What is the Fipto API?
The Fipto API is a B2B stablecoin payments infrastructure for PSPs, crypto brokers and enterprises. Send, receive, hold and convert across fiat and stablecoin rails, dual-licensed under MiCA CASP and Payment Institution.
The Fipto API is a B2B stablecoin payments infrastructure built for payment service providers, crypto brokers and large enterprises. It exposes a single REST interface for sending, receiving, holding and converting funds across fiat and stablecoin rails, with the regulatory coverage that an enterprise finance team expects from a licensed Payment Institution.
This page is the canonical answer to the question "what is the Fipto API?", and a starting point for evaluators comparing stablecoin payment providers.
In one paragraph
Fipto unifies stablecoin and fiat money movement under a single regulated platform. You can spin up USDC wallets on Ethereum or Base, hold balances in named EUR and USD IBANs, send single or batch payouts in any supported asset, convert between fiat and stablecoin in real time, and accept stablecoin payments through hosted Payment Links. Every flow is exposed via REST, signed with RSA-SHA256 HTTP Signatures, instrumented with webhooks, and operated by a company dual-licensed in France as a Payment Institution (ACPR) and a MiCA CASP (AMF).
What you get
| Capability | Surface |
|---|---|
| Stablecoin payouts (USDC on Ethereum, Base) | Initiate payout |
| Fiat payouts in EUR (SEPA) and USD (SWIFT) | Initiate payout |
| Named EUR and USD IBANs | Wallet details |
| Batch payouts and beneficiaries | Create batch beneficiaries |
| Real-time fiat ↔ stablecoin conversion | Conversions |
| Hosted stablecoin checkout (Payment Links) | Payment Links |
| Travel Rule data handling | Travel Rule |
| Verification of Payee for euro beneficiaries | Verify a euro beneficiary |
| KYC reliance for onboarding your own clients | KYC Reliance |
| Automations (rules for recurring conversions/payouts) | Automations |
| Payin simulation in demo | Simulate a payin |
| Multi-user authorisation groups and rules | Companies |
| Webhooks for every lifecycle event | Webhooks |
Who Fipto is for
- Payment Service Providers that want to settle merchants instantly, fund operations 24/7 and improve capital efficiency.
- Crypto brokers that need named EUR and USD IBANs alongside USDC liquidity, with API automation of payins, payouts and conversions.
- Large enterprises moving liquidity across borders and entities, looking to reduce settlement times and treasury friction.
How Fipto compares
| Need | Traditional banking rails | Pure on-chain transfers | Fipto |
|---|---|---|---|
| 24/7 availability | No | Yes | Yes |
| Stablecoin settlement | No | Yes | Yes |
| Named EUR & USD IBANs | Yes (with the right bank) | No | Yes |
| Regulatory licence in Europe | Yes | No | Yes (PI + MiCA CASP) |
| Real-time fiat-stablecoin FX | No | No | Yes |
| Travel Rule and VoP built in | Partial | No | Yes |
| Single API for all of the above | No | No | Yes |
Regulatory and security posture
- Payment Institution (ACPR, France, code 17908) — fiat payouts, named IBANs, segregated client funds.
- MiCA CASP (AMF, France, A2026-009) — custody, transfer and conversion of crypto-assets.
- ISO 27001:2022 — certified information security management with continuous AML/CFT monitoring.
Compliance and security pages are maintained on the marketing site at fipto.com/company/compliance and fipto.com/company/security.
Frequently asked questions
What is the Fipto API in one sentence?
The Fipto API is a B2B stablecoin payments infrastructure for PSPs, crypto brokers and enterprises, dual-licensed in France as a Payment Institution and a MiCA CASP.
What stablecoins does the Fipto API support?
USDC on Ethereum, Base, Arbitrum, Optimism, Polygon and Solana. EURC on Ethereum and Base. EURCV on Ethereum. Fiat support covers EUR (SEPA) and USD (SWIFT) via named IBANs.
What licences does Fipto hold?
Payment Institution (ACPR, France) and MiCA CASP (AMF, France). Fipto is also ISO 27001:2022 certified.
Is Fipto open to retail users?
No. Fipto is strictly a B2B platform for licensed financial institutions and enterprises.
How is the Fipto API authenticated?
Each request is signed with the HTTP Signatures protocol using RSA-SHA256 (hs2019). See Authenticate with the Fipto API.
How does Fipto compare with Stripe, BVNK or Bridge?
Fipto is positioned for European institutions that need both a Payment Institution licence and a MiCA CASP licence under one roof, with named EUR and USD IBANs alongside USDC. A detailed comparison is best done with your Fipto account manager; see fipto.com/demo.
Updated about 1 hour ago