German Fintech Ivy Integrates Circle’s USDC and EURC for Real-Time Bank Payments
Berlin-based fintech Ivy has partnered with Circle to integrate USDC and EURC stablecoins into its payment infrastructure, enabling 24/7 fiat-to-stablecoin conversion across Europe. This strategic alliance represents a significant step in bridging traditional banking systems with digital currencies.
How Ivy’s USDC Integration Transforms European Payment Processing
The integration allows Ivy to offer seamless conversion between traditional bank payments and stablecoins through its API platform. Ivy’s API allows crypto firms, PSPs, and e-commerce merchants to make instant bank payments and seamlessly convert to stablecoins, positioning the company as a crucial bridge between conventional finance and the cryptocurrency ecosystem.
According to Ivy, the integration makes it one of the few platforms combining instant SEPA and FPS bank payments with the ability to mint and redeem USDC and EURC natively. This capability addresses a critical gap in the market where businesses needed separate systems for traditional payments and stablecoin transactions.
Real-Time USDC Settlements Enable Round-the-Clock Operations
The partnership enables businesses to process payments around the clock, eliminating the restrictions of traditional banking hours. Ivy collaborates with Circle to offer 24/7 stablecoin settlements in Europe, enabling instant USDC and EURC payments for fintechs and PSPs. This functionality proves particularly valuable for international businesses operating across multiple time zones.
Payment service providers and e-commerce platforms can now leverage Ivy’s infrastructure to offer customers both traditional payment methods and stablecoin options through a single integration. The system supports instant SEPA transfers alongside FPS bank payments, creating a comprehensive payment solution for European markets.
Stablecoin Adoption Accelerates Among European Fintech Companies
Real-time payment rails and stablecoins belong together, said Ivy CEO Ferdinand Dabitz. This perspective reflects the growing recognition that stablecoins complement rather than compete with traditional payment systems. The integration demonstrates how established financial infrastructure can evolve to incorporate blockchain-based solutions.
The timing of Ivy’s announcement aligns with broader industry trends toward stablecoin adoption. Major payment processors have increasingly embraced digital currencies, with several announcing similar initiatives throughout 2024 and 2025. This shift indicates growing confidence in stablecoin technology among traditional financial institutions.
Technical Implementation Streamlines Developer Integration
Ivy’s platform architecture allows developers to integrate traditional and stablecoin payments through a unified API. This approach reduces complexity for businesses offering multiple payment options without managing separate systems. The integration supports USDC and EURC, giving businesses flexibility in their stablecoin operations.
The technical infrastructure handles the complex processes of minting and redeeming stablecoins automatically, abstracting away the blockchain complexities from end users. This simplified approach makes stablecoin functionality accessible to businesses without extensive cryptocurrency expertise.
Market Impact and Future Implications
The integration positions Ivy as a key player in the European payment processing landscape, particularly for businesses operating in traditional and digital currency environments. By combining instant bank payments with stablecoin capabilities, the company addresses the needs of modern businesses seeking efficient cross-border payment solutions.
Ivy, the global platform specializing in instant payments, has revealed a new strategic alliance with Circle, a prominent fintech player recognized for its development of stablecoins such as USDC and EURC. This partnership represents a significant milestone in the mainstream adoption of stablecoin technology within European financial services.
Conclusion
Ivy’s integration of Circle’s USDC and EURC stablecoins marks a pivotal moment in European fintech development. By enabling seamless conversion between traditional bank payments and stablecoins, the company bridges the gap between conventional finance and digital currencies. This innovation provides businesses with the tools needed to operate efficiently in an increasingly digital financial landscape.
