Get started with Fipto

Welcome. This guide explains how to get access to Fipto and start building with the API. Fipto is a B2B stablecoin payments infrastructure for sending, receiving, holding and converting funds across fiat and stablecoin rails, dual-licensed in France as a Payment Institution and a MiCA CASP.

Quick facts

Demo platform: demo.fipto.tech

Demo API host: api.demo.fipto.tech

Production platform: fipto.app

Production API host: api.fipto.app

Authentication: RSA-SHA256 HTTP Signatures (hs2019)

Onboarding: Demo first, then KYB for production

Contact: fipto.com/demo

1. Request access

Account creation is initiated by Fipto. Request access at fipto.com/demo and a member of the team will be in touch to scope your use case.

2. Choose your environment

Fipto provides two environments:

Environment	Platform URL	API host	Use it for
Demo	demo.fipto.tech	`api.demo.fipto.tech`	Testing payments, conversions, payment links and webhooks end-to-end
Production	fipto.app	`api.fipto.app`	Live transfers after KYB approval

You can use the demo environment as soon as your account is created. Production access is granted once your company has successfully completed Know Your Business (KYB) due diligence.

3. Generate API credentials

To use the API, you need an RSA key pair. Generate one and send Fipto your public key. We register it and reply with your API user UUID, which acts as the keyId in every signed request.

##PRIVATE KEY
openssl genrsa -out private-key.rsa 2048
openssl pkcs8 -topk8 -inform PEM -outform PEM -nocrypt -in private-key.rsa -out private-key.pem

##PUBLIC KEY
openssl rsa -in private-key.rsa -pubout -out public-key.pem

In the Fipto web application, go to Settings > API integrations, click Create integration and upload the public key file (public-key.pem in the example above) or paste its content. Once the integration is created, its Key ID is your api key (referred as keyId in documentation).

4. Make your first signed request

The fastest path is to import the Fipto Postman collection, which includes the signing script. See Postman setup.

If you prefer to roll your own, the Authenticate with the Fipto API page contains a complete cURL example you can copy.

5. Build with the API

Once authenticated, your most common journeys are:

Create a wallet: POST /companies/{company_id}/wallets
Add a beneficiary: POST /companies/{company_id}/beneficiaries
Send a payout: POST /companies/{company_id}/payouts
Quote and confirm a conversion: POST /companies/{company_id}/quotes then PATCH /quotes/{quote_id}
Create a Payment Link: POST /companies/{company_id}/payment-links
Subscribe to events: see Webhooks

Frequently asked questions

How do I get a Fipto account?

Request access at fipto.com/demo. Your account manager will guide you through demo access and KYB for production.

Is Fipto licensed?

Yes. Fipto is dual-licensed in France: Payment Institution (ACPR, code 17908) and MiCA CASP (AMF, A2026-009). It is also ISO 27001:2022 certified.

What does KYB involve?

Know Your Business is the standard compliance check Fipto performs on every company before activating production. Expect to provide incorporation documents, beneficial owner details, and information about the funds and counterparties involved in your activity.

Can I get production access without going through demo?

No. The demo environment is a prerequisite. It lets you verify the integration before any funds move.