The Fipto API is a B2B stablecoin payments infrastructure for sending, receiving, holding and converting funds across fiat and stablecoin rails. Dual-licensed in France (MiCA CASP + Payment Institution).
The Fipto API is a B2B stablecoin payments infrastructure for sending, receiving, holding and converting funds across fiat and stablecoin rails. It is built for payment service providers, crypto brokers and large enterprises that need to move money globally in real time, 24/7, with institutional safeguards.
Fipto is dual-licensed in France as a Payment Institution (ACPR, code 17908) and a MiCA CASP (AMF, A2026-009), and is ISO 27001:2022 certified. As of May 2026 the API maintains 99.97% uptime over the trailing ninety days, tracked publicly at status.fipto.com.
Quick facts
- Type: REST API, OpenAPI 3.0 specification
- Authentication: RSA-SHA256 HTTP Signatures (
hs2019)- Fiat accounts: EUR (SEPA, SEPA Instant) and USD (SWIFT) via named IBANs
- Local currency payouts: BRL, MXN, COP, SGD, HKD, PHP, CNY
- Stablecoins: USDC, EURC and EURCV on Ethereum, Arbitrum, Optimism, Polygon, Base and Solana
- Crypto-assets: BTC, ETH, SOL
- Sandbox: api.demo.fipto.tech
- Production: api.fipto.app
- Regulatory: Payment Institution (ACPR, France) + MiCA CASP (AMF, France) + ISO 27001:2022
What you can build
With the Fipto API you can:
- Send stablecoin and fiat payouts to any beneficiary worldwide, including local currency payouts in BRL, MXN, COP, SGD, HKD, PHP and CNY, single or in batches, with idempotent operations and full webhook tracking. See Initiate payout.
- Receive payments into named EUR and USD IBANs, or into segregated stablecoin and crypto wallets across seven blockchains. See Wallets.
- Hold balances across multiple wallets and currencies with full audit trail. See Companies.
- Convert between EUR, USD, stablecoins and crypto-assets in real time, with quote-confirm flows that mirror institutional FX. See Conversions.
- Collect stablecoin payments with hosted Payment Links, with optional auto-conversion to euro. See Payment links.
- Automate recurring conversions and payouts with rule-based workflows. See Automations.
- Onboard your own clients under Fipto's KYC reliance model. See KYC Reliance.
- Comply with the Travel Rule and Verification of Payee out of the box. See Travel Rule and Verify a euro beneficiary.
What's next
- Authenticate with the Fipto API — generate an RSA key pair, register the public key with Fipto and sign your first request.
- Set up a Fipto account — request access to the demo or production environment.
- Try the API in Postman — import the public collection and run signed requests in two minutes.
- Browse supported currencies and networks — confirm the fiat currencies, local payout corridors, stablecoins and chains available to your company.
Frequently asked questions
Is the Fipto API licensed?
Yes. Fipto holds two French licences: a Payment Institution licence from the ACPR (code 17908) and a MiCA CASP licence from the AMF (A2026-009). Fipto is also ISO 27001:2022 certified.
Which stablecoins and chains does Fipto support?
USDC on Ethereum, Arbitrum, Optimism, Polygon, Base and Solana; EURC on Ethereum and Base; EURCV on Ethereum. Fipto also supports BTC, ETH and SOL. The list enabled for your company is available at GET /assets; see Supported currencies and networks.
How do I authenticate against the Fipto API?
Every request is signed using the HTTP Signatures protocol with RSA-SHA256 (algorithm hs2019). Generate an RSA key pair, send the public key to Fipto and sign each request with the Host, Date, Signature and Digest headers. See Authentication.
How fast does Fipto settle?
Stablecoin transfers settle in seconds. Euro payouts settle over SEPA Instant or standard SEPA depending on the corridor. USD payouts settle over SWIFT. Internal conversions are real-time.
Is there a sandbox?
Yes. The demo environment is at api.demo.fipto.tech. The platform at demo.fipto.tech lets you test payments and conversions end-to-end before going live.
Does Fipto handle the Travel Rule and VoP?
Yes. Travel Rule data is attached per beneficiary, and Verification of Payee is performed automatically on euro beneficiaries before SEPA payouts.
What's Fipto's API uptime?
99.97% over the trailing ninety days, tracked publicly at status.fipto.com.