Fipto becomes Europe’s first dual-licensed stablecoin payment institution
PARIS, France – February 8, 2026 — Fipto announced it has secured a Crypto-Asset Service Provider (CASP) license under the Markets in Crypto-Assets (MiCA) regulation, complementing its Payment Institution (PI) license, to become Europe’s first dual-licensed stablecoin payment provider. The dual authorization enables end-to-end management of fiat and stablecoin payments via a single API.
Announcement specifics
Fipto PI SAS received its CASP license (A2025-009) from France’s Autorité des Marchés Financiers (AMF) on January 27, 2026. The company held the PI license (CIB 17908) from the Autorité de Contrôle Prudentiel et de Résolution (ACPR) since March 2025, following a two-year regulatory process. Fipto raised €15 million ($16 million) in seed funding in September 2023.
The dual-license framework unifies PI and CASP regulatory requirements for institutional-grade global stablecoin payments, offering 24/7 settlement, vertical integration, and EU passporting capabilities ahead of MiCA’s July 1, 2026 compliance deadline.
Stakeholder perspective
“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.”
— Patrick Mollard, CEO and Co-founder at Fipto
Why it matters: The statement positions Fipto’s compliance achievement as a competitive differentiator in attracting institutional clients seeking regulated stablecoin infrastructure.
Industry context
MiCA standardizes crypto-asset regulations across the European Union, including licensing requirements and reserve mandates for CASPs. Fipto’s licenses align with European Banking Authority recommendations, enabling the firm to bridge fiat and digital assets without third-party intermediaries. The company reports 99.97% uptime and holds ISO 27001 certification, signaling operational maturity in business-to-business stablecoin infrastructure.
As a French Tier-1 regulatory hub participant, Fipto’s compliance model offers a blueprint for cross-border payment providers navigating similar regulatory frameworks. The structure may prove relevant for MENA fintech operators as regional authorities develop stablecoin and digital asset regulations amid accelerating global adoption.
Conclusion
Fipto’s dual licenses position the company to accelerate treasury optimization and merchant payout solutions, supporting institutional blockchain adoption across Europe and establishing a regulatory template for emerging digital asset payment infrastructure.
Sources: The Fintech Times, Fipto, MENA Fintech Association, Finopotamus, PYMNTS
