Centi

Centi is a Swiss stablecoin payments company with products on two sides: a non-custodial consumer wallet that converts cash directly into digital currency without a bank account, and a stablecoin-as-a-service business platform covering white-label stablecoin issuance, settlement, and tokenization tooling, built on the STAS token protocol on Bitcoin to push transaction costs to sub-cent levels and make micropayments viable. Compliance runs through VQF membership under the Swiss Financial Market Supervisory Authority's AML principles, and the business side delivers wallets and checkout interfaces white-label, with branding and fee structures configured by the client.

On the merchant side, stablecoin clearing is embedded into e-commerce acquiring and POS scenarios, with funds settling near-instantly instead of through multi-day card-network rails. On February 5, 2026 Centi partnered with the licensed e-money institution AllUnity. Its BaFin-regulated euro stablecoin EURAU then entered the Centi app and merchant acceptance scenarios, letting users hold both fiat-pegged stablecoin and digital cash balances in one account.