
Flexa's SEPA-based platform lets merchants accept crypto payments without custody or exchange-rate risk. The expansion covers 37 European markets, with euro settlement.
Flexa has expanded its regulated payments platform across Europe, adding 37 countries and territories through the Single Euro Payments Area (SEPA). Merchants, institutions, and developers across the region can now accept digital asset payments and process payouts with euro settlement, the company said July 8.
The rollout gives businesses a way to accept crypto online, in person, and in apps without taking custody of the assets or carrying exchange-rate risk. Payments settle instantly in the merchant's preferred currency. Flexa said businesses can connect through existing payment processing systems rather than swap out checkout hardware or rebuild back-office operations.
“As is the case everywhere Flexa operates, every transfer is fully fraud-resistant, guaranteed at the moment of authorization, and never subject to unexpected reversals,” the company said in a statement.
Flexa already operates in the United States, Canada, and El Salvador. The European expansion extends the network to cross-border transfers, remittances, and business disbursements. Organizations can move digital assets and stablecoins between the U.S. and Europe, and across European borders, with settlement in seconds through the same network behind merchant transactions, the company said.
Flexa's European operations are anchored by Flexa Polska in Warsaw, formed last year ahead of the European Union's Markets in Crypto-Assets Regulation (MiCA). Through SEPA, merchants and institutions settle directly in euros without handling custody, exchange, or reconciliation.
Trevor Filter, cofounder and CEO, said businesses across Europe want money movement that simply works – no custody, no volatility, no surprises. He cited Poland's investment in technology, regulatory support, and startup development as reasons for selecting Warsaw as the company's European headquarters.
“The establishment of Flexa Polska reflects our long-term commitment to this new market and the work we’re doing to support customers across the region,” President and Chief Legal Officer Upneet Teji said, adding that global expansion requires regulatory, compliance, and operational foundations alongside payment technology.
The expansion opens Flexa's platform across SEPA while laying the groundwork for broader payment services. The company said the platform supports merchant payments, payouts, remittances, and digital asset conversion, although it did not provide a timeline. Customer adoption and future deployments will determine how those capabilities expand. Crypto firms serving clients across the European Economic Area face shutdown risk if they fail to secure authorization under MiCA.
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