Fipto provides an enterprise‑grade payments platform that lets businesses send, receive, hold, and convert fiat and stablecoins globally in real time via a single API and web interface. The service offers named EUR/USD IBANs, segregated blockchain wallets, instant FX conversion, and bulk payout tools while maintaining dual European payment institution and MiCA CASP licensing and ISO 27001 security.
Funding
$16M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
MVFounders
Product
Problem
Businesses that operate internationally face slow settlement times, high fees, and fragmented processes when using traditional banking channels for cross‑border payments and currency conversions. These inefficiencies limit treasury visibility and increase operational costs.
Solution
Fipto offers an enterprise‑grade payments platform that combines fiat and stablecoin rails to enable real‑time global settlements. Users can send, receive, hold, and convert funds across multiple currencies—including EUR, USD, and major stablecoins—through a single API and web interface. The platform provides named IBANs for fiat accounts and segregated blockchain wallets, allowing instant payouts, bulk disbursements, and automated FX conversions with transparent rates. Built on a dual‑licensed regulatory framework (European Payment Institution and MiCA CASP) and ISO 27001 certification, Fipto ensures compliance, AML/CFT monitoring, and secure custody. By leveraging blockchain’s 24/7 availability and traditional banking networks, the service reduces settlement latency, lowers transaction costs, and offers treasury teams real‑time visibility and control over multi‑currency balances.
Target Audience
Primary customers are payment service providers, crypto brokerage firms, and global enterprises that need to automate cross‑border payouts, receive payments, and manage multi‑currency treasury operations.
Features
- Named EUR and USD IBANs plus unlimited virtual IBANs for streamlined reconciliation
- Integrated stablecoin wallets supporting top‑tier assets on multiple blockchains (Ethereum, Polygon, Arbitrum, Optimism, Base)
- Real‑time fiat‑stablecoin conversion engine with competitive FX rates and both self‑service eOTC and phone‑based OTC desk options
- Bulk payout and payment‑link capabilities via API or web UI, supporting instant settlement on blockchain, SEPA Instant, SEPA Credit Transfer, and SWIFT
- Full regulatory compliance: dual European Payment Institution and MiCA CASP licenses, ISO 27001 certification, continuous AML/CFT monitoring, and fully segregated funds
- API‑first architecture with sandbox environment, enabling seamless integration into existing platforms and treasury systems
- Multi‑chain support and deep liquidity ensuring minimal slippage and no transaction size limits