USDC → EUR
Follow company-owned tokens through an eligible conversion provider to a verified euro account.
Sheet 001 EU crypto–fiat operations
Chart the crossing from chain to euro.
Between a token and a bank credit lie four waypoints: the wallet, the checks, the conversion and the receipt. This atlas maps each one, with the evidence to keep at every landfall.
N 50°06′ · E 08°41′Conceptual chart. Not a funds-flow diagram.
EUR → crypto
Map an approved company bank payment into a defined asset and custody arrangement. This is a process map, not a recommendation to buy.
Crypto revenue → payroll
Separate customer receipts, company conversion and domestic payroll. The route includes contingency planning, not just a transaction.
Provider exit → new route
Move an eligible operating flow only after documenting termination terms, restrictions, destination permission and reconciliation.
02First principle
A token transfer is not a bank receipt.
There is an asset ledger, a service provider, an executed trade and a payment account. The useful questions sit in the water between them.
- 01Asset
- 02Evidence
- 03Execution
- 04Bank credit
01BankingA bank account for a crypto company: build the evidence firstA working file for EU companies that need a fiat account alongside crypto activity. Start with the entity, the activity and the expected flow.02BankingWhen a bank exits a crypto companySeparate a closure notice, a transaction review and a funds restriction. Then build an orderly response and migration record.03Off-rampsFrom USDC to EUR: document every handoffA company treasury route from an identified wallet to a euro account, with a cost model and explicit settlement checkpoints.04MiCAMiCA authorisation: map the service, then the fileAn operating guide to activity mapping, the contracting entity and the evidence behind a CASP authorisation application.05Transfer dataThe travel rule: information travels with the transferOriginator, beneficiary and self-hosted-wallet checks, kept separate from the asset transfer and the commercial evidence.06BankingIBAN discrimination or a different refusal?A fact-finding sequence for rejected euro payments, without treating every crypto-related restriction as an IBAN issue.07BankingExplain a DeFi business to a fiat-account reviewerTranslate protocol activity into legal entities, revenue, control rights and a traceable treasury file.08MiCAEMT, ART and the rights behind a stablecoinIdentify the referenced value, the issuer and the holder’s claim before comparing a stablecoin route with a euro balance.09ReportingDAC8: organise the transaction record before reportingSeparate provider reporting, tax residence information and the company’s own accounting and tax obligations.10BankingWhat a bank reviewer needs to understandBuild an indexed onboarding file that connects ownership, business activity, wallets, counterparties and expected euro flows.
04Instruments
Use the numbers. Keep the record.
The transition is over. Check the entity again.
Do not leave a historic registration in a current-provider permission field.
A transaction hash is not the whole transfer file.
Connect the identity information, technical event and commercial purpose.
Compare net euros, not a headline spread.
One calculation convention prevents several common quote-comparison errors.
Six dated field notes in this edition, plus twenty glossary terms.
QAnswers
Questions before you set out.
01What is The Fiat Atlas?
A visual, source-linked field guide to crypto-fiat operations for EU businesses. It maps legal roles, evidence, conversion and euro payment steps.
02Does the site move money or open accounts?
No. It is an informational project. It does not connect to wallets, execute trades, onboard customers or promise approval.
03Are rates and provider permissions live?
No. The calculator uses your scenario inputs. The register tool is a manual worksheet; official registers remain the source for current status.
04How should the route illustrations be read?
As conceptual operating maps, not prescribed legal processes. The actual entity, activity, asset and jurisdiction determine the requirements.
05Can I use the tools privately?
Calculations and worksheet exports run locally in the browser. No financial data is sent to a backend by this build.