One licence · fiat + stablecoin
One regulated licence for
fiat and stablecoin payments.
Collect, settle, and pay out in seconds - on rails we issue and operate ourselves. EMI-authorised, MiCA-compliant, you face one counterparty throughout the full chain.
$0T
settled last year.
Stablecoins aren't coming. They're already here.
Digital EUR and USD: faster, cheaper, and built for the internet. The rails your customers are already moving to.
The business account
Your business account on
stablecoin infrastructure.
A regulated account for holding, receiving, converting, and paying out in stablecoins - connected seamlessly to traditional banking rails.
Hold
EURSM and USDSM balances in a regulated account. Stablecoins pegged 1:1 to fiat, backed by segregated reserves held at regulated European banking partners.
Receive
Receive inbound payments via SEPA or SWIFT. Funds arrive as fiat, convert to stablecoins in your account. Direct stablecoin receipts from any wallet on-chain.
Convert
Move between EUR-backed and USD-backed stablecoins on demand. FX conversion built in.
Pay out
Send funds to any bank account, including your own, via SEPA or SWIFT. Send stablecoins directly to any wallet on any supported chain. Bulk payouts via API. Scheduled or on-demand.
Why stablecoin infrastructure
A more efficient settlement
layer for cross-border payments.
The intermediary cost
Cross-border payments route through correspondent banking chains - each intermediary takes a margin, FX is marked up at every hop, and settlement runs T+2 to T+5. Blended costs reach 3-6%.
What stablecoins change
Regulated stablecoins collapse the correspondent chain. Value moves cross-border in seconds, settling directly between counterparties. One platform replaces the correspondent banks, the FX desk, and the treasury account.
The regulatory framework
The EMD, PSD2 and MiCA together set the EU framework for e-money, payment services and stablecoins. Stable Mint operates across all three - a licensed EMI issuing its own Electronic Money Tokens, with reserves in segregated accounts.
Products
Three products.
One platform.
Your regulated account is the core. Take the checkout, the account, and the payout rail together, or take only the part you need - the same regulated counterparty sits underneath every path.
Checkout
Accept payment, settle in seconds.
- Pay-by-bank and card acceptance
- Hosted, embedded, or full white-label
- Funds available immediately - no settlement drag
Accounts
Hold, convert, and manage treasury.
- EUR and USD balances held as EURSM & USDSM
- EUR-to-USD conversion with FX built in
- Multi-currency rails: EUR, USD, GBP, SEK, HKD
Payments
Pay out to bank or wallet, anywhere.
- Bank remit via SEPA or SWIFT
- Stablecoin payout to any wallet, any supported chain
- Bulk via API - scheduled or on demand
The checkout is optional. Businesses that only need to hold, convert, and pay out use the account on its own.
Settlement
Settlement comparison.
Funds settled in seconds are funds available immediately — for treasury management, conversion, or payout. No settlement delay. No reserve drag.
Vertical integration
Vertically integrated.
One counterparty.
Most stablecoin payment providers rely on third-party stablecoins. Stable Mint is the issuer, custodian, and payment processor - from initiation to settlement.
Learn about our stablecoinsStablecoins are how money moves faster
Fiat rails alone
Connect you to banking. You still bring your own stablecoin, your own issuer, your own checkout.
Stable Mint
We issue the money and run the rails - the bank-grade counterparty, the issuer, and the settlement layer in one licence.
Infrastructure partners
Use cases
Industries we serve.
High-volume platforms
Payment acceptance and instant settlement. Compliance infrastructure included — KYC, AML, transaction monitoring.
Cross-border trade
EUR and USD settlement between Europe and emerging markets. Compressed times. Reduced costs.
Platform merchants
Your brand, your ledger. Our compliance, custody, and settlement rails.
Marketplace & payroll
Global payouts to suppliers, contractors, or employees. Bank or stablecoin delivery.
Compliance
Built regulated.
From the ground up.
One MFSA licence covers the full stack. Every stablecoin backed 1:1 by cash deposits and HQLA in segregated accounts - not lent out, not invested, not commingled.
Transparency
Every stablecoin on-chain.
Every reserve verified.
Live data from the blockchain — nothing hidden, nothing inferred.
USDSMLIVE
EURSMLIVE
& 
One platform. The full payment lifecycle.
See how Stable Mint replaces your payment stack with a single regulated counterparty. Settlement in seconds, not days.