STABLECOIN PAYMENTS
The fast lane to
borderless money
Bridge fiat and digital currency on one platform. Collect
GBP and EUR via Open Banking, convert to USDC or
EURC, and pay anywhere in the world — settled in
seconds, not days.
USDC & EURC
24/7 Settlement
LIVE TRANSACTION · GB → DE
Total settlement time
8.4 seconds · <0.5% all-in cost
£
OPEN BANKING · PAY BY BANK
£10,000.00 GBP
From customer's UK bank · 2.4s
▼
$
CONVERT · GBP → USDC
12,610.00 USDC
Rate locked · 1 GBP = 1.261 USDC
▼
€
OFF-RAMP · SEPA INSTANT
€11,720.00 EUR
Settled to vendor's German IBAN
Works with
Shopify
WooCommerce
QuickBooks
QuickBooks
Xero
WHY STABLECOINS FOR GLOBAL PAYMENTS
The fastest payment rail you
haven't switched to yet
Traditional cross-border payments take days, cost a fortune, and stop
working at weekends. Stablecoins fix all three problems at once.
24/7 SETTLEMENT
Round-the-clock instant
payments
Move money across borders in seconds — 24 hours a
day, every day. No SWIFT cut-offs, no bank holiday
delays, no waiting for Monday morning.
<10s
Typical settlement time
SIGNIFICANT COST SAVINGS
Skip the bank fees
and the intermediaries
Cut wire transfer and FX intermediary fees by 80%+.
Stablecoin rails strip out the correspondent bank
chain that traditionally takes a cut at every hop.
80%+
Lower than typical SWIFT cross-border
STABLE PEG, PREDICTABLE VALUE
Tied to the US dollar
or euro — always
USDC, EURC, and USDT are pegged 1:1 to fiat. Your
customers and counterparties get the speed of crypto
with the predictability of currency they already
understand.
$
USDC
€
EURC
₮
USDT
SECURE & TRANSPARENT
Every transaction, fully traceable
Built on public blockchain infrastructure with end-to-
end transparency. Every transaction is signed,
timestamped, and independently verifiable on-chain.
100%
On-chain auditability
REAL IMPACT, REAL BUSINESSES
Built for businesses moving money globally
From Web3 native firms to traditional importers, businesses across
industries use Fena to move stablecoins and fiat on a single rail.
All
Treasury
Cross-border B2B
Web3 & Crypto
Fintech Platforms
Marketplaces
TREASURY MANAGEMENT
"From multi-day FX cycles to
instant settlement"
Treasury teams use Fena to collect customer payments in GBP and EUR via Open Banking, hold balances in USDC, and pay suppliers globally — all without maintaining pre-funded fiat balances in multiple currencies.
TM
Treasury Manager
Global financial services firm
CROSS-BORDER B2B
"Payment times cut from 5 days to under an hour"
Importers and exporters use Fena's stablecoin rail to pay overseas suppliers without waiting for SWIFT clearance cycles. The cash flow improvement compounds across every transaction, freeing working capital tied up in transit.
CF
CFO
International trading company
WEB3 & CRYPTO
"Off-ramp stablecoins to fiat in any currency"
Web3 native businesses receive stablecoin revenue and need to pay traditional vendors in their local currency. Fena's off-ramp converts USDC into GBP, EUR, or USD with bank settlement in seconds — no separate FX desk required.
CO
Chief Operating Officer
Web3 infrastructure provider
STABLE IN VOLATILE MARKETS
"Predictable payments in volatile currency regions"
Businesses operating in regions with currency volatility offer USDC and EURC as a stable payment option. Counterparties receive a dollar- or euro-pegged asset without exposure to local currency swings — opening new markets without new risk.
RD
Regional Director
Multi-region commerce platform
FINTECH PLATFORMS
"Scaled to 50+ countries without local banking partners"
Fintech platforms embed Fena's stablecoin rail to enable cross-border payments without setting up nostro accounts in every market. One API call, one ledger, every corridor — without the operational overhead of multi-currency banking relationships.
VP
VP of Engineering
Embedded finance platform
MARKETPLACES
"Pay sellers worldwide on a single rail"
Marketplace platforms use Fena to pay sellers in 100+ countries from a single stablecoin balance. No pre-funding multiple currencies, no per-corridor banking setup. Sellers receive local fiat; the platform funds in USDC per transaction.
HF
Head of Finance
Global marketplace
UNIFIED PLATFORM
One platform.
Fiat and stablecoins.
Manage GBP, EUR, USDC, EURC, and USDT balances from a single
account. Convert between them with one click. Move money in any
direction, on any rail.
1
One Platform for Everything
Effortlessly manage stablecoin and fiat payments on a single, unified account that brings together your global cash flows under one ledger.
2
Receive Stablecoins, Settle in Fiat
3
Seamless On & Off Ramps
4
Instant Stablecoin Payouts
MULTI-ASSET ACCOUNT · LIVE
$ 248,420.18
↑ Equivalent total · across all assets
USDC BALANCE
$
148,200.00
EURC BALANCE
€
62,180.00
GBP BALANCE
£ 24,140.18
EUR BALANCE
€ 13,900.00
QUICK CONVERT
From
£ 10,000.00 GBP
To
12,610.00 USDC
Rate locked · 60s
1 GBP = 1.261 USDC
Convert now →
How it works
From fiat to stablecoin to anywhere
Fena combines its Open Banking pay-in rail with a stablecoin layer and fiat off-ramp — giving you global money movement on a single platform.
1
Collect fiat via Open Banking
Customers pay in GBP or EUR directly from their UK or EU bank account using Pay by Bank — settled to your Fena Account in seconds.
2
Convert to stablecoin
Fena converts fiat into USDC, EURC, or USDT at a locked rate. Stablecoins are custodied by Fena's regulated infrastructure partners.
3
Move globally on stablecoin rails
Send stablecoins to whitelisted recipient wallets anywhere in the world — 24/7, in seconds, with full on-chain transparency.
4
Off-ramp to local fiat
Convert stablecoins back to GBP, EUR, or USD with instant bank settlement via Faster Payments, SEPA Instant, or ACH to your recipient's account.
FULLY LICENSED, COMPLIANT & SECURE
Built within the regulatory
perimeter — not around it
Stablecoin payments don't have to mean regulatory uncertainty. Fena operates within full UK and EU regulatory frameworks, with safeguarded customer funds and licensed stablecoin infrastructure partners.
🔐
Funds safeguarded
All customer fiat funds are held in
segregated accounts at major UK
banks, fully safeguarded per FCA
Payment Services Regulations.
⚖️
MiCA & EU aligned
EURC is issued from Circle's
France entity under MiCA. Fena's
Polish subsidiary is pursuing KNF
authorisation for EU coverage.
🔍
Travel Rule compliant
Full FATF Travel Rule compliance
built into the platform. Counterparty verification and
recipient whitelisting are part of
every transfer.
FAQs
Stablecoin questions, answered
Which stablecoins does Fena support?
Fena supports USDC and EURC (both issued by Circle) and USDT (issued by Tether) as the primary stablecoins for cross-border payments. USDC and EURC are the recommended assets given their MiCA alignment and regulatory clarity in the UK and EU. USDT is supported for corridors where Tether liquidity is required.
How does Fena handle the regulatory side of stablecoin payments?
What's the settlement time for a typical cross-border stablecoin payment?
Do I need to hold stablecoins on my own balance sheet?
How is the exchange rate determined?
Can I pay vendors in countries where stablecoins aren't widely used?
How do I integrate Fena's stablecoin rail into my platform?
We are eager to help you
Move money globally in
seconds, not days
Contact us and one of our stablecoin experts will be in touch to discuss how Fena can power your cross-border payment flows.
Schedule an onboarding call to get started with your integration