Your FIAT-to-stablecoin payment rail.
Simple. Compliant.
With CentralPay, outsource your FIAT layer. Avoid regulatory complexity. Stay focused on your growth and core business.
FIAT ⇔ EURC / USDC conversion
(Bank of France) since 2019
100% documented
What we offer
Une infrastructure de paiement FIAT ↔ stablecoin agréée
Secure management
of customer flows
Card and SEPA bank transfer payments (instant or standard), with integrated AML/CFT monitoring. Seamless on-ramp for your users, with no operational complexity.
Institutional Conversion
to EURC and USDC
FIAT ⇔ stablecoin conversion via institutional mint/burn mechanism. MiCA-compliant, transparent, and aligned architecture.
Reconciliation and
full traceability
Personalized IBAN, automated reconciliation, full traceability of FIAT and stablecoin flows. Auditable infrastructure, compliant with regulatory requirements.
No double
certification
CentralPay handles the payment layer. You remain within your CASP scope without mobilizing capital or structuring a PSP organization.
Architecture
aligned with MiCA
Clear separation of FIAT/crypto, segregated funds, and integrated AML/CFT. Compliant and defensible structure in the event of a regulatory review.
Fast and controlled
API integration
Documented banking API, sandbox, and dedicated support. Rapid deployment without redesigning your crypto architecture.
How does it work?
Delegate the management of payment flows and conversions
On-ramp
FIAT → Stablecoin
- Customer payment in Euros, by card or instant/standard SEPA transfer
- Segregation and compliance control, without intervention from your team
- Convert FIAT to EURC/USDC in seconds
- Convert FIAT to EURC/USDC in seconds
Off-ramp
Stablecoin → FIAT
- Receive stablecoins in full compliance with regulatory requirements
- Convert EURC/USDC to FIAT in seconds
- Transfer in Euros to the final beneficiary via instant or standard SEPA transfer
- Real-time tracking and reporting
For whom?
A solution for European CASPs
Why CentralPay?
An Authorized Platform.
Audited. Operational
The infrastructure was historically designed for managing third-party transactions. It is developed and maintained in-house, organized into robust and scalable microservices (API-first).
Continuous AML/CFT transaction monitoring
24/7 availability
ISO 270001 Certified
FAQ
Questions about the FIAT ↔ stablecoin payment infrastructure?
L’Opinion de l’EBA (juin 2025, confirmée début 2026) précise que tout acteur manipulant des fonds en monnaie fiduciaire pour le compte de ses clients relève du périmètre DSP2, y compris les CASP. Concrètement, opérer des flux euros sans statut EP ou EME devient juridiquement risqué.
The transition period ends on March 2, 2026 (July 1, 2026 for French digital asset service providers (DASPs) benefiting from the transitional regime). From this date, digital asset service providers (DAPs) will have to rely on an authorized payment institution to operate.
Our FIAT ↔ stablecoin payment infrastructure is compatible with EURC and USDC, the two most liquid institutional stablecoins on the market. Conversion is handled through an authorized partner. Additional assets may be integrated depending on developments in the MiCA regulatory framework.
No. Euro-denominated funds are held in segregated accounts, in accordance with PSD2 requirements. Each client has a dedicated, named IBAN. These funds are never mixed with those of other clients or with CentralPay's own funds.