“Can a dual-licensed European fintech become the default regulated settlement rail between fiat and stablecoins for PSPs and enterprise treasury?”
Founded in 2022 as Numias, Fipto rebranded and positioned itself as a B2B stablecoin payments infrastructure for enterprises, PSPs and crypto brokers. The strategic bet is becoming Europe's first dual-licensed (ACPR Payment Institution + MiCA CASP) provider that unifies fiat and stablecoin rails under one regulated roof, including a white-label (Fipto Embedded) offering.
Fipto discloses Fipto PI SAS (in-house) and Modulr as its banking providers, according to the Embedded Finance Index 2026.
Fipto does not disclose a bank charter of its own; its banking services are provided through Fipto PI SAS (in-house) and Modulr.
Fipto processes payments through Fipto (self-operated). Disclosed money-movement rails: SWIFT, SEPA Instant and SEPA.
Fipto uses Fipto (self-operated) for FX and cross-border payouts.
Fipto's crypto products run on Fipto (self-operated), Fipto PI SAS (in-house) and fireblocks.
The Embedded Finance Index 2026 maps 5 layers in Fipto's stack: Payments / PSP (Fipto (self-operated)); Money movement (SWIFT, SEPA Instant and SEPA); Banking / BaaS (Fipto PI SAS (in-house) and Modulr); FX & payouts (Fipto (self-operated)); Crypto (Fipto (self-operated), Fipto PI SAS (in-house) and fireblocks).
Fipto is founded in 2022 and headquartered in Nanterre, France.
Fipto has raised €15M+ in total (latest round: Seed, 2023 (€15M / $16.3M)).
Get a read on where your own stack stands against Fipto and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.