# Fipto

**Canonical:** https://apis.io/providers/fipto/  
**Website:** https://fipto.com  
**APIs profiled:** 2

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.

## Kin Score — 52.7 / 100 (developing)

Scored 2026-09-08 under rubric 0.20.0. Trend: flat (+0.0 from 52.7).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 57.5 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 58.9 |
| Commercial Clarity | 50.0 |
| Access Clarity | 50.0 |

Regulatory layer — **Payments**: 68.8 (matched via tags).

## Agent readiness — 33.8 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Requires approval — onboarding: approval, pricing: unknown, trial: no (confidence: medium).

## APIs (12)

- **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.

## MCP servers (1)

- **Fipto MCP Server**

## Agentic access (1)

- **Fipto Agentic Access** — 52 operations · 24 acting

## Security (3)

- **Fipto Authentication** — httpSignature · 1 scheme
- **Fipto Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Fipto Trust Center** — ISO/IEC 27001:2022

## Plans (1)

- **Fipto Plans Pricing**

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/fipto/). Scores are computed from the provider's own public artifacts under a published rubric.