Fipto, the regulated infrastructure provider for B2B payments, has been granted a Crypto-Asset Service Provider (CASP) licence by the French Autorité des Marchés Financiers (AMF).
The milestone makes Fipto the first European stablecoin payment player to hold both a Payment Institution (PI) licence—granted by the ACPR—and a full CASP licence.
Bridging the gap between Fiat and Crypto
The acquisition of this dual regulatory status allows Fipto to manage the entire “payment value chain” under a single compliance framework. By combining the two licences in France—a Tier-1 jurisdiction—the company is positioning itself to bridge the gap between traditional fiat currencies and digital assets.
This unified model is designed to align with the latest recommendations from the European Banking Authority (EBA) regarding the interplay between payment services and the Markets in Crypto-Assets (MiCA) regulation. By owning the end-to-end transaction lifecycle, Fipto aims to offer clients maximum oversight for both Euros and stablecoins within a single entity.
Patrick Mollard, CEO and co-founder of Fipto, commented: “Getting the MiCA license is more than a regulatory milestone; it is proof that our infrastructure matches the rigor of the world’s most established financial institutions. From our governance structures to our risk management protocols, we have built a platform that provides the transparency and resilience that public companies and major financial actors demand. By unifying the PI and CASP frameworks, we are offering the first truly institutional-grade gateway for global stablecoin payments.”
A ‘Safe Harbour’ ahead of MiCA deadline
The announcement comes at a critical time for the European digital asset market. As legacy “grandfathered” regimes are set to expire across the EU, the full implementation of MiCA is approaching.
Fipto states that this milestone provides a critical “Safe Harbour” for businesses ahead of the 1 July 2026 deadline. With the new licences, Fipto secures EU-wide passporting, ensuring its clients maintain uninterrupted, fully regulated access to the entire European market while other providers may face continuity challenges.
The company’s platform, accessible via a single API, offers vertical integration that removes the need for third-party intermediaries for fiat pay-ins, currency conversion, or blockchain settlement. This structure is designed to accelerate treasury moves and merchant payouts with near-instant settlement and 24/7 availability.
By meeting these rigorous prudential and AML/CFT assessments now, Fipto is signalling a shift toward operational maturity in the crypto sector, offering the security of a traditional bank combined with the programmable speed of blockchain technology.