EU CRYPTO REGISTER · AUTHORISED · LAST VERIFIED
Is FIPTO licensed under MiCA in the European Union?
FIPTO's European entity (FIPTO PI SAS) is recorded as an authorised Crypto-Asset Service Provider under the EU's Markets in Crypto-Assets Regulation, with its authorisation issued by France on 23 January 2026.
Verdict: FIPTO appears in the ESMA Register of MiCA-Authorised CASPs.
| Legal entity | FIPTO PI SAS |
|---|---|
| Home Member State | France |
| National Competent Authority | Autorité des Marchés Financiers (AMF) |
| Authorisation date | |
| Legal Entity Identifier (LEI) | 969500A0DYUNF5NX9R84 |
| Authorised services | Custody, Exchange for funds, Exchange for crypto, Order execution, Transfer services |
Source: ESMA Register of Crypto-Asset Service Providers. Retrieved 30 June 2026.
About FIPTO
FIPTO is an enterprise stablecoin payments and treasury platform operated by the French fintech company Fipto, headquartered in Paris, France. It is not a consumer crypto exchange but a business-to-business (B2B) payments infrastructure provider, marketing itself to payment service providers (PSPs) and corporate treasury teams who want to send, receive, hold and convert funds across fiat and stablecoin rails. The contracting legal entity is FIPTO PI SAS, and the company states it supports stablecoins such as USDC, EURC and EURCV alongside cryptocurrencies including BTC, ETH and SOL, with EUR and USD held through named, SEPA-enabled IBANs and segregated client funds. Source: fipto.com
On the regulatory question, FIPTO PI SAS is authorised as a crypto-asset service provider (CASP) under MiCA by the Autorité des Marchés Financiers (AMF) in France, under authorisation number A2026-009 granted on 23 January 2026. The MiCA CASP licence covers a defined set of crypto-asset services: custody and administration of crypto-assets on behalf of clients, exchange of crypto-assets for funds, exchange of crypto-assets for other crypto-assets, execution of orders for crypto-assets, and transfer services. It does not extend to services outside that list, and research indicates Fipto does not offer consumer-facing spot trading, savings or dollar-cost-averaging products, staking, or a crypto card. Sources: Fipto CASP authorisation details, Fipto MiCA licence announcement
Fipto operates under a dual-licence structure: in addition to the MiCA CASP authorisation from the AMF, it holds a Payment Institution licence from the French prudential regulator (ACPR) for fiat payouts and IBAN services. Fipto describes itself as "Europe's first payment provider to hold both a Payment Institution license for fiat and a MiCA CASP license for digital assets" - a claim made by the company itself rather than independently verified here. Because its offering is institutional payments infrastructure delivered via API, it is best understood as a regulated payments and treasury platform rather than a retail crypto product. Source: Fipto announcement
Which crypto services is FIPTO authorised to offer in the EU?
Under its MiCA authorisation issued by Autorité des Marchés Financiers (AMF), FIPTO (FIPTO PI SAS) is approved to provide the following services to EEA residents. Each service is defined in Article 3(1)(16) of Regulation (EU) 2023/1114.
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Providing custody and administration of crypto-assets on behalf of clients
The exchange holds your crypto in its own wallets. Authorisation here means MiCA's segregation and insurance rules apply: client crypto-assets must be ring-fenced from the exchange's own funds.
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Exchange of crypto-assets for funds
The exchange offers crypto-to-fiat (e.g. BTC to EUR) and fiat-to-crypto conversion. Authorisation here implies MiCA's pricing transparency requirements.
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Exchange of crypto-assets for other crypto-assets
The exchange offers crypto-to-crypto trading (e.g. BTC to ETH). Required for most spot trading pairs not denominated in fiat.
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Execution of orders for crypto-assets on behalf of clients
The exchange can place orders for you on third-party venues (smart-routing). Less common in retail crypto; relevant for brokerage-style services.
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Providing transfer services for crypto-assets on behalf of clients
The exchange can move crypto between addresses on your behalf, including off-platform withdrawals. The Travel Rule applies to these transfers.
Which services is FIPTO not authorised to offer?
FIPTO's MiCA licence does not cover: Trading platform, Placing, Order R&T, Advice, Portfolio mgmt. These services may still be offered by other authorised providers, or by FIPTO under a different regulatory framework (for example, derivatives may fall under MiFID II rather than MiCA). Source: ESMA Register, retrieved 30 June 2026.
See other MiCA-authorised exchanges by service:
Why is FIPTO licensed in France?
France ran one of the EU's earliest national crypto regimes, the PACTE Law DASP (Digital Asset Service Provider) registration, which gave the AMF years of pre-MiCA supervisory experience. The AMF began granting MiCA CASP authorisations in 2025-2026 and also maintains a public white list of CASPs passporting into France from other EEA states. BlockNodes SAS, the French entity behind the SwissBorg consumer brand, received its direct MiCA authorisation from the AMF in March 2026. Source: Autorité des Marchés Financiers (AMF).
| National Competent Authority | Autorité des Marchés Financiers (AMF) |
|---|---|
| Investor compensation | Fonds de Garantie des Dépôts et de Résolution (FGDR); check directly with the AMF for crypto-asset-specific compensation scope. |
| Regulatory context | Early mover on national crypto licensing (PACTE Law) ahead of MiCA; the AMF also publishes a white list of EEA-passported CASPs. |
What does this mean for users of FIPTO in the EU?
If you transact through FIPTO's EEA-authorised entity (FIPTO PI SAS), the protections introduced by MiCA apply to your relationship from onwards. In practical terms this means: client crypto-assets are ring-fenced from the exchange's own funds (Article 70 MiCA), the authorised entity holds prudential capital, has formal complaint-handling procedures, and is subject to transparency obligations on fees and order execution. Source: Regulation (EU) 2023/1114.
One thing to verify yourself: the legal entity you contract with day-to-day must match the entity in the ESMA register. Some global exchanges operate multiple legal entities under one brand. Confirm in FIPTO's terms of service that your contracting entity is FIPTO PI SAS, not a non-EEA affiliate.
Which MiCA-authorised exchanges are alternatives to FIPTO?
Three MiCA-authorised providers to consider. Drawn from the ESMA register, never paid placement.
| Provider | Home Member State | Authorised | Services |
|---|---|---|---|
| Alaric Securities | Bulgaria | 9 services | |
| OKX | Malta | 9 services | |
| Kraken | Ireland | 8 services |
Related reading
Understand the regulatory context behind FIPTO's entry on the register:
Frequently asked questions about FIPTO and MiCA
Is FIPTO licensed under MiCA?
Yes. FIPTO appears in the ESMA Register of MiCA-Authorised Crypto-Asset Service Providers, with its authorisation issued by the competent authority of France.
Which EU countries can FIPTO serve under this licence?
A MiCA authorisation in one EEA member state permits passporting across all EEA member states, subject to a notification process to each host-state regulator.
Are my crypto-assets on FIPTO protected under MiCA?
MiCA introduces ring-fencing of client crypto-assets, prudential capital requirements for the authorised entity, complaint-handling obligations, and conduct rules. It does not provide a deposit-guarantee scheme equivalent to bank deposit insurance.
What's the difference between the authorised entity and the global brand?
Some global exchanges operate multiple legal entities. The MiCA authorisation applies only to the specific legal entity in the ESMA register, not to the global brand. Verify the contracting entity in FIPTO's terms of service.
Where can I check the official record?
The ESMA register publishes the authoritative list and updates it weekly. The direct link to FIPTO's entry is on this page under 'Sources'.
Sources
This page is updated weekly. Last verified . If you believe any information on this page is inaccurate, write to our contact page.