform uptime with sub-5-minute cross-border settlement versus 3–5 days on SWIFT-based rails.

Name

Fipto

Legal name

Fipto PI SAS

Website

https://fipto.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Fipto is a French fintech providing enterprise stablecoin payment infrastructure for cross-border B2B payments and corporate treasury management. It serves PSPs, crypto brokers, and corporate treasury teams via multi-chain rails (Ethereum, Solana, Polygon), SEPA/SWIFT fiat connectivity, and dual ACPR/MiCA regulatory licensing.

Ownership category

akta.pro rank

Product category

Cross-Border Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Other Nondepository Credit Intermediation (52229), Credit Card Issuing (52221)

SIC

Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Miscellaneous Business Credit Institution (6159), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

akta.pro secondary industries

B2B Crypto Payouts, Mass Payments & Treasury Disbursements (FSADAIAF), Crypto Payment Gateways & Checkout APIs (FSADAIAA), Settlement, Reconciliation & Merchant Treasury Tools (Crypto) (FSADAIAK), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), Instant Payment Scheme Connectivity & Processing (e.g., FedNow, SEPA Instant, Faster Payments) (FSAMAHAD)

Keywords

• Enterprise payment infrastructure
• Stablecoin cross-border payments
• Treasury management software
• B2B payment API
• Multi-currency business accounts

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Transaction and Conversion Fees: Fipto charges fees on each stablecoin payment processed through its platform. Conversion fees apply when clients exchange between stablecoins (e.g., USDC to EURC) or when settling across currency corridors. The fee model is usage-based, scaling with transaction volume and corridor complexity. No subscription tier is required to access the platform — clients pay per transaction.
2. Treasury Management Platform Fees: Enterprise treasury clients pay for access to the Fipto treasury dashboard, batch settlement tools, and FX management capabilities. This may include platform or licensing fees in addition to per-transaction charges, positioning Fipto as a managed service for corporate treasury teams.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Fipto provides enterprise stablecoin payments infrastructure that enables businesses to send, receive, hold, and convert funds globally in real time across fiat and stablecoin rails. The platform offers a unified suite of B2B payment products including Global Payouts, Collect/Receive, multi-currency Business Accounts, and instant FX Conversions, accessible via Web App, REST API, MCP integration, and Kyriba TMS integration. It serves PSPs, crypto brokers, and corporate treasury teams with cross-border settlement in under 5 minutes, operating as a dual-licensed (ACPR Payment Institution and MiCA CASP) European fintech.

Product overview

Fipto is an enterprise stablecoin payments infrastructure platform offering a unified suite of B2B payment products for cross-border transactions. The core platform consists of four integrated modules: Global Payouts (fiat and stablecoin payouts to third parties), Collect/Receive (payment collection with auto-conversion), Business Accounts (multi-currency accounts with EUR/USD IBANs and stablecoin wallets), and Conversions (instant FX and on/off-ramp 24/7). These core modules are complemented by Payment Links (for receiving stablecoin payments from external counterparties), Automations (rule-based workflow automation for recurring cash flows), and the EUR-BRL Stablecoin Corridor (dedicated two-way corridor for Europe-Brazil flows). Fipto Embedded provides white-label access to the infrastructure. The platform is accessible via a Web App, REST API with webhooks, MCP integration for AI agents, and a native Kyriba TMS integration. Fipto is the first stablecoin platform in Europe to hold dual regulatory licensing (ACPR Payment Institution and AMF MiCA CASP), enabling it to manage the entire payment chain from fiat on-ramp through stablecoin settlement to fiat off-ramp.

Differentiator

Problem solved

Functional benefit

Products and services

• Global Payouts Fiat and stablecoin payouts to merchants, partners, and contractors globally, available 24/7 for businesses needing cross-border disbursement.
• Collect (Receive) Receiving payments in fiat and stablecoins with optional auto-conversion to fiat via Payment Links, designed for businesses accepting cross-border payments.
• Business Accounts (Multi-Currency Accounts) Multi-currency accounts with named EUR/USD IBANs and segregated stablecoin wallets for organising corporate treasury and segregating client funds.
• Conversions (FX & On/Off-Ramp) Instant FX conversion and on/off-ramp between fiat and stablecoin in real time, 24/7, including automated conversion workflows for corporate treasury operations.
• Fipto Embedded (Grey Label) White-label version of Fipto's infrastructure enabling partners (PSPs, fintechs) to offer stablecoin payments under their own brand using Fipto's regulatory licences.
• EUR-BRL Stablecoin Corridor Dedicated two-way stablecoin corridor for EUR/BRL cross-border flows between Europe and Brazil, enabling near real-time settlement 24/7 using stablecoins as the settlement layer.
• Kyriba TMS Integration Native integration with Kyriba's Treasury Management System enabling enterprise treasury teams to initiate and monitor stablecoin payments directly within Kyriba, with balances and transaction history reconciled in real time.

Quantifiable outcome

• Cross-border settlement time reduced from 3–5 business days to sub-5 minutes
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability3 records

Feature6 records

Partnerships

Five partnerships are on record, tiered flagship and core.

• WorldlineflagshipStrategic or Co-development PartnerWorldline, a leading European payment services provider, partnered with Fipto to develop stablecoin-based payment solutions for merchants and financial institutions. The partnership integrates Fipto's blockchain payment rails into Worldline's established merchant and institutional payment ecosystem across Europe, targeting B2B and cross-border payment use cases.
• AveniacoreStrategic or Co-development PartnerFipto and Avenia co-developed a EUR-BRL stablecoin settlement corridor enabling near-instant EUR to Brazilian Real transfers for remittance and trade flows between Europe and Brazil. The partnership targets the Europe-to-Brazil remittance corridor, leveraging USDC on-chain settlement to bypass traditional correspondent banking delays and costs.
• KyribacoreTechnology or IntegrationFipto is integrated into the Kyriba enterprise treasury management platform, enabling Kyriba's corporate treasury clients to access Fipto's stablecoin payment rails directly from within their existing TMS workflow. This integration serves enterprise treasury teams managing cross-border payments, intercompany settlements, and multi-currency positions.
• TerraPaycoreChannel Partner/ Reseller/ DistributorTerraPay, a global payments infrastructure company operating across 39+ countries, partnered with Fipto to enable stablecoin-based remittance corridors and payment settlement. TerraPay incorporates Fipto's stablecoin rails into its remittance network, which includes banks, mobile network operators, and money transfer operators globally.
• FireblockscoreTechnology or IntegrationFireblocks provides Fipto's enterprise wallet infrastructure, including multi-party computation (MPC) wallet technology, policy controls, and audit trail capabilities. This infrastructure supports Fipto's secure custody and transaction signing for stablecoin treasury management by enterprise clients.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• OpenPayd: OpenPayd is a UK/EU-based embedded finance and payment infrastructure provider offering multi-currency accounts, FX and payment rails to fintechs and corporates. It competes with Fipto in providing regulated, API-first cross-border payment infrastructure for PSPs and treasury teams.
• Zero Hash: Zero Hash provides crypto and stablecoin infrastructure-as-a-service for fintechs, brokers and banks, including custody, settlement and on/off-ramp APIs. It targets a comparable customer base to Fipto (PSPs, brokerages) with embeddable stablecoin payment rails.
• TerraPay: TerraPay is a global payments infrastructure company operating across 39+ countries with bank, MNO and MTO connections for remittances. It is both a Fipto channel partner (incorporating Fipto's stablecoin corridors) and a comparable operator in cross-border B2B and B2C payment rails.
• BVNK: BVNK is a UK-based enterprise payments platform providing stablecoin and fiat payment infrastructure for businesses. Like Fipto, it targets PSPs, exchanges and corporates with cross-border stablecoin rails and integrated FX, making it the closest direct competitor in the European stablecoin payments space.
• Bridge (Stripe): Bridge is a stablecoin orchestration and API platform acquired by Stripe. It offers stablecoin payment APIs and on-ramp/off-ramp infrastructure directly comparable to Fipto's API-first stablecoin rails for businesses and developers.

Broad incumbents

• Circle: Circle is the issuer of USDC and EURC and has expanded into payments and treasury services via Circle Payments Network. As Fipto's principal underlying stablecoin issuer, Circle represents both an ecosystem dependency and a broad incumbent competitor in stablecoin-based cross-border payments.
• Paxos: Paxos is a regulated blockchain infrastructure platform that issues stablecoins (USDP, PYUSD on behalf of PayPal) and provides enterprise crypto brokerage, custody and settlement services. It operates more broadly than Fipto across stablecoin issuance and crypto infrastructure but overlaps in B2B payment rails.
• BitGo: BitGo is a regulated digital asset custody and infrastructure provider offering custody, trading, lending and payment settlement services to institutions. It overlaps with Fipto in providing stablecoin settlement infrastructure to exchanges and treasury teams, albeit as part of a broader institutional crypto services suite.
• Modulr: Modulr is a UK Payments Institution providing API-based payment infrastructure (ACH, SEPA, Faster Payments, BACS) to fintechs and corporates. While Modulr does not yet offer stablecoin rails, it is a comparable regulated payments infrastructure peer targeting PSPs and enterprise treasuries with API-first money movement.
• Ripple (RippleNet / RLUSD): Ripple provides enterprise cross-border payment infrastructure and now its own RLUSD stablecoin, competing with Fipto in the B2B cross-border payments space. It serves banks, PSPs and corporates with global settlement rails, although its primary rail remains XRP-based rather than USDC/EURC.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/fipto
• Xx.com/FiptoHQ

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fipto