On this page
- Setup has four steps: Who gets paid, Two-factor sign-in, The wallet you get paid to, and Submit for review.
- A person reviews the typed profile; no identity document is requested, and the category you pick sets off no automatic rule.
- The outcome is approved, changes requested (with a note) or not approved. Not approved is final.
What do you need before applying to Fianto?
You need an email inbox, an authenticator app, a Solana wallet that can sign messages, and the facts about your business. Gather these before you start, because the profile is typed into a form and the wallet step expects a signature within five minutes:
- An email address you can read now: the sign-up code expires after 10 minutes.
- A password of 12 to 128 characters mixing at least two kinds of character. A password found in a public data breach is refused.
- An authenticator app on your phone for two-factor sign-in.
- A Solana wallet in this browser that can sign messages, which you plan to keep for the long term. It needs a USDC token account before your first sale.
- For a registered company: its legal name, its registration number, and the name and country of everyone who owns 25% or more.
- For an unregistered business or an individual: your date of birth and nationality.
You must be 18 or older, and the sign-up form asks you to tick a box agreeing to the Terms of Service and the Acceptable Use Policy. Read the policy before you apply: it lists the businesses Fianto never allows and those that need its written approval first.
What does the Fianto business profile ask?
The business profile is the "Who gets paid" step, and it starts with one of three cards: "A registered company", "A business, not registered" or "Just me". The dashboard describes the step as "Typed, about 30 seconds, nothing to upload". Every type asks the same core questions:
| Field | Rule | Why it matters |
|---|---|---|
| Business name | Up to 100 characters | Once approved, this becomes the name payers see on checkout, and you cannot edit it yourself |
| Your full name | Up to 200 characters | The person behind the account |
| Country | One of 249 country codes | Where you or the business are based |
| What you sell | One of 17 fixed categories | Read by the reviewer; no rule acts on it automatically |
| Website | Optional | Shows the reviewer what you sell, if you have one |
| Declaration | Required tick | "This is true and complete. I will tell Fianto within 10 business days if it changes." |
A registered company adds its legal name, its registration number, and everyone who owns 25% or more, "directly or through other companies": up to 10 owners, each with a name and country of residence, or the box "Nobody owns 25% or more". An unregistered business or an individual adds a date of birth (an age between 18 and 120) and a nationality.
The 25% line is a familiar one. As of 15 October 2026, the US customer due diligence rule for banks and other covered institutions, 31 CFR 1010.230(d)(1), defines a beneficial owner as each individual who "owns 25 percent or more of the equity interests" of a legal entity customer. Fianto's form uses the same threshold. This is not legal advice about which rules apply to your business.
Fianto keeps the answers for 6 years after you stop using it, or longer where a law requires it, and does not ask your customers for ID.
Which businesses need extra review under the Acceptable Use Policy?
Seven of the 17 categories in the "What you sell" list line up with businesses that Fianto's Acceptable Use Policy allows only after written approval. The policy page, version 1.1, effective 23 September 2026, says these are "allowed only after we have reviewed them and confirmed in writing" and that Fianto "may ask for licences, legal opinions or proof of how you protect customers".
| Category in the form | What the policy says it usually asks for |
|---|---|
| Gambling or games with prizes, licensed | The licence for each country you serve, and how you block countries where you are not licensed |
| Forex, CFDs or prop trading | Your authorisation from the relevant regulator |
| Financial or investment services | Your authorisation from the relevant regulator |
| Crypto exchange, wallet or staking services | Registrations or licences, and your own compliance programme |
| A platform where other sellers get paid | How you verify and monitor your sellers |
| Adult content | Age and consent checks for everyone who appears, and age checks for buyers |
| Dating | How you handle safety reports and fake profiles |
The mapping above is ours: the form and the policy use different words, so read section 3 of the policy for the exact list. If your business sits in one of these rows, the policy says Fianto may ask for what the right-hand column names, so have it ready. Section 2 of the policy lists businesses that are never allowed, such as unlicensed gambling, investment schemes and weapons. The category itself is information for the reviewer: in Fianto's code, no rule acts on it automatically.
Why does Fianto require two-factor sign-in and a wallet signature?
Two-factor sign-in and the wallet proof stop someone with your password from redirecting your payments. Both must be done before the "Submit for review" button works.
Two-factor sign-in
Two-factor sign-in, or TOTP, is a six-digit code from an app on your phone that changes every 30 seconds. You enter your password, scan a QR code and confirm a code within 10 minutes. Fianto then shows 10 recovery codes once; each works once if you lose the phone. They are not a wallet recovery phrase; seed phrase vs private key explains the difference. Two-factor sign-in cannot be turned off afterwards.
The wallet you get paid to
The wallet proof is a signed message, not a transaction. It starts "fianto wants you to confirm this wallet receives payments for your account." and ends "This is a message, not a transaction. Signing it costs nothing and moves nothing." Sign within 5 minutes. One wallet can serve only one Fianto merchant, and the newest wallet you prove is the one submitted.
How the wallet and your sign-in are protected after approval is on the security page.
What happens after you submit for review?
Submitting freezes a copy of your profile, your newest proven wallet and your two-factor state, and a person on the Fianto team decides. You cannot edit your details or withdraw the application while it is in review. Fianto does not promise a review time.
| Status | What you see | What you can do |
|---|---|---|
IN_ | "In review." with See what you sent | Wait |
CHANGES_ | "Needs changes." with a note of up to 2,000 characters | Fix what the note asks, then Submit again; the account returns to review |
APPROVED | "Your account is approved" | Create API keys, products, payment links and a shop |
REJECTED | "Fianto cannot take payments for this business." with a note | Nothing in the dashboard: the decision is final. Write to support@fianto.xyz if you think it is wrong |
Fianto tries to email the decision, with subjects such as "Your Fianto account is approved" or "Changes needed on your Fianto application", but these emails are best effort. The setup page always shows the latest status, so check there. The review and approval docs show every banner word for word.
Start the four setup steps now. Nothing to upload, and no Fianto fee during the beta.
How accepting USDC worksWhat can you do in Fianto before approval?
Before approval you can explore the dashboard and design a shop draft, but nothing can collect money. Lists stay empty and the Overview shows zeros. Buttons such as New product or New API key open a dialog that says your business is being set up or in review. Any API key answers every request with 401 invalid_, so no checkout can be created.
Use the wait to plan the parts that do not need approval: pick a shop look with the guide to the 23 shop themes, decide your prices, and send your receiving wallet a small amount of USDC once so it has a USDC token account. Without that account, creating a checkout fails with merchant_. If you sell on WooCommerce, read what works for WooCommerce and USDC today before you promise customers a crypto button.
Once approved, you pay nothing to Fianto and never pay a Solana network fee. During the beta there is no Fianto fee at all; afterwards the customer pays about 0.1 to 0.5% on top of your price. The no-code shop walkthrough is a good first build.