Breaking: Ivy & Circle Turbocharge Europe’s Crypto Payments with Instant EURC↔USDC Swaps

Europe's cross-border payments just got a blockchain-powered upgrade—no legacy banking delays, no hidden FX fees. Ivy's infrastructure now plugs directly into Circle's euro and dollar stablecoins, letting money move at the speed of the internet.

How it works: Senders convert EURC to USDC (or vice versa) in one atomic transaction. No waiting for batch settlements, no praying the exchange rate holds. Liquidity pools handle conversions instantly—even during ECB press conferences that usually tank traditional forex flows.

The cynical take: Banks will spin this as 'innovation' after fighting stablecoins for years. Meanwhile, fintechs are eating their lunch with 24/7 settlements that don't require 37 intermediaries taking their cut.

Bottom line: When EURC and USDC flow this freely, the real question isn't if—but when—the first billion-euro corporate treasury makes the switch.

TLDR

• Ivy & Circle Partner to Power 24/7 Stablecoin Payments Across Europe
• USDC and EURC Now Instantly Accessible via Ivy’s API-Driven Rails
• Circle Mint Enables Fast Euro-to-Stablecoin Conversion for EEA Institutions
• Real-Time Stablecoin Settlement Boosts Remittances and Treasury Efficiency
• Circle Expands Global Stablecoin Network with Ivy’s Seamless Euro Integration

Demand for stablecoin payment infrastructure continues to grow across Europe as institutions seek faster, borderless transaction solutions. Ivy, a Berlin-based fintech, has partnered with Circle to deliver real-time bank payments with stablecoin settlement. The collaboration enables direct euro and dollar conversions into Circle’s stablecoins, USDC and EURC, 24/7.

Ivy Adds Real-Time Stablecoin Access to Payment Infrastructure

Ivy has integrated USDC and EURC directly into its instant payment rails across Europe. The fintech platform enables payment service providers and crypto firms to access stablecoin settlements seamlessly. This move allows Fiat to be converted instantly to stablecoins via Ivy’s global API.

Ivy partners with @circle, a leading financial technology firm and issuer of USDC and EURC, enabling its global customer base to access, convert, and transact with stablecoins in real-time, 24/7/365. pic.twitter.com/dGmsGXDbnH

— Ivy (@Getivy_io) July 2, 2025

Ivy supports the minting and burning of USDC and EURC using its euro bank payment network. These operations occur without delays and without relying on intermediaries. Ivy’s system allows stablecoin settlements through native API access.

This stablecoin-powered model is designed for PSPs and e-commerce platforms across the European Economic Area. It allows them to settle incoming funds, convert to digital assets and distribute payments faster. By integrating Circle’s stablecoins, Ivy offers an efficient way to manage liquidity and automate settlements.

Circle Mint Expands Euro-to-Stablecoin Onramps

Circle Mint powers fiat-to-stablecoin conversions for institutional clients across selected regions. The platform supports both EURC and USDC with a 1:1 redemption model. Now, eligible Circle Mint customers in the EEA can access instant euro-to-USDC conversion.

This FX functionality allows users to bypass slow settlement rails and handle operations any time. The tool supports competitive rates that benefit fintechs and platforms previously underserved by major banks. Euro conversions route through USD before issuing USDC, ensuring compliance and speed.

Circle has already rolled out fiat-to-stablecoin onramps for the Mexican peso and Brazilian real. The new euro-to-stablecoin FLOW is the next step in Circle’s push toward a global network. Additional onramps are planned to support more currencies and geographic markets.

Driving Faster Remittances and Treasury Optimization

Stablecoin conversions offer immediate benefits for PSPs, e-commerce platforms and corporate treasuries managing global cash flows. With Ivy and Circle’s collaboration, stablecoin settlements happen faster and at lower operational costs. This improves payment routing and eliminates dependency on credit facilities.

Treasury teams can convert euros into USDC and back with minimal friction. The process enhances cash management, reduces idle funds, and speeds up settlements. With real-time FX, platforms can now offer competitive pricing models in cross-border transactions.

Circle Mint’s latest integration strengthens its role in global remittances by enabling euro settlements into stablecoins. Combined with Ivy’s API, the service supports rapid payment initiation and digital asset settlement. Together, they simplify value transfers and scale financial services.

Circle’s Vision of a Global Stablecoin Network

Circle continues to grow its global stablecoin network, operating in over 185 countries. The company aims to make USDC and EURC accessible worldwide through reliable institutional onramps. Circle’s infrastructure provides a dependable option for digital finance without geographic limitations.

This integration with Ivy fits Circle’s broader strategy of linking fiat currencies to regulated digital assets. It ensures continuous access to stablecoin settlements, enhancing usability for enterprises. The stablecoin network now supports real-time activity for nearly 600 million users globally.

By linking local payment rails to stablecoin settlements, Circle is helping fintechs operate with global efficiency. As more currencies and payment channels go live, Circle is reinforcing the role of stablecoins in modern finance. The partnership with Ivy demonstrates that stablecoin infrastructure is quickly becoming essential to payments.