Stablecoin payments are becoming as ubiquitous as credit cards. Merchants are demanding them, and the PSPs and fintechs that can deliver will own checkout. The ones that can’t will watch someone else’s logo show up instead.
Today we launched Fireblocks Flow, the stablecoin acceptance infrastructure for PSPs and fintechs. Simply plug Flow into the checkout or deposit flows you’re already running, and start accepting stablecoins and crypto from any wallet and settle in the stablecoin of your choice.
Businesses will increasingly receive payments in stablecoins. Consumers will keep paying from whatever wallet or asset they use. Flow is the infrastructure that makes both possible without building it yourself.
Nuvion, an AI-powered global banking platform, has partnered with Fireblocks:
The businesses we serve operate across 100+ markets, in 50+ currencies, and increasingly in stablecoins. Partnering with Fireblocks means Nuvion now sits at the intersection of all of it — fiat and stablecoins — all in one place, all built for ambitious global businesses operating across borders.
Keisha Clark
Managing Director, Nuvion
Flutterwave, Africa’s largest payment company, is also among the launch customers. Blipply, a neobank built for people who want to earn, store and spend money freely and instantly without blockers or obstacles, is also building on Fireblocks Flow and using it in production today to provide seamless stablecoin and crypto experiences to individuals and businesses ready to feel truly free with their money.
Why stablecoin acceptance was complicated (until now)
You may have already started down this road before and learned the hard way that stablecoin and crypto acceptance isn’t just a feature that you can easily enable. What sounded like a simple add-on probably turned out to be a complex web of problems and roadblocks:
- Wallet and chain connectivity: how do you accept payment from any wallet type that a consumer has?
- Conversion and settlement: how do you handle the asset mismatch between what the consumer pays and what the merchant needs to settle in?
- Compliance: how do you screen wallets, handle Travel Rule obligations, and satisfy sanctions requirements without slowing down the transaction?
- Reconciliation: how do you get all of this to map cleanly back to existing financial records?
- Scale and keeping up: how do you maintain this system when new chains, new currencies, and new deposit sources arise monthly with no shared standards?
Each of these is a legitimate engineering problem on its own. Solved together with separate vendors, they become an integration project that takes months, requires dedicated maintenance as wallets and chains launch, and turns your stack into a fragmentation problem that gets harder to manage over time. All the while you’re wondering how your competitors are able to do it.
What Fireblocks Flow unlocks for PSP and fintechs
Easy integration
Drop the developer kit into your existing checkout or deposit flow. Use our APIs to handle withdrawals and internal movements. Within days, your entire merchant base can accept stablecoins and let consumers pay in whatever digital asset they hold. You settle in the stablecoin you configured.
Wallet verifications
Flow ensures that your business meets verification requirements before a transaction proceeds. Your obligations are met with proof of ownership verification and sanctions checks. Geography blocks ensure your product isn’t used in locations that you aren’t allowed to operate; plug in Chainalysis and other tools to enhance verifications even further. And because Flow is designed to be compatible with the Open Transaction Layer (OTL), the open industry standard for compliant onchain transactions, coverage expands as new providers join OTL with no further integration work required.
Asset conversion
Chain confusion and sparse liquidity becomes a part of the past. Leveraging pre-vetted protocols and DEXs that match intent to supply, your consumer’s asset of choice is converted to match your preferred settlement currency, ensuring that you can optimize for the right quote and price.
Automated reconciliation
With crypto accounting and audit-ready compliance via TRES, every stablecoin and digital asset transaction is captured end-to-end: amounts in and out, each fee broken down, a timestamp on each step. Finance teams reconcile against their own books without manual matching.
Broad coverage
Out of the box, Fireblocks Flow covers over 800 types of wallets across EVM, Solana, and Bitcoin, plus Coinbase, Kraken, and Crypto.com as exchange deposit sources. Funds settle into a Fireblocks Vault, a Dynamic embedded wallet, or the destination address of your choice. All of this is programmable under the hood via Flow’s infrastructure, while the PSP or fintech continues to own the checkout experience, merchant and consumer relationships.
The next phase of stablecoin payments infrastructure
Until now, enabling stablecoin acceptance has been a patchwork of engineering problems, months-long vendor conversations, trying to solve compliance requirements, and figuring out reconciliation without having to rip and replace. And all the while, the market doesn’t stop moving and competitors don’t stop progressing.
Fireblocks Flow provides the infrastructure to help PSPs and fintechs accept any stablecoin and digital asset, settle in the stablecoin of their choice, and gain a competitive advantage for meeting today’s demands and tomorrow’s use cases.
Learn more about Fireblocks Flow and sign up today.
Disclaimer: Dynamic, a Fireblocks company, does not control the swap, bridge, or routing protocols used to convert and deliver assets. These materials are not investment, financial, legal, or tax advice. Fireblocks is not in the flow of funds. PSPs integrate Fireblocks Flow under their existing licenses. You are responsible for evaluation at your own discretion.
