EUR and USD business accounts, local currency payouts in BRL, MXN, COP, SGD, HKD, PHP and CNY, USDC, EURC and EURCV stablecoins, and BTC, ETH and SOL.
Fipto settles in fiat and in stablecoins under a single regulated framework. Coverage falls into four groups: business accounts in EUR and USD, local currency payouts in seven currencies, stablecoins (USDC, EURC, EURCV) and other crypto-assets (BTC, ETH, SOL). The assets you can hold in a Fipto wallet are returned by GET /assets; local payout currencies are not, because they are delivered by automatic conversion rather than held.
At a glance
| Group | Currencies and assets | Direction |
|---|---|---|
| Business accounts | EUR, USD | EUR Pay-in and payout, USD Payin |
| Local currency payouts | BRL, MXN, COP, SGD, HKD, PHP, CNY | Payout |
| Stablecoins | USDC, EURC, EURCV | Pay-in and payout |
| Other crypto-assets | BTC, ETH, SOL | Pay-in and payout |
Business accounts
Named accounts with dedicated IBANs and unlimited virtual IBANs, connected to SEPA and SWIFT.
| Asset code | Currency | Rails | Direction |
|---|---|---|---|
EUR | Euro | SEPA, SEPA Instant (24/7) | Pay-in, payout |
USD | US Dollar | SWIFT | Pay-in |
Named accounts let your business name appear as the official source or recipient on every transfer, which removes verification delays for your counterparties. See Set up a named EUR or USD account.
USD accounts require an explicit onboarding step: call POST /companies/{company_id}/onboarding/usd. Fipto's compliance team reviews each request before activation.
Local currency payouts
Payouts originate inside the European Union, settle in USDC through Circle Payments Network, and arrive in local currency on the domestic rails beneficiaries already use. You get one all-in rate, fixed when the payment is approved.
| Currency code | Name | Rails | Direction |
|---|---|---|---|
| BRL | Brazilian Real | PIX | Payout |
| MXN | Mexican Peso | SPEI | Payout |
| COP | Colombian Peso | Bank transfer, Nequi | Payout |
| SGD | Singapore Dollar | Bank transfer | Payout |
| HKD | Hong Kong Dollar | FPS, CHATS, Wire | Payout |
| PHP | Philippine Peso | PESONet | Payout |
| CNY | Chinese Yuan | CIPS, Wire | Payout |
Use the currency code (for example BRL) as the payout currency. These currencies are not wallet assets: you cannot hold a balance in them and they do not appear in GET /assets. Funds are converted automatically from your source wallet when the payout is made.
Required beneficiary details, limits and settlement times vary by corridor. Contact your Fipto account manager to enable a corridor for your company.
Stablecoins
Pay-in and payout, 24 hours a day.
| Asset code | Currency | Network | Direction |
|---|---|---|---|
USDC | USDC | Ethereum | Pay-in, payout |
USDC_ARBITRUM | USDC | Arbitrum | Pay-in, payout |
USDC_OPTIMISM | USDC | Optimism | Pay-in, payout |
USDC_POLYGON | USDC | Polygon | Pay-in, payout |
USDC_BASE | USDC | Base | Pay-in, payout |
USDC_SOL | USDC | Solana | Pay-in, payout |
EURC | EURC | Ethereum | Pay-in, payout |
EURC_BASE | EURC | Base | Pay-in, payout |
EURCV_ERC20 | EURCV | Ethereum | Pay-in, payout |
Other crypto-assets
Custody, transfer and conversion under Fipto's MiCA CASP licence.
| Asset code | Currency | Network | Direction |
|---|---|---|---|
BTC | BTC | Bitcoin | Pay-in, payout |
ETH | ETH | Ethereum | Pay-in, payout |
ETH_ARBITRUM | ETH | Arbitrum | Pay-in, payout |
ETH_OPTIMISM | ETH | Optimism | Pay-in, payout |
ETH_BASE | ETH | Base | Pay-in, payout |
SOL | SOL | Solana | Pay-in, payout |
Stablecoin and crypto transfers settle in seconds once the network has confirmed the transaction.
Dynamic asset list
Coverage is extended on an ongoing basis. Retrieve the wallet assets enabled for your company at any time (local payout currencies are not included):
GET /companies/{company_id}/assetsSee the full request and response in Get supported assets.
Frequently asked questions
Which currencies can I pay out in with the Fipto API?
EUR (SEPA, SEPA Instant) and USD (SWIFT) from your business accounts, plus local currency payouts in BRL, MXN, COP, SGD, HKD, PHP and CNY, as well as all supported stablecoins and crypto-assets.
Can I receive funds in BRL, MXN or other local currencies?
No. Local currencies are payout-only. Pay-ins are available in EUR, USD, stablecoins and crypto-assets.
Why don't BRL, MXN and the other local currencies appear in GET /assets?
GET /assets lists the assets you can hold in a Fipto wallet and use directly for pay-in and payout. Local payout currencies are delivered by automatic conversion at payout time, so there is no wallet or balance in them.
Which stablecoins does the Fipto API support?
USDC on Ethereum, Arbitrum, Optimism, Polygon, Base and Solana; EURC on Ethereum and Base; EURCV on Ethereum.
Which blockchains does the Fipto API support?
Bitcoin, Ethereum, Arbitrum, Optimism, Polygon, Base and Solana.
How are local currency payouts priced?
One all-in rate, fixed at the moment the payment is approved.
Does Fipto support USDT?
Not today. The team adds assets and chains based on regulatory coverage, liquidity and customer demand.
What is a named IBAN?
A bank account number assigned to your company, where transfers show your business name as the source or destination: EUR over SEPA and SEPA Instant, USD over SWIFT.