“Can a regulated crypto-to-fiat gateway become the default embedded crypto payment and card infrastructure for European businesses navigating MiCA?”
Founded as a consumer Bitcoin wallet and exchange, Cryptopay gradually expanded into B2B crypto payment infrastructure — offering merchants crypto payment acceptance, multi-currency settlement, and corporate prepaid crypto cards. It has obtained VASP licenses in Estonia and Luxembourg and an MSB registration in Canada, positioning itself as a regulated crypto-to-fiat gateway for businesses. The company is now preparing for MiCA compliance and has added open-banking connectivity (PSD2 Berlin Group API via Salt Edge), signalling a move toward acting as a regulated payment institution across the EU rather than purely a crypto processor.