Januar accelerates Euro-to-USDC settlement for European businesses with Circle Mint

As stablecoin usage in Europe grew, two variables started to dominate Januar’s customer conversations: price and speed. Customers wanted reliable access to stablecoins, especially for EUR-to-USDC¹ flows, but sourcing through third-party venues kept adding complexity. Every additional provider meant another spread, another settlement dependency, and another place where liquidity had to be staged before customer demand appeared.

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Moving closer to the source with Circle Mint

For a EUR-focused payments business, Circle Mint offered a more direct path to the stablecoin infrastructure Januar needed. Januar’s integration with Mint gave it access to USDC and EURC, plus EUR-to-USDC conversion through built-in foreign exchange (FX).

Januar’s business depends on making fiat and stablecoin movement feel like a single, reliable workflow for the customer. When sourcing stablecoins requires multiple external steps, those steps compound: wider spreads, slower settlement, more complex liquidity planning, and a clunkier customer experience.

With Mint, Januar could replace those intermediary routes with a direct integration designed for institutional stablecoin access. Januar’s platform already emphasizes API-based financial workflows, and its Mint integration fit into that operating model.

For a regulated payments company in Europe, the choice of infrastructure also had to match Januar’s compliance posture. As MiCA reshaped the European market for digital assets, Januar needed a partner whose infrastructure could help it serve customers with confidence, especially as demand shifted toward compliant stablecoin options. The alignment showed up in product decisions: in January 2025, Januar discontinued USDT trading for European customers because USDT was no longer approved to operate within the EEC, concentrating its stablecoin offering on USDC and EURC.

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Lower costs, faster settlement, leaner capital

After integrating Mint, Januar improved the parts of its stablecoin operation that matter most to customers: pricing, execution speed, and reliability.

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With fewer intermediaries in the flow, Januar reduced the cost of buying and selling stablecoins. EUR-to-USDC settlement became faster and more predictable. Liquidity that used to sit pre-staged across external venues could be deployed more efficiently, freeing up idle capital and giving Januar room to support customer demand as it materialized.

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A stronger platform for regulated digital asset businesses

Januar’s broader platform is designed to help businesses run their fiat and digital asset operations inside one regulated environment. Its IBAN accounts support day-to-day payments across more than 30 countries, its conversion product covers USDC and EURC alongside other assets, and its custody, approval controls, RFQ engine, and API/webhook infrastructure help teams operate with more control and automation than a patchwork of external tools allows.

Mint strengthened that model by improving one of the most important movements inside the platform: turning EUR into stablecoin liquidity customers can actually use. The result is a more dependable foundation for serving cryptocurrency-native businesses that need fiat accounts, compliant stablecoin access, and reliable execution in one place.

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From workaround to default

Januar plans to keep building on its work with Circle as Europe’s stablecoin market matures. Near-term, that means making the most of the Circle Payments Network² to broaden Januar’s settlement reach, continued improvements to EUR-to-USDC FX economics for customers, and expanded access to credit and liquidity inside the regulated infrastructure Januar operates under. 

Each of those steps points in the same direction: making compliant stablecoin operations a default capability for European crypto businesses, not a workaround.
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