Fipto

Fipto is a France-regulated B2B stablecoin payments and treasury infrastructure company for payment service providers, large enterprises, crypto brokers, and funds, addressing slow cross-border B2B settlement, bank-hour limits, and fragmented compliance. Its mechanism uses stablecoins as the settlement layer: through a single API, web platform, or TMS, firms send, receive, and manage funds while fiat pay-in, currency conversion, and on-chain settlement are vertically integrated in the backend without third-party intermediaries; holding a French ACPR Payment Institution license and an AMF MiCA CASP license, it places fiat rails and regulated digital assets under one compliance framework with built-in KYT, Travel Rule, and AML monitoring. Clients such as Ledger use it to pay suppliers in USDC.

Fipto's position in stablecoin payments is as a dual-licensed B2B rail, partnering with Circle Payments Network, Worldline, and Kyriba across cross-border collection, liquidity management, and payout. It embeds stablecoin settlement into enterprises' existing ERP and treasury systems so finance teams achieve near-instant, 24/7 on-chain clearing without new tools, and with partners like Spiko extends idle balances into regulated UCITS money-market funds.