International payments: the practical impact of blockchain

Patrick Mollard is Co-Founder & CEO of Fipto, a European fintech providing stablecoin payment infrastructure for businesses, which he co-founded in 2022. Fipto operates as modern infrastructure for B2B payments and treasury, enabling companies to send, receive, and manage funds using stablecoins, with settlement available 24/7. The company holds a Payment Institution license with the ACPR in France and a MiCA CASP license with the AMF in France. Fipto's platform is accessible via API, web platform, or Treasury Management Systems.

Mollard founded Fipto after identifying three structural problems in international B2B payments: the failure of legacy correspondent banking and messaging technology to meet corporate expectations on speed, cost, and transparency; the existence of blockchain-based tools capable of addressing these gaps; and the practical barriers preventing corporate adoption of those tools, including wallet setup, security, and compliance. Prior to founding Fipto, he held fintech roles where he developed direct exposure to these payment infrastructure gaps. Under his leadership, Fipto raised $16 million in funding, launched stablecoin Payment Links enabling businesses to accept stablecoin payments and receive euros automatically without direct crypto exposure, and secured a strategic partnership with Worldline to develop stablecoin-based payment and settlement use cases in Europe and APAC. Mollard has publicly commented on consolidation dynamics in the stablecoin payments sector, including Mastercard's acquisition of BVNK, characterising independent regulated infrastructure players as structurally differentiated from platforms absorbed into single financial institution ecosystems.