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Embedded crypto for fintechs

Plug into the blockchain
in 2 clicks.

The turnkey crypto building block for your platform. Wallets, swaps, and DeFi yield in a single SDK — drop it into your product and you're live in days.

5-day integration 5–6× cheaper than building in-house No crypto team to hire

Built for growing consumer fintechs that want to add crypto to their product — without turning their team into blockchain specialists.

Use cases

Built for consumer fintechs
in a race to differentiate.

If your users already manage their money or savings with you, they're ready to add crypto. Fibo makes that possible in days.

Neobanks & payment apps

A crypto pocket inside your banking app

Add yield-bearing stablecoin savings, on-chain payments, or Bitcoin exposure alongside your existing products — without pulling your users out of the experience they already know.

  • Stablecoin savings with DeFi yield
  • Buy, hold, and sell BTC, ETH
  • Cross-border stablecoin payments
  • On-chain cashback and rewards
Brokers & wealth-tech

Crypto alongside your existing lineup

Extend your stocks / ETF / fund offering with a credible crypto line (BTC, ETH, DeFi yield) — without standing up a dedicated department or changing your investor-facing interface.

  • Bitcoin and Ethereum in the portfolio
  • DeFi yield on stablecoins
  • Reporting integrated into your dashboard
  • Reuse of your existing KYC
5 days
average integration time — instead of 3 to 6 months in-house
5–6×
cheaper than building the stack in-house, starting year 1
1 API
instead of assembling a stack and signing five vendor contracts
Speed

5 days to integrate.
Not 6 months to build.

Your developers integrate a React SDK and one webhook endpoint. That's it. No cryptography to handle, no stack to assemble, no vendors to learn.

  • Drop-in React SDK for the front end, strict TypeScript types
  • HMAC-signed webhooks for the backend, exponential retry built in
  • Testnet sandbox open from sign-up
  • Go live by flipping one API key
App.tsx
// 1. Install
// $ npm install @fibo/react-sdk

import { FiboProvider, FiboWalletCard,
         FiboSwapWidget, FiboYieldWidget } from '@fibo/react-sdk';

export function App() {
  return (
    <FiboProvider apiKey={process.env.FIBO_KEY}>
      <FiboWalletCard />
      <FiboSwapWidget />
      <FiboYieldWidget />
    </FiboProvider>
  );
}
New revenue

A new revenue line.
Without standing up a department.

To ship crypto in-house today, you need a compliance team, a regulatory team, capital reserves, crypto engineers who barely exist on the market, and the blockchain infrastructure that costs a fortune to build. That's a seven-figure project over 18 months.

With Fibo, you launch the crypto line next week, for the price of one senior engineer — and you keep the full margin on the products you offer to your users.

Year 1 cost — side by side

In-house crypto team
≈ €200k
€0
Compliance + regulatory
≈ €60k
Included
Blockchain infrastructure
≈ €50k
Included
Fibo Growth platform
~ €54k
Total year 1 cost−83%
Native experience

Your users never see the word
"crypto".

No seed phrase to memorize, no ETH to buy to cover gas, no external wallet to install, no third-party app to download. Your users see euros, savings products, transfers — exactly what they already use with you.

  • Gas-free transactions (sponsored by Fibo)
  • Embedded wallets inside your app, behind your branding
  • Full white-label (CSS variables, logo, copy)
  • One-step onboarding through your existing auth
What the user sees
What actually happens
Open a Savings+ account
On-chain wallet created
auth delegated to your backend
Deposit €1,000
SEPA → USDC stablecoin
routed via Fibo
My balance earning 4%
DeFi yield allocation
orchestrated in the background
Withdraw €500
Withdraw + swap + off-ramp
gas fees absorbed
How it works

Three steps.
One week.

Your developers integrate Fibo the way they'd integrate any modern API. No stack to learn, no cryptography to handle.

1

Frontend

Install the React SDK, add the Provider and drop-in components to your app. Three components are enough to ship wallets, swaps, and yield.

⏱ < 2 hours
2

Backend

One webhook endpoint listening for three events: wallet created, transaction confirmed, deposit received. You update your database. Done.

⏱ < 4 hours
3

Go live

Validate in the testnet sandbox, then flip the API key to pk_live_. Real-time dashboard for monitoring.

⏱ 1–2 days of validation
Build or integrate

The real math.

Assumption: a consumer fintech generating €1M of monthly crypto transaction volume.

Build in-houseFibo (Growth)
Time-to-market3 to 6 months≈ 5 days
Year 1 cost≈ €310k≈ €54k
Recurring cost (year 2+)≈ €180k/year≈ €54k/year, all included
Team to hire2 crypto engineers + compliance + regulatory0
Capital reserves / gas tank≈ €100k in locked stablecoins€0
Maintenance + new chainsYour team, continuouslyIncluded, automatic
Cash-flow positive on featureMonth 9 to 12Month 2
Pricing

You pay when
your users transact.

A predictable subscription plus a percentage on the volume you actually process. No annual commitment on Starter and Growth.

Starter
For early-stage fintechs testing the crypto feature.
€500/month
+ 0.30% on transaction volume

  • Multi-chain wallets
  • Gas-free transactions
  • Cross-chain swaps
  • DeFi yield (stablecoins, ETH)
  • SDK + sandbox + docs
  • Email support
  • Up to 1,000 active users
Enterprise
For established players with high volume and custom requirements.
Custom
Pricing negotiated on volume and features

  • Everything in Growth
  • Contractual SLAs
  • Dedicated account manager
  • Custom integrations
  • Volume-based discounts
  • Unlimited active users
  • Shared security audit
FAQ

Questions we get asked.

Who is Fibo built for — and who isn't it for?
Fibo is built for consumer fintechs that want to add a crypto layer to an existing product — typically neobanks, payment apps, brokers, wealth-tech. It is not for custodial exchanges (Binance, Coinbase-style), nor for platforms that want to hold their customers' funds — by design, we don't enable that.
How long to get started?
Demo: 30 minutes. Sandbox accessible right after. Full integration: roughly 5 days on your side, sandbox validation included. Go live: flip one API key. We support your team on Slack throughout the entire integration phase (Growth and Enterprise plans).
How does Fibo fit into our current regulatory framework?
Fibo's architecture is designed not to alter your existing regulatory perimeter. Your users control their own private keys — you never hold their assets. You remain a software distributor; you don't operate an asset custody service. We support your legal team in qualifying your specific case if needed.
Do you handle our users' KYC?
No, and that's by design. You keep control over your customers' KYC (likely already managed by a vendor you use for your other asset classes). When you turn on our EUR ramping connector, we automatically bridge your existing KYC over to the ramp partners — zero double-KYC for the end user.
Who pays the blockchain gas?
Nobody pays native gas on the user side (no ETH or SOL to buy to sign a transaction). Fibo absorbs the gas fees and charges them back in stablecoin on the final transaction. On your P&L, these fees are already included in our pricing (% on volume).
What happens if Fibo disappears?
Your users keep their keys and their funds — by design, that's what non-custodial means. They can export their seed phrase from your app at any time and migrate to any other wallet. You, on your side, lose our orchestration layer (API, gasless, swap routing). It's the opposite of the custodial model: your risk is operational, never existential.
Which SDKs and languages do you support?
Frontend: @fibo/react-sdk (React 18+, Next.js, Vite). React Native SDK on the roadmap. Backend: @fibo/node-sdk (Node.js, TypeScript-first). If your backend runs Python, Go, Ruby or another language, our public REST API works directly. Full documentation at docs.fibo-crypto.fr.
How big is your team?
Small and focused. We operated a consumer crypto application in production for 24 months before turning that infrastructure into a SaaS. The technical stack at the core of Fibo has been battle-tested by thousands of real transactions — that's the proven infrastructure you're buying today.

Your competitors have already shipped.
Catch up in a week.

A 30-minute demo. We'll show you exactly how Fibo plugs into your stack — and what it costs for your volume.

No commitment · Testnet sandbox open immediately