How Fivo works
Five principles that define how we handle payments, custody, and compliance.
Fivo is a technology platform
Fivo provides software for merchants to accept stablecoin payments. We are not a bank, not a custodian, and not an exchange.
Fivo does not hold merchant private keys
Private keys are managed by Circle Programmable Wallets and stored in Hardware Security Modules (HSMs). Fivo personnel cannot access them.
Wallet infrastructure and custody are provided through Circle
Circle is a regulated financial technology company (MSB licensed with FinCEN, MiCA compliant in the EU, SOC 2 Type II audited). All wallet operations and fund custody are handled through Circle's infrastructure.
Cross-chain routing is powered by Circle CCTP
When a customer pays from a different blockchain, USDC is routed through Circle's Cross-Chain Transfer Protocol. No liquidity pools, no third-party bridges, no slippage.
Merchants are responsible for compliance in their jurisdiction
Fivo does not provide legal, tax, or regulatory advice. Each merchant is responsible for complying with the laws and regulations applicable in their jurisdiction.
For technical details on encryption, authentication, and audit trails, see our Security page.
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