Fipto

Fipto operates a B2B payments and treasury platform that combines fiat and stablecoin rails in a single system. Clients can send, receive, hold and convert funds across more than 30 currencies, using multi-currency accounts with named EUR and USD IBANs connected to SEPA Instant and SWIFT, segregated stablecoin wallets, payment links for collections with optional automatic conversion to euros, and instant FX and on/off-ramp conversion. The platform is accessible through a web application, a REST API with webhooks and a sandbox environment, and through treasury management systems such as Kyriba.

The operating entity, Fipto PI SAS, is incorporated in France (company number 929 508 893) and is supervised by the ACPR (Banque de France) as a Payment Institution under interbanking code CIB 17908 and by the AMF as a MiCA Crypto-Asset Service Provider under authorisation A2026-009; the company states this makes it the first European payment provider to hold both licences, with EEA coverage via passporting. It is also ISO 27001:2022 certified and cites more than 40 security controls, continuous AML/CFT transaction monitoring, beneficiary whitelisting, multi-signature and 2FA, and fully segregated client funds. Earlier positioning, at the time of its 2023 seed round, described a corporate treasury management and international payments platform compatible with USDC, USDT, ETH and BTC, operating under French DASP registration obtained from the AMF in March 2023.

Founding story

The company was founded by a team including CEO Patrick Mollard, Business Development Director Grégoire Andrieu and COO Bertrand Godin; at the time of the seed round the founders were described as having more than 20 years of combined experience in banking and payments, with team members including a developer of a cryptocurrency exchange platform and a former head of sales at Coinhouse.

Business model

Fipto sells payments and treasury infrastructure to businesses, delivered via a web application, API, or integration with treasury management systems, with dedicated account management for larger clients.

Transaction-based pricing is disclosed for Payment Links: the beneficiary pays no transaction or withdrawal fees, while the payer pays 0.9% per transaction, with volume-based discounts and custom packages available on request.

Traction

Publicly cited indicators include over 20 liquidity partners, 99.97% API uptime over 90 days, T+0 settlement with most payments completed within 60 minutes, support for more than 30 currencies, and named clients and partners including TerraPay, Pandascore, Argo Freight, Ledger and Mantu (the latter two via Kyriba deployments).

Latest developments

In June 2026 Fipto reported that Ledger and Mantu had deployed live stablecoin payment flows within the Kyriba treasury management system, powered by Fipto. In March 2026 it launched Automations, a rule-based workflow feature for recurring treasury flows, and in February 2026 it announced a two-way EUR/BRL stablecoin corridor with Brazilian company Avenia. It also holds an AMF MiCA CASP authorisation numbered A2026-009.