Fipto Becomes Europe’s First Dual-licenced Stablecoin Payment Institution with New MiCA Licence

WHY THIS MATTERS:
Regulation is fast becoming the defining battleground for stablecoin payments in Europe. As MiCA moves from policy to enforcement, many crypto-native payment models are being tested against the operational, prudential and governance standards long expected of traditional financial institutions. Securing both payment and crypto-asset authorisation under a single framework signals a shift toward fully regulated, end-to-end stablecoin infrastructure. This approach addresses one of the market’s biggest challenges: fragmentation between fiat payment rails and digital asset settlement. As legacy exemptions expire and passporting becomes essential for cross-border continuity, providers that can operate seamlessly across both worlds are likely to become the preferred partners for enterprises and PSPs seeking certainty, resilience and scale.

Fipto, the leading regulated payment infrastructure for stablecoins, today announced it has been granted the Crypto-Asset Service Provider (CASP) licence by the French Autorité des Marchés Financiers (AMF). With this milestone, Fipto becomes the first European stablecoin payment player to hold both a Payment Institution (PI) licence and a full CASP licence.

This dual-authorisation status allows Fipto to manage the entire “payment value chain,” bridgeing the gap between traditional fiat currencies and digital assets under a single compliance framework.

By combining a Payment Institution licence (ACPR) with a CASP licence (AMF) in France – a Tier-1 jurisdiction – Fipto proactively aligns with the latest recommendations from the European Banking Authority (EBA) regarding the necessary interplay between payment services and MiCA. This unified model allows Fipto to master every step of the transaction, ensuring maximum security and operational speed.

As MiCA establishes itself as the definitive global blueprint for digital asset regulation, the authorisation process serves as a rigorous filter for the industry.

Fipto’s successful navigation of these extensive prudential, operational, and AML/CFT assessments signals a new era of B2B financial infrastructure. By meeting these requirements today, Fipto offers a level of operational maturity that was previously exclusive to traditional finance.

Fipto now owns the end-to-end transaction lifecycle, offering the most rigorous oversight for both Euros and stablecoins within one entity. This unified infrastructure is accessible via a single API, providing mission-critical advantages for PSPs, Large Enterprises, Funds, and Brokers alike:

• Vertical Integration: Manage fiat pay-in, currency conversion, and blockchain settlement without third-party intermediaries, ensuring total transparency and faster global flows.
• Operational Speed & Availability: Accelerate treasury moves and merchant payouts with near-instant settlement and 24/7 availability.
• Institutional Security: Optimise capital mobility by moving funds with the security of a traditional bank and the programmable speed of the blockchain.

This milestone provides a critical “Safe Harbour” for businesses ahead of the July 1, 2026, MiCA deadline.

As legacy “grandfathered” regimes expire across the EU, many providers will no longer be able to ensure continuity of service or cross-border operations.

Fipto’s EU-wide passporting ensures that its clients maintain uninterrupted, fully-regulated access to the entire European market.

“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,”said Patrick Mollard, CEO and Co-founder of Fipto. “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.”

FF NEWS TAKE:
This dual licence sets a high bar for stablecoin payment providers in Europe. The real impact will be felt as MiCA deadlines approach and less-prepared players fall away. Watch closely whether fully integrated, regulated models like this become the default for institutional stablecoin adoption across the EU.