TerraPay partners with Fipto to launch stablecoin‑native cross‑border flows, cutting settlement times and prefunding needs

TerraPay, a global money movement company, announced the launch of stablecoin-native flows in partnership with Fipto, the regulated infrastructure provider that powers secure, compliant blockchain-based treasury operations. The collaboration brings digital asset rails into TerraPay’s cross-border payment stack while maintaining the regulatory and operational standards required by financial institutions.

TerraPay’s first implementation of stablecoins, developed with Fipto, began in 2024 as a “stablecoin sandwich” pilot—converting fiat to stablecoins for the cross-border leg and then back to local currency—so the company could benchmark settlement times and FX pricing against traditional correspondent banking rails. Since then, the firm reports that transit times have come down, alleviating pressure on working capital and improving operational efficiency across selected corridors.

With this expanded partnership, TerraPay’s clients can now fund transactions directly in stablecoins, and payout partners can receive them where supported and permitted by local regulators. By aligning flows to jurisdictions that allow stablecoins, TerraPay is extending optionality without compromising compliance. According to the company, the shift is already delivering treasury benefits, including reduced prefunding requirements and tighter control over liquidity across its global network.

“Stablecoins are reshaping how we manage treasury – cutting working capital needs and reducing costs,” said Sanjeev Gupta, Head of Treasury at TerraPay. “For our payout partners, the advantage is not just speed but also reduced volatility and prefunding pressure. Even if adoption starts small, every new corridor or partner amplifies the efficiency gains across our global network. With Fipto, we can scale this transition securely and compliantly.”

Ambar Sur, Founder & CEO of TerraPay, added, “Stablecoin–native flows are a natural next step: they support us to bring more speed, efficiency and flexibility to our global payments network. Partnering with Fipto ensures we do this securely and compliantly, while paving the way for the next phase of cross-border payments.”

Fipto provides institutional-grade stablecoin payment infrastructure that combines licensed custody with a compliance framework designed for regulated financial institutions. Its plug-and-play services allow TerraPay to enable stablecoin flows without building and maintaining new infrastructure in-house, while also offering access to liquidity, direct bank connectivity, and multi-chain support to meet varying regional and partner needs.

“TerraPay’s move to stablecoin–native operations marks a turning point for the industry,” said Patrick Mollard, Co-founder & CEO of Fipto. “It shows that stablecoins aren’t just experimental rails anymore; they’re becoming core treasury infrastructure for global PSPs.”

As adoption broadens across additional partners and corridors, TerraPay expects the efficiencies to compound—shorter settlement cycles, lower operational friction, and more flexible funding options—while Fipto’s regulated infrastructure underpins secure scaling. Together, the companies aim to accelerate the responsible use of stablecoins in cross-border payments, balancing speed and cost improvements with the compliance and control that enterprise-grade treasuries require.

Companies In This Post
TerraPay
Fipto