Fipto

Fipto is a Paris-based enterprise stablecoin payments and multi-currency accounts platform that lets businesses send and receive both fiat and stablecoin payments, hold multi-asset wallets with EUR and USD named accounts, convert between fiat and digital currencies, and automate treasury and reconciliation. It is licensed as a Payment Institution by France's ACPR (code 17908) and as a Crypto-Asset Service Provider by the AMF under MiCA (authorization A2026-009), and is ISO/IEC 27001:2022 certified. Fipto publishes a REST API (OpenAPI 3.0.3) covering wallets, beneficiaries, payouts, transactions, conversions, payment links, automation rules and an AISP/PISP access surface, plus signed webhooks and an open-source Model Context Protocol server for AI agents.

Fipto publishes 12 APIs on the APIs.io network, including AISP/PISP API, Assets API, Automations API, and 9 more. Tagged areas include Company, Blockchain, Payments, Stablecoins, and Banking.

The Fipto catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Fipto’s developer surface includes documentation, API reference, getting-started guide, authentication, support, engineering blog, signup flow, and 27 more developer resources.

🌐 Visit website 📡 Source on GitHub

52.7/100 developing ▬ flat Agent 34/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessApproval

2 APIs 1 MCP Servers

Company Blockchain Payments Stablecoins Banking Treasury Cross-Border Payments Digital Currency Fintech Wallets

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

AISP/PISPBeneficiaries

POST /companies/{company_id}/aisp-pisp POST /companies/{company_id}/aisp-pisp/wallets/{wallet_id}/payouts POST /companies/{company_id}/beneficiaries POST /companies/{company_id}/beneficiaries/{beneficiary_id}/verify

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 52.7/100 · developing

Contract Quality 10.8 / 19

Developer Ergonomics 8.8 / 15

Access Clarity 7.5 / 15

Operational Transparency 1.5 / 10

Contract Governance 1.6 / 9

Discoverability 5.7 / 8

Regulatory Posture 10.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 34/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/fipto: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 12

Individual APIs this provider publishes, each with its own machine-readable definition.

Fipto AISP/PISP API

Endpoints for AISP/PISP.

Fipto Assets API

Retrieve information about assets supported by Fipto.

Fipto Automations API

The Automations API from Fipto — 2 operation(s) for automations.

Fipto Beneficiaries API

Manage your beneficiaries to whitelist addresses for payout.

Fipto Companies API

Manage information and settings of a company.

Fipto Conversions API

Manage conversions.

Fipto Internal Transfers API

The Internal Transfers API from Fipto — 1 operation(s) for internal transfers.

Fipto Payin Simulation API

The Payin Simulation API from Fipto — 1 operation(s) for payin simulation.

Fipto Payment links API

Manage payment links.

Fipto Transactions API

Initiate payout and retrieve information about ongoing and completed transactions.

Fipto Travel Rule API

The Travel Rule API from Fipto — 1 operation(s) for travel rule.

Fipto Wallets API

Manage wallets and their related wallet details.

Scroll for all 12

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Fipto MCP Server

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Fipto Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Fipto Rate Limits

0 limits

RATE LIMITS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Fipto Webhooks

ASYNCAPI

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Fipto Authentication

httpSignature · 1 scheme

SECURITY

Fipto Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Fipto Trust Center

ISO/IEC 27001:2022

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Fipto Agentic Access

52 operations · 24 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

LLMsTxt

MCPServer

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

Components

DataModel

Webhooks

Scroll for all 7

Build 2

SDKs, sample code, and the tooling you integrate with

Postman

Postman

Packages

Packages

Access & Security 4

Authentication, authorization, and security posture

Authentication

Compliance

DomainSecurity

TrustCenter

Operate 3

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Plans

Plans

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: fipto
name: Fipto
description: Fipto is a Paris-based enterprise stablecoin payments and multi-currency accounts platform that lets businesses
  send and receive both fiat and stablecoin payments, hold multi-asset wallets with EUR and USD named accounts, convert between
  fiat and digital currencies, and automate treasury and reconciliation. It is licensed as a Payment Institution by France's
  ACPR (code 17908) and as a Crypto-Asset Service Provider by the AMF under MiCA (authorization A2026-009), and is ISO/IEC
  27001:2022 certified. Fipto publishes a REST API (OpenAPI 3.0.3) covering wallets, beneficiaries, payouts, transactions,
  conversions, payment links, automation rules and an AISP/PISP access surface, plus signed webhooks and an open-source Model
  Context Protocol server for AI agents.
url: https://raw.githubusercontent.com/api-evangelist/fipto/refs/heads/main/apis.yml
x-type: company
x-source: serena-portfolio
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Requires approval
  confidence: medium
  source:
  - plans
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
specificationVersion: '0.23'
created: '2026-08-17'
modified: '2026-08-17'
image: https://kinlane-productions2.s3.amazonaws.com/apis-json/apis-json-logo.jpg
tags:
- Company
- Blockchain
- Payments
- Stablecoins
- Banking
- Treasury
- Cross-Border Payments
- Digital Currency
- Fintech
- Wallets
apis:
- aid: fipto:fipto-aisp-pisp-api
  name: Fipto AISP/PISP API
  description: Endpoints for AISP/PISP.
  humanURL: https://docs.fipto.com/reference/getting-started
  baseURL: https://api.fipto.app
  tags:
  - AISP/PISP
  properties:
  - type: OpenAPI
    url: openapi/fipto-aisp-pisp-api-openapi.yml
  - type: Documentation
    url: https://docs.fipto.com/
  - type: APIReference
    url: https://docs.fipto.com/reference/getting-started
  - type: Authentication
    url: authentication/fipto-authentication.yml
  - type: Webhooks
    url: asyncapi/fipto-webhooks.yml
  - type: ToolCrosswalk
    url: mcp/fipto-tool-crosswalk.yml
- aid: fipto:fipto-assets-api
  name: Fipto Assets API
  description: Retrieve information about assets supported by Fipto.
  humanURL: https://docs.fipto.com/reference/getting-started
  baseURL: https://api.fipto.app
  tags:
  - Assets
  properties:
  - type: OpenAPI
    url: openapi/fipto-assets-api-openapi.yml
  - type: Documentation
    url: https://docs.fipto.com/
  - type: APIReference
    url: https://docs.fipto.com/reference/getting-started
  - type: Authentication
    url: authentication/fipto-authentication.yml
  - type: Webhooks
    url: asyncapi/fipto-webhooks.yml
  - type: ToolCrosswalk
    url: mcp/fipto-tool-crosswalk.yml
- aid: fipto:fipto-automations-api
  name: Fipto Automations API
  description: The Automations API from Fipto — 2 operation(s) for automations.
  humanURL: https://docs.fipto.com/reference/getting-started
  baseURL: https://api.fipto.app
  tags:
  - Automations
  properties:
  - type: OpenAPI
    url: openapi/fipto-automations-api-openapi.yml
  - type: Documentation
    url: https://docs.fipto.com/
  - type: APIReference
    url: https://docs.fipto.com/reference/getting-started
  - type: Authentication
    url: authentication/fipto-authentication.yml
  - type: Webhooks
    url: asyncapi/fipto-webhooks.yml
  - type: ToolCrosswalk
    url: mcp/fipto-tool-crosswalk.yml
- aid: fipto:fipto-beneficiaries-api
  name: Fipto Beneficiaries API
  description: Manage your beneficiaries to whitelist addresses for payout.
  humanURL: https://docs.fipto.com/reference/getting-started
  baseURL: https://api.fipto.app
  tags:
  - Beneficiaries
  properties:
  - type: OpenAPI
    url: openapi/fipto-beneficiaries-api-openapi.yml
  - type: Documentation
    url: https://docs.fipto.com/
  - type: APIReference
    url: https://docs.fipto.com/reference/getting-started
  - type: Authentication
    url: authentication/fipto-authentication.yml
  - type: Webhooks
    url: asyncapi/fipto-webhooks.yml
  - type: ToolCrosswalk
    url: mcp/fipto-tool-crosswalk.yml
- aid: fipto:fipto-companies-api
  name: Fipto Companies API
  description: Manage information and settings of a company.
  humanURL: https://docs.fipto.com/reference/getting-started
  baseURL: https://api.fipto.app
  tags:
  - Companies
  properties:
  - type: OpenAPI
    url: openapi/fipto-companies-api-openapi.yml
  - type: Documentation
    url: https://docs.fipto.com/
  - type: APIReference
    url: https://docs.fipto.com/reference/getting-started
  - type: Authentication
    url: authentication/fipto-authentication.yml
  - type: Webhooks
    url: asyncapi/fipto-webhooks.yml
  - type: ToolCrosswalk
    url: mcp/fipto-tool-crosswalk.yml
- aid: fipto:fipto-conversions-api
  name: Fipto Conversions API
  description: Manage conversions.
  humanURL: https://docs.fipto.com/reference/getting-started
  baseURL: https://api.fipto.app
  tags:
  - Conversions
  properties:
  - type: OpenAPI
    url: openapi/fipto-conversions-api-openapi.yml
  - type: Documentation
    url: https://docs.fipto.com/
  - type: APIReference
    url: https://docs.fipto.com/reference/getting-started
  - type: Authentication
    url: authentication/fipto-authentication.yml
  - type: Webhooks
    url: asyncapi/fipto-webhooks.yml
  - type: ToolCrosswalk
    url: mcp/fipto-tool-crosswalk.yml
- aid: fipto:fipto-internal-transfers-api
  name: Fipto Internal Transfers API
  description: The Internal Transfers API from Fipto — 1 operation(s) for internal transfers.
  humanURL: https://docs.fipto.com/reference/getting-started
  baseURL: https://api.fipto.app
  tags:
  - Internal Transfers
  properties:
  - type: OpenAPI
    url: openapi/fipto-internal-transfers-api-openapi.yml
  - type: Documentation
    url: https://docs.fipto.com/
  - type: APIReference
    url: https://docs.fipto.com/reference/getting-started
  - type: Authentication
    url: authentication/fipto-authentication.yml
  - type: Webhooks
    url: asyncapi/fipto-webhooks.yml
  - type: ToolCrosswalk
    url: mcp/fipto-tool-crosswalk.yml
- aid: fipto:fipto-payin-simulation-api
  name: Fipto Payin Simulation API
  description: The Payin Simulation API from Fipto — 1 operation(s) for payin simulation.
  humanURL: https://docs.fipto.com/reference/getting-started
  baseURL: https://api.fipto.app
  tags:
  - Payin Simulation
  properties:
  - type: OpenAPI
    url: openapi/fipto-payin-simulation-api-openapi.yml
  - type: Documentation
    url: https://docs.fipto.com/
  - type: APIReference
    url: https://docs.fipto.com/reference/getting-started
  - type: Authentication
    url: authentication/fipto-authentication.yml
  - type: Webhooks
    url: asyncapi/fipto-webhooks.yml
  - type: ToolCrosswalk
    url: mcp/fipto-tool-crosswalk.yml
- aid: fipto:fipto-payment-links-api
  name: Fipto Payment links API
  description: Manage payment links.
  humanURL: https://docs.fipto.com/reference/getting-started
  baseURL: https://api.fipto.app
  tags:
  - Payment Links
  tags_raw:
  - Payment links
  properties:
  - type: OpenAPI
    url: openapi/fipto-payment-links-api-openapi.yml
  - type: Documentation
    url: https://docs.fipto.com/
  - type: APIReference
    url: https://docs.fipto.com/reference/getting-started
  - type: Authentication
    url: authentication/fipto-authentication.yml
  - type: Webhooks
    url: asyncapi/fipto-webhooks.yml
  - type: ToolCrosswalk
    url: mcp/fipto-tool-crosswalk.yml
- aid: fipto:fipto-transactions-api
  name: Fipto Transactions API
  description: Initiate payout and retrieve information about ongoing and completed transactions.
  humanURL: https://docs.fipto.com/reference/getting-started
  baseURL: https://api.fipto.app
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/fipto-transactions-api-openapi.yml
  - type: Documentation
    url: https://docs.fipto.com/
  - type: APIReference
    url: https://docs.fipto.com/reference/getting-started
  - type: Authentication
    url: authentication/fipto-authentication.yml
  - type: Webhooks
    url: asyncapi/fipto-webhooks.yml
  - type: ToolCrosswalk
    url: mcp/fipto-tool-crosswalk.yml
- aid: fipto:fipto-travel-rule-api
  name: Fipto Travel Rule API
  description: The Travel Rule API from Fipto — 1 operation(s) for travel rule.
  humanURL: https://docs.fipto.com/reference/getting-started
  baseURL: https://api.fipto.app
  tags:
  - Travel Rule
  properties:
  - type: OpenAPI
    url: openapi/fipto-travel-rule-api-openapi.yml
  - type: Documentation
    url: https://docs.fipto.com/
  - type: APIReference
    url: https://docs.fipto.com/reference/getting-started
  - type: Authentication
    url: authentication/fipto-authentication.yml
  - type: Webhooks
    url: asyncapi/fipto-webhooks.yml
  - type: ToolCrosswalk
    url: mcp/fipto-tool-crosswalk.yml
- aid: fipto:fipto-wallets-api
  name: Fipto Wallets API
  description: Manage wallets and their related wallet details.
  humanURL: https://docs.fipto.com/reference/getting-started
  baseURL: https://api.fipto.app
  tags:
  - Wallets
  properties:
  - type: OpenAPI
    url: openapi/fipto-wallets-api-openapi.yml
  - type: Documentation
    url: https://docs.fipto.com/
  - type: APIReference
    url: https://docs.fipto.com/reference/getting-started
  - type: Authentication
    url: authentication/fipto-authentication.yml
  - type: Webhooks
    url: asyncapi/fipto-webhooks.yml
  - type: ToolCrosswalk
    url: mcp/fipto-tool-crosswalk.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: CapabilityMap
  url: capabilities/fipto-capability-edges.yml
  name: Fipto Business Capability Map
- type: AgenticAccess
  url: agentic-access/fipto-agentic-access.yml
- type: Website
  url: https://fipto.com
- type: DeveloperPortal
  url: https://docs.fipto.com/
- type: Documentation
  url: https://docs.fipto.com/docs/introduction
- type: APIReference
  url: https://docs.fipto.com/reference/getting-started
- type: GettingStarted
  url: https://docs.fipto.com/docs/introduction
- type: Authentication
  url: authentication/fipto-authentication.yml
- type: Support
  url: https://www.fipto.com/contact
- type: Blog
  url: https://www.fipto.com/company/blog
- type: SignUp
  url: https://www.fipto.com/demo
- type: Login
  url: https://fipto.app/
- type: TermsOfService
  url: https://www.fipto.com/legal/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.fipto.com/legal/privacy
- type: Postman
  url: https://www.postman.com/galactic-meadow-917828/workspace/fipto-api-demo-environment/collection/24959087-42b9da95-ca00-4b9a-89cc-52d84d432d5f
- type: StatusPage
  url: https://status.fipto.com/
- type: Compliance
  url: https://www.fipto.com/company/compliance
- type: LLMsTxt
  url: llms/fipto-llms.txt
- type: MCPServer
  url: mcp/fipto-mcp.yml
- type: Packages
  url: packages/fipto-packages.yml
- type: Overlay
  url: overlays/fipto-customer-api-overlay.yaml
- type: Conformance
  url: conformance/fipto-conformance.yml
- type: ErrorCatalog
  url: errors/fipto-problem-types.yml
- type: Lifecycle
  url: lifecycle/fipto-lifecycle.yml
- type: DomainSecurity
  url: security/fipto-domain-security.yml
- type: TrustCenter
  url: security/fipto-trust-center.yml
- type: Sandbox
  url: sandbox/fipto-sandbox.yml
- type: Conventions
  url: conventions/fipto-conventions.yml
- type: Components
  url: components/fipto-components.yml
- type: DataModel
  url: data-model/fipto-data-model.yml
- type: Webhooks
  url: asyncapi/fipto-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Plans
  url: plans/fipto-plans-pricing.yml
- type: RateLimits
  url: rate-limits/fipto-rate-limits.yml
x-enrichment:
  date: '2026-08-17'
  status: enriched
  artifacts_added: 28
  pass: local-v1

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