Real-time Crypto-Local Payment Settlements for Businesses

Accept crypto payments from anyone, anywhere — and get settled in your local currency in real time. No wallets, no crypto knowledge required



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Why Businesses Choose Fiato

Your customers hold crypto and want to pay you with it. Fiato bridges that gap — making payments seamless and settling you locally in real time.

Realtime Settlement

Your customers pay in crypto, you get value settled in your local bank within seconds — no manual conversions, no waiting.

Simple API and Dashboard

Manage payments easily or automate settlements using our secure REST API.

Secure and Compliant

Bank-grade security and KYC-backed transactions to protect your business and customers.

Global Acceptance

Accept payments from anyone, anywhere, and receive your funds in your local currency instantly.

Pricing

With our pricing, you stay in total control with the option to — cover the fees, share the fees, or let your customers handle everything.

Simple, Transparent Pricing

1.5% per transaction — capped at ₦50,000
• No monthly fees
• No setup cost
• No hidden charges

Whether your customer pays ₦100,000 or ₦20,000,000 in crypto, the fees will never be more than ₦50,000 on a single transaction.

For Developers

Developer Ready. Designed for Simplicity.

A clean and intuitive API that lets you accept crypto payments and trigger realtime local settlements — without handling wallets, conversions, or volatility.

View API Docs
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FAQ

Frequently Asked Questions

Got questions? We’ve answered the ones we hear most from merchants and developers, so you can get started right away.

Not at all. Your customers can pay in crypto, and Fiato automatically converts and settles in your preferred local currency — no wallets or blockchain setup required.
Settlements are processed in real time. Once the customer’s crypto transaction is confirmed, your local payout reflects on your Fiato dashboard as well as your local bank account or Mobile Money wallet.
Yes. You can receive payments directly via your payment link available on your dashboard — no technical setup needed. The API is optional for developers who want to automate or embed payments into apps.
Yes. Your clients can pay from anywhere in the world using crypto, and Fiato will settle the value instantly in your local currency — no currency conversion stress or cross-border fees.