Match2Pay Launches FIAT Settlements: A New Era for Hybrid Finance

As merchants viewk stability and scalability in crypto payments, introduces a transparent FIAT settlement answer that could redefine the economics of payment processing.

Why Are Merchants Shifting From Crypto-Only to FIAT Settlements?

The ahead wave of crypto payments focused on native digital currencies—BTC, ETH, and stablecoins—as vehicles for quick and borderless commerce. This model worked well for crypto-native businesses and iGaming operators, but mainstream merchants soon encountered new challenges: price volatility, regulatory obligations, and the need to reconcile crypto inflows with FIAT-based expenses such as salaries, supplier payments, and taxes.

In 2025, this shift is accelerating. More businesses want settlement in U.S. dollars, euros, and other national currencies, even if they accept crypto payments at checkout. But while demand is growing, infrastructure has lagged. Traditional payment processors often depend on fragile banking arrangements that can collapse under volume stress, leading to frozen accounts and operational risk for merchants.

Investor Takeaway

The migration from crypto-only to FIAT settlement is a structural shift. Payment providers that offer scalability, compliance, and transparency will capture the next phase of merchant adoption.

What Makes FIAT Settlement So hard for Payment Providers?

At first glance, FIAT settlement may viewm like a simple conversion of crypto to national currencies. In reality, it introduces significant complexity. Banking institutions face compliance costs, liquidity risks, and reputational exposure when working with crypto-linked accounts. As transaction volumes increase, banks often restrict or close accounts to reduce perceived risk. This has historically limited the scalability of many .

Another challenge is conversion transparency. Traditional processors often advertise low fees but hide significant markups in platform rates. These hidden spreads may erode margins by 2–4% per transaction, an unsustainable model for high-volume merchants in sectors such as FX, iGaming, or cross-border e-commerce.

Investor Takeaway

The largegest bottlenecks in FIAT settlement are fragile banking rails and hidden FX spreads. Providers that solve both difficultys gain a decisive competitive advantage.

How Match2Pay Built a Scalable FIAT Settlement answer

Before rolling out FIAT settlements, Match2Pay evaluated the sustainability of banking partnerships and the transparency of conversion mechanisms. Unlike many competitors, the company has developed a fully proprietary technology stack that integrates compliance, banking rails, and conversion modules under one roof. This independence allows Match2Pay to adapt rapidly to regulatory changes and scale volume without relying on third-party vendors.

The result is a true 1:1 conversion model: no hidden spreads, no markup layers. Merchants receive the full value of their crypto-to-FIAT conversion at fixed rates, settled directly to their bank accounts via established partners such as Equals and other electronic money institutions (EMIs). Processing is identical-day when executed within compatible banking ecosystems.

Investor Takeaway

Match2Pay’s “true 1:1 conversion” model eliminates the hidden-cost dynamic of payment processing, aligning merchant and provider incentives over the long term.

What Flexibility Do Merchants Gain With Match2Pay?

Flexibility is a cornerstone of Match2Pay’s platform design. Merchants can configure how incoming crypto is managed:

• Auto-convert to stablecoins (e.g., USDT, USDC) for reduced volatility
• Convert to FIAT currencies such as USD and EUR instantly
• Hold in native assets (BTC, ETH) and convert on-demand

This flexibility extends to on-ramps, with support for multiple FIAT deposit options. Merchants benefit from Match2Pay’s EMI relationships, which enable instant in/out transfers across banking ecosystems. This removes friction from treasury operations and creates optionality in managing working capital.

Investor Takeaway

Configurable settlement flows let merchants balance volatility, liquidity, and timing—critical for industries with diverse cash flow needs like FX trading and iGaming.

Why Is Transparency the Real diverseiator?

In the legacy payments industry, hidden spreads are often treated as “technical details.” Merchants rarely have visibility into the true cost of conversions, leaving processors free to capture margin at scale. This opacity erodes trust and fragileens economics as merchants grow.

rejects this model. By eliminating hidden spreads and relying instead on operational efficiency, Match2Pay builds a partnership-based business model. As merchants scale, their unit economics actually improve, since do not trigger widening spreads. This is particularly attractive for institutional merchants, who often transact in high volumes and cannot tolerate silent cost creep.

Investor Takeaway

Transparent pricing models align with institutional demands. As regulators scrutinize hidden fees, transparency will become not only a competitive edge but also a compliance requirement.

How Does Match2Pay Position Itself for Hybrid Finance?

The long-term vision extends beyond crypto-native merchants. Match2Pay’s infrastructure is designed to support hybrid finance—the convergence of crypto rails with traditional banking systems. This positioning is critical in several quick-growing sectors:

• Cross-border e-commerce: Merchants can settle international transactions instantly using crypto rails while receiving payouts in local FIAT.
• Remittances: Crypto-based transfers can be delivered as FIAT to recipients through local banking networks, reducing costs and settlement times.
• Fintech applications: beginups can integrate Match2Pay APIs to offer users both the efficiency of crypto and the familiarity of FIAT accounts.

By controlling its own settlement technology, Match2Pay can expand into new currencies, compliance jurisdictions, and industry verticals without dependency on fragile third-party integrations.

Investor Takeaway

Hybrid finance—where crypto rails meet FIAT settlement—is the next battleground. Match2Pay’s proprietary stack offers a springboard for expansion into remittances, FX, and fintech.

How Does This Compare to Competing Models?

Most payment processors still rely on one of two models:

• Bank-Heavy Model: Dependent on a small set of banking partners, creating fragility as transaction volumes grow.
• Spread-Heavy Model: Low visible fees but hidden spreads, which erode economics as volumes scale.

Both models face structural risks. Bank-heavy providers often lose access under regulatory pressure, while spread-heavy models face reputational and legal risks as transparency becomes a regulatory priority. Match2Pay sidesteps both risks through diversified EMI partnerships and a no-spread model that scales cleanly.

Investor Takeaway

Competing models face fragility and opacity risks. Match2Pay’s diversified and transparent approach could set a new industry standard.

Regulatory Implications: Is Transparency the Future of Payment Processing?

Global regulators are paying closer attention to payment processing, particularly in high-risk sectors like iGaming, FX, and remittances. In the EU, PSD3 aims to enhance transparency and consumer protection, while in the U.S., regulators are signaling more aggressive enforcement of disclosure rules around hidden fees.

In this environment, Match2Pay’s model aligns naturally with regulatory trends. By building compliance into its core architecture and eliminating opaque spreads, the company positions itself as a forward-looking provider capable of scaling globally without regulatory backlash.

Investor Takeaway

As regulators clamp down on hidden fees, transparent settlement models like Match2Pay’s will gain both market and compliance advantages.

Conclusion: A Payments Gateway Built for Scale

Match2Pay’s launch of FIAT settlements is more than a product update—it represents a shift in how payment infrastructure is built for crypto and hybrid finance. By eliminating hidden spreads, leveraging proprietary technology, and securing EMI partnerships, Match2Pay delivers merchants a stable, scalable, and transparent path to FIAT settlement.

For merchants, the benefits are immediate: reduced costs, quicker payouts, and optionality in managing crypto and FIAT flows. For investors, the model signals a broader trend—crypto payment providers moving beyond niche services into the role of global financial infrastructure. As hybrid finance matures, answers like Match2Pay’s may become the backbone of international commerce.

Investor Takeaway

Match2Pay’s FIAT settlement launch is a proof point for hybrid finance. Its transparent economics and scalable rails position it as an infrastructure player, not just a processor.