aid: fiat-republic
name: Fiat Republic
description: >-
  Fiat Republic is a UK- and EU-regulated Banking-as-a-Service provider that gives crypto
  platforms, exchanges and stablecoin issuers a single API and single liability contract for
  local fiat rails. Its RESTful API automates end-user onboarding with embedded KYC/AML,
  named and virtual fiat accounts, pay-ins and payouts across GBP (Faster Payments / CHAPS),
  EUR (SEPA / SEPA Instant) and USD schemes, FX conversion, Verification of Payee (VoP),
  returns and recalls, and its Oxygen transaction-monitoring product. Access is via OAuth 2.0
  client-credentials with PAYMENTS and OXYGEN scopes, HMAC-SHA256-signed webhooks using the
  HTTP Message Signatures standard, idempotency keys, and separate sandbox and production
  environments. Fiat Republic operates as an Electronic Money Institution regulated by the FCA
  (UK) and De Nederlandsche Bank (NL), with MSB registrations in the US and Canada.
url: https://raw.githubusercontent.com/api-evangelist/fiat-republic/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- seedcamp
- speedinvest
x-tier: profiled
x-tier-reason: enriched-from-developer-portal
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
image: https://fiatrepublic.com/images/og-image.png
tags:
- Company
- Banking
- Payments
- Fintech
- Cryptocurrency
- Stablecoins
- Banking-as-a-Service
- Embedded Finance
- Compliance
- KYC
- SEPA
- Faster Payments
apis:
- name: Fiat Republic API
  description: >-
    RESTful API for crypto and stablecoin platforms to onboard end users (KYC/AML), open named
    and virtual fiat accounts, receive pay-ins and send payouts across GBP, EUR and USD schemes,
    run FX conversions, verify payees (VoP), handle returns/recalls, manage HMAC-signed webhooks,
    and use the Oxygen transaction-monitoring product.
  humanURL: https://docs.fiatrepublic.com/docs/introduction
  baseURL: https://member.fiatrepublic.com/api/v1
  properties:
  - type: Documentation
    url: https://docs.fiatrepublic.com/docs/introduction
  - type: APIReference
    url: https://docs.fiatrepublic.com/reference/create-api-token
  - type: GettingStarted
    url: https://docs.fiatrepublic.com/docs/authentication-webhook-setup
  - type: Authentication
    url: authentication/fiat-republic-authentication.yml
  - type: OAuthScopes
    url: scopes/fiat-republic-scopes.yml
  - type: Conventions
    url: conventions/fiat-republic-conventions.yml
  - type: Idempotency
    url: conventions/fiat-republic-conventions.yml
  - type: RateLimits
    url: rate-limits/fiat-republic-rate-limits.yml
  - type: ErrorCatalog
    url: errors/fiat-republic-problem-types.yml
  - type: DataModel
    url: data-model/fiat-republic-data-model.yml
  - type: Sandbox
    url: sandbox/fiat-republic-sandbox.yml
  - type: Webhooks
    url: asyncapi/fiat-republic-webhooks.yml
  - type: Conformance
    url: conformance/fiat-republic-conformance.yml
  - type: MCPServer
    url: mcp/fiat-republic-mcp.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: VulnerabilityDisclosure
  url: security/fiat-republic-vulnerability-disclosure.yml
- type: Security
  url: well-known/fiat-republic-security.txt
- type: DomainSecurity
  url: security/fiat-republic-domain-security.yml
- type: Website
  url: https://fiatrepublic.com
- type: DeveloperPortal
  url: https://fiatrepublic.com/developers/
- type: Documentation
  url: https://docs.fiatrepublic.com/docs/introduction
- type: APIReference
  url: https://docs.fiatrepublic.com/reference/create-api-token
- type: GettingStarted
  url: https://docs.fiatrepublic.com/docs/authentication-webhook-setup
- type: Blog
  url: https://fiatrepublic.com/blog
- type: SignUp
  url: https://member.fiatrepublic.com/dashboard
- type: Login
  url: https://member.fiatrepublic.com/dashboard
- type: Support
  url: https://fiatrepublic.atlassian.net/servicedesk/customer/portal/4
- type: PrivacyPolicy
  url: https://fiatrepublic.com/privacy-policy
- type: StatusPage
  url: https://status.fiatrepublic.com
- type: ChangeLog
  url: https://docs.fiatrepublic.com/changelog
- type: ChangeLog
  url: changelog/fiat-republic-changelog.yml
- type: Compliance
  url: https://fiatrepublic.com/compliance
- type: Postman
  url: https://www.postman.com/fiatrepublicdev/fiat-republic-developers/overview
- type: LLMsTxt
  url: llms/fiat-republic-llms.txt
- type: Authentication
  url: authentication/fiat-republic-authentication.yml
- type: OAuthScopes
  url: scopes/fiat-republic-scopes.yml
- type: Conventions
  url: conventions/fiat-republic-conventions.yml
- type: Idempotency
  url: conventions/fiat-republic-conventions.yml
- type: RateLimits
  url: rate-limits/fiat-republic-rate-limits.yml
- type: ErrorCatalog
  url: errors/fiat-republic-problem-types.yml
- type: Lifecycle
  url: lifecycle/fiat-republic-lifecycle.yml
- type: Deprecation
  url: lifecycle/fiat-republic-lifecycle.yml
- type: Sandbox
  url: sandbox/fiat-republic-sandbox.yml
- type: DataModel
  url: data-model/fiat-republic-data-model.yml
- type: Webhooks
  url: asyncapi/fiat-republic-webhooks.yml
- type: Conformance
  url: conformance/fiat-republic-conformance.yml
- type: MCPServer
  url: mcp/fiat-republic-mcp.yml
- type: WellKnown
  url: well-known/fiat-republic-well-known.yml
- type: SecurityTxt
  url: well-known/fiat-republic-security.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence