Stable Mint

Our sandbox is now open for self-service sign-up. Teams building on stablecoin settlement can create a partner account today and test our fiat-to-stablecoin flows end to end, on their own timeline. The sandbox runs the same code and exposes the same API operations as production, with simulated fiat legs, so the integration you build there is the one you take live. Alongside it, we have published our full API documentation. It covers accounts and balances, fiat collection through payment sessions, FX conversion, fiat payouts to bank beneficiaries and stablecoin payouts to wallets, with webhooks for event notifications. Sandbox: account.stablemint.net/regis… Docs: docs.stablemint.io/ #payments #stablecoins #fintech #API

Move between on-chain dollars and euros, instantly, on regulated rails. Stable Mint lets you convert directly between USDSM and EURSM, our US dollar and euro stablecoins, in near-real time and around the clock. Hold a dollar balance, move into euros for a European payout, and back again, without waiting for a correspondent bank, a settlement window or a daily cut-off. And it does not stop at stablecoins. You can withdraw USD over SWIFT and EUR over SEPA, connecting on-chain balances to fiat under one vertically integrated, fully licensed infrastructure. Which corridor is costing you the most on conversion and settlement today? Tell us and we will walk you through the alternative. #treasury #stablecoins #payments #settlement #fintech

A stablecoin is only as useful as your ability to get in and out of it. USDSM is live on Curve. You can move between USDSM and USDC, or other assets, in seconds, directly on-chain. That convertibility matters. It means a USDSM balance is never trapped: it can be swapped into the asset you need, when you need it, without routing through a centralised desk or a manual process. A regulated EUR and USD stablecoin, with on-chain liquidity and instant convertibility built around it. Open, verifiable, and available around the clock. If on-chain convertibility is part of how you would use USDSM, talk to us about the pools (link in comments). #stablecoins #liquidity #payments #fintech #onchain

How a European e-commerce platform took its settlement from T+2 to seconds. The platform collects from customers across Europe through Stable Mint, by pay-by-bank and card. Instead of waiting two to three days for funds to clear, collections settle in near-real time into EURSM, available immediately to hold, convert or pay out. Payment costs start from 1.5%, well below typical blended acquiring. For an e-commerce business, that is working capital freed up and reconciliation simplified, from one regulated provider rather than a stack of intermediaries. If your settlement still runs on T+2, tell us your volumes and we will show you the difference. stablemint.io/business/conta… #ecommerce #payments #settlement #fintech #stablecoins

Top up in euros, dollars, pounds or Swedish krona, on the local rails your customers already use. Fund a Stable Mint account by bank transfer, pay-by-bank or card, across EUR, USD, GBP and SEK, then move into EURSM or USDSM and out again whenever you need. We run local payment rails, SEPA and SEPA Instant, SWIFT, GBP Faster Payments and SEK domestic, so deposits and payouts arrive the way your counterparties expect, not wrapped in correspondent-bank delays. On-ramp to stablecoins, off-ramp back to fiat, under one licence, with the compliance handled on our side. Which currency or rail is the gap in your current setup? Tell us and we will tell you straight whether we cover it. stablemint.io/business/conta… #payments #SEPA #crossborder #fintech #stablecoins

Sending $200 to Sub-Saharan Africa still costs more than 7% on average, more than double the UN target. The usual explanation is that the technology has not caught up. It has. The bottleneck is the correspondent banking chain, and the banks that operate it have little incentive to compress their own margins. Every intermediary takes a fee, and de-risking has pushed flows through fewer of them. Regulated stablecoin rails remove the correspondent chain entirely - no per-hop fees, settlement around the clock with no cut-off times. We look at why the Africa-Europe corridor stays broken, and what actually fixes it. stablemint.io/blog/africa-eu… #CrossBorderPayments #Stablecoins #Africa

Accept payment by bank transfer or card, and have it settle in near-real time. Stable Mint Checkout lets a merchant collect from customers by pay-by-bank (open banking) or card, across European markets, through one regulated provider. The funds land in your EUR or USD account, ready to hold, convert or pay out, without the multi-day wait that comes with traditional acquiring and reconciliation. One integration, by dashboard or API, covering collection through to settlement, with the acquiring, the compliance and the settlement sitting with a single licensed counterparty. What is collection costing you today, in fees and in days? Tell us your setup and we will show you the difference. stablemint.io/business/conta… #payments #checkout #openbanking #fintech #merchants

Stable Mint has submitted an update request to CoinGecko regarding the new Kraken market listing for Stable Mint USD (USDSM). CoinGecko Request ID: CU2708260009 USDSM is now available for trading on Kraken.

An EMI licence and a VASP registration are often mentioned in the same breath. They are not the same instrument, and the gap matters. A VASP registration is an AML/CFT mechanism. It does not authorise a firm to issue electronic money or to provide payment services. Under MiCA, only credit institutions and EMIs can issue electronic money tokens in the EU - which is what makes an EMI licence the foundation for compliant stablecoin infrastructure, and what decides whether a redemption is a legal right or just a contractual one. We break down the difference, and why it matters for payments. stablemint.io/blog/emi-licen… #EMI #MiCA #Stablecoins #Payments

USDSM is now live on Kraken. Our regulated US dollar stablecoin, USDSM, is now listed on Kraken, one of the world's most established exchanges, trading against USDC. For businesses and desks settling in USDSM, that means a recognised, liquid venue to move in and out of the token. A regulated EMT, issued by a licensed EMI, now accessible on a major global exchange. That is what makes a stablecoin usable at scale. Find out more about USDSM on Kraken at our blog: stablemint.io/blog/usdsm-lis… #stablecoins #Kraken #USDSM #digitalassets #fintech

Pay out to anyone, in stablecoin or fiat, from the same balance you collected into. Stable Mint Payments lets you send to third parties by bank transfer or in EURSM and USDSM, from your EUR or USD balance, in near-real time. Pay a supplier in euros over SEPA, settle a partner in dollars on-chain, or move funds to a beneficiary wallet, all from one account, on one licence, with the AML and compliance handled on our side. Collect, hold, convert and pay out, end to end, through a single regulated counterparty, without stitching together a PSP, an FX desk and a separate payout rail. Where do your payouts go, and how long do they take today? Tell us and we will map the faster route. stablemint.io/business/conta… #payments #payouts #stablecoins #treasury #fintech

Two very different propositions sit behind the same label of "stablecoin payment processor". Some are regulated across both frameworks that matter - MiCA for the asset, and PSD2/EMD2 for the activity of holding and moving customer funds. Others simply connect a crypto wallet to a banking partner and operate outside that perimeter. The difference decides whether your funds carry statutory protection if the processor fails, or only a contractual promise. We explain how MiCA and PSD2 apply together, and how to tell the two apart. stablemint.io/blog/what-is-a… #MiCA #PSD2 #Stablecoins #Payments

Most efforts to cut card costs try to negotiate the rate down. The larger saving comes from changing the architecture underneath. Interchange, scheme fees and acquirer margin exist because the card networks and correspondent banks sit in the middle of every transaction. Combine pay-by-bank collection with stablecoin settlement and both come out of the chain. All-in cost drops below 0.5% on domestic EUR flows, with greater savings cross-border. The point is not negotiating cards down, but removing the parts of the chain that create the cost. stablemint.io/blog/pay-by-ba… #Payments #Stablecoins #PayByBank

Every USDSM and EURSM in circulation is backed one-to-one by reserves. That backing is a regulatory requirement, not a marketing claim. The reserves behind our EUR and USD stablecoins are held in segregated, safeguarded accounts at regulated EU credit institutions, currently at a 102% reserve ratio. As a licensed EMI under MiCA, we are supervised on reserve composition, liquidity and own funds. Holders have a statutory right to redeem at par. None of that is optional or self-certified. When the question is what actually stands behind this stablecoin, that is the answer: regulated reserves, real oversight, redemption at par. If you are assessing USDSM or EURSM as a counterparty, we are happy to walk through the reserve and safeguarding model in detail. stablemint.io/business/conta… #stablecoins #MiCA #compliance #treasury #fintech

Accepting stablecoin payments is no longer an experiment. The regulated processors, the instruments and the integration patterns all exist today. The question has moved from "is this allowed" to "does the business case stand up". All-in cost under 1% against 1.5-6% on cards, settlement in seconds instead of T+1 to T+3, and no chargebacks. We put together a practical guide to the three ways a European business can accept stablecoin payments - hosted, embedded, and direct receipt - and how to choose between them. stablemint.io/blog/how-to-ac… #Stablecoins #Payments #Fintech

Most providers can do fiat or stablecoins. Doing both, for first- and third-party payments, under one licence, is the hard part. Stable Mint now operates fiat and stablecoin payment services under a single MFSA Electronic Money Institution licence. One regulated counterparty can collect by bank transfer or card, hold balances in EUR and USD, convert between currencies and our EUR and USD stablecoins, and pay out to third parties, all inside one authorised perimeter. For a business, that removes the usual patchwork: a PSP for acquiring, a separate rail for payouts, an unregulated venue for stablecoins, and the reconciliation headache of stitching them together. One licence, one counterparty, one flow of funds. How many providers does your payment stack run through today? If the honest answer is too many, there is a simpler way. Talk to the team. stablemint.io/business/conta… #payments #EMI #MiCA #fintech #regulation