Don’t watch the shift. Lead it.
Move money. Launch products. Reach new markets. One full-stack platform connecting financial systems and onchain networks, so you can make your next move.
The Rise of the Internet Financial System
A new architecture for the movement, storage, and creation of value emerges.
The Economic OS for the internet
An open Layer-1 blockchain purpose-built to unite programmable money and onchain innovation with real-world economic activity.
Circle Payments Network
Helping financial institutions achieve seamless, near-instant, global money movement across previously fragmented networks.
Modern infrastructure for leading innovators
Circle is building the foundation for an open, internet-native economy.
Trusted by leading financial institutions since 2013, our full-stack platform including Arc,1 USDC,2 and Circle Payments Network,3 connects traditional finance and onchain infrastructure to create a new internet financial system that is accessible and reliable by design.
Operating responsibly at global scale. So you can too.
Circle is one of the most widely regulated and licensed stablecoin issuers in the world.
United States
Money transmitter licenses (MTL) in 46 states, the District of Columbia, and Puerto Rico. BitLicense from the New York State Department of Financial Services (NYDFS). Registered as a “Money Services Business” with Financial Crimes Enforcement Network (FinCEN). Receipt of conditional approval for National Trust Bank (NTB).
European Union
First global stablecoin issuer to achieve compliance with Markets in Crypto-Assets Regulation (MiCAR). Electronic Money Institution license from the Autorité de Contrôle Prudentiel et de Résolution (ACPR).
United Kingdom
Electronic Money Institution license from the Financial Conduct Authority (FCA).
Singapore
Major Payment Institution (MPI) License from the Monetary Authority of Singapore (MAS).
United Arab Emirates
Financial Services Permission (FSP) license from the ADGM's Financial Services Regulatory Authority (FSRA). Also the 1st stablecoins to be approved by the Dubai Financial Services Authority (DFSA).
Bermuda
Class F Digital Asset Business license from the Bermuda Monetary Authority (BMA).
Canada
First company to comply with the Ontario Securities Commission (OSC) and Canadian Securities Administrators’ (CSA) Value-Referenced Crypto Asset (VRCAs) requirements.
Japan
First foreign-issued fiat stablecoin permitted by Japan’s Financial Services Agency (JFSA) for local distribution by JFSA licensed intermediaries under the Payment Services Act.
Welcome to finance without friction
Payments that move at internet speed
Settle in seconds, not days. Move money around the world any time, near instantly.- One network with global reach. Move money with a global system connected by Circle Payments Network.3
- Compliance, built in. Transact with regulated,2 fully-reserved stablecoins. No compliance workarounds, no gray areas.
Give your customers access to digital dollars and euros around the world
- Digital dollars and euros. USDC and EURC are available globally in both existing and new markets.4
- Increase TAM, cross-sell, up-sell. Give your customers access to digital currencies to send, spend, and save.
- Fully reserved. Circle’s stablecoins are backed 100% by highly liquid cash and cash equivalent assets.
A liquid foundation for institutional trading
- Institutional-grade liquidity. Benefit from USDC availability and related liquidity services.
- Seamless cross-chain rebalancing. Move funds across supported chains and improve capital efficiency.
- One-to-one redeemability. Swap one USDC for one dollar at scale.
The open economy is in motion. Build it on our full-stack platform.
We’re shaping what comes next
Let’s build together
Partner with Circle
Build with Circle
- Arc testnet is offered by Circle Technology Services, LLC (“CTS”). CTS is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws.
Arc has not been reviewed or approved by the New York State Department of Financial Services.
The product features described in these materials are for informational purposes only. All product features may be modified, delayed, or cancelled without prior notice, at any time and at the sole discretion of Circle Technology Services, LLC. Nothing herein constitutes a commitment, warranty, guarantee or investment advice. - USDC and EURC are issued through regulated entities of Circle. See Circle’s list of regulatory authorizations.
- Circle Technology Services, LLC (CTS) is the operator of Circle Payments Network (CPN) and offers products and services to financial institutions that participate in CPN to facilitate their CPN access and integration. CPN connects participating financial institutions around the world, with CTS serving as the technology service provider to participating financial institutions. While CTS does not hold funds or manage accounts on behalf of customers, we enable the global ecosystem of participating financial institutions to connect directly with each other, communicate securely, and settle directly with each other. CTS is not a party to transactions between participating financial institutions facilitated by CPN who use CPN to execute transactions at their own risk. Use of CPN is subject to the CPN Rules and the CPN Participation Agreement between CTS and a participating financial institution.
- Circle Mint supports international wires and domestic bank transfers in more than 185 countries. Circle Mint is currently only available to institutions. Circle Mint customers are able to redeem USDC directly from Circle. In addition, Circle will redeem all USDC presented to it for redemption in compliance with MiCAR, regardless of whether the holder is a Circle Mint customer. Circle Mint is currently available only to institutions and is not available to individuals.
- USYC is issued by Circle International Bermuda Limited, regulated by Bermuda Monetary Authority (BMA), and represents an interest in a Cayman Islands mutual fund licensed by Cayman Islands Monetary Authority (CIMA). Information about USYC is directed only to entities who are not US Persons, as defined in Regulation S under the Securities Act of 1933.
USYC is a digital asset token. Each USYC token serves as a digital representation of a share of the Hashnote International Short Duration Fund Ltd. (the “Fund”), a Cayman Islands registered mutual fund. The Fund has appointed Circle International Bermuda Limited (“CIBL”), a Bermuda Monetary Authority licensed digital asset business, as its token administrator, responsible for the management of USYC on behalf of the Fund. As used herein, the term “near-instant” and “always” is intended to signify that, under ordinary operating conditions, redemption requests are filled on a near-real-time basis, subject to factors including, without limitation, blockchain network congestion and the Fund’s then-current liquidity position.
Shares of the Fund and USYC are only available to non-U.S. Persons, as defined under the Securities Act of 1933, as amended. Additional eligibility restrictions may apply. The information provided herein is solely for educational and informational purposes and should not be construed as an offer to sell or a solicitation of an offer to buy any security, financial instrument, or other product. - Circle Mint and money transmission services are provided by Circle Internet Financial, LLC, NMLS # 1201441, and Circle Internet Financial Europe SAS, Electronic Money Institution License No. 17788, when provided in France. A list of Circle’s regulatory authorizations can be found here. Circle Mint is currently available only to institutions and is not available to individuals
- StableFX is offered by Circle Technology Services, LLC (“CTS”). CTS is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws. StableFX is a collection of API and on-chain smart contracts that enable data sharing between counterparties to a transaction without intermediation by CTS. CTS’s role is limited to broadcasting information between the relevant parties and to the on-chain smart contract that enables settlement directly between the relevant parties. CTS does not accept or transmit digital assets on behalf of StableFX users. The product features described in these materials are for informational purposes only. All product features may be modified, delayed, or cancelled without prior notice, at any time and at the sole discretion of Circle Technology Services, LLC. Nothing herein constitutes a commitment, warranty, guarantee or investment advice.
- Contracts and Wallets are provided by Circle Technology Services, LLC (“CTS”). CTS is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws. For additional details, refer to the Circle Developer Terms of Service.
- March 28, 2026 8:00 PM
- As of April 2025.
