Italy Tops the World with Crypto‑FIAT Payment Patent: The Revolution Starts with Affidaty

Introduction

June 23, 2025, marks a milestone for global financial innovation and a symbolic achievement for Italian technological excellence. On this date, Affidaty S.p.A. – a tech company specializing in blockchain infrastructure and decentralized finance solutions – was granted Patent No. 102023000009312 by the Italian Patent and Trademark Office. This world-first technology enables compliant, traceable, and operational linking of cryptocurrencies with traditional euro payments.

This patent stems from Affidaty’s experience and vision, leveraging its open-source blockchain T.R.I.N.C.I.® and Synkrony® ecosystem to address market needs, offering a concrete answer to the interoperability challenge between digital assets and FIAT currencies.

This innovation is not only a technological milestone but also an institutional recognition: Italy is the first country worldwide to issue a patent for a crypto‑FIAT payment system with these features, reinforcing its strategic position in the Web3 landscape and confirming its leadership in advanced fintech and blockchain sectors.

In an international context still uncertain on regulatory and technological fronts – with powers such as the United States, China, and the European Union working on frameworks for crypto integration in the real economy – Italy stands out for legally recognizing and protecting an already functioning and integrated solution.

This historic achievement has also caught the attention of major Italian media outlets such as Il Corriere della Sera, Milano Finanza, ANSA, La Nazione, MSN, and Reuters.

In particular, the prestigious national newspaper Corriere della Sera gave significant coverage to the news, highlighting the strategic importance of Affidaty’s patent and Italy’s leading role in the regulated adoption of blockchain technology.

Read the article on Corriere della Sera

Revolutionary Technology: Pay in Crypto, Receive in Euro

The patented technology allows merchants to accept cryptocurrency payments (Bitcoin, stablecoins, and other digital assets) and receive instant credit in euros, avoiding volatility risks and on‑chain confirmation delays.

The system operates via FIAT pre‑authorization (card or SEPA transfer) in parallel with the crypto transaction: if the crypto payment completes within a set timeframe, the pre‑authorization is canceled; if not, the euro payment is triggered. Everything complies with European regulations, with guaranteed traceability at every stage and designed for scalable, commercial-scale adoption.

A Made‑in‑Italy Innovation with Global Impact

At the core of this revolution is the T.R.I.N.C.I.® open‑source blockchain, compliant with the EU’s MiCAR Regulation, integrated into the Synkrony® ecosystem: a full suite engineered for real‑world blockchain adoption.

Affidaty also developed a dedicated physical device with touchscreen and QR reader, offering a user‑friendly experience for both merchants and customers, bridging crypto systems and regulated euro settlements.

This achievement is not just a technological leadership; it is a symbol of Italian fintech excellence. “Made in Italy” becomes synonymous with solidity, security, and innovation, even in the most competitive global markets.

Interest from Major International Players

Such a solution cannot go unnoticed by traditional finance and crypto‑fintech giants. Visa, Mastercard, PayPal, American Express, as well as Binance, Coinbase, Kraken, and Bybit, have long been seeking compliant, secure, and scalable systems to bridge the FIAT and digital worlds.

Traditional banks and investment funds – increasingly active in Web3 – could also take keen interest in a patented solution that effectively and certifiedly addresses digital asset and legal currency interoperability.

In this context, Affidaty positions itself not only as a tech innovator, but as a strategic partner for the global digital payments ecosystem.

Strategic Value for Italy

The Italian Patent Office’s grant of the world’s first system capable of connecting cryptocurrencies and euro payments marks a historic moment for Italy, both institutionally and technologically.

Italy secures a global first, leading in the regulated adoption of blockchain technology in finance. While other global actors are still debating regulatory frameworks, Italy certifies and protects a functional, compliant technology through an official patent.

This move also sends a strong signal to the Italian government and European institutions, adding credibility to the country in shaping policies for digital transformation and decentralized economy. With this step, Italy proves it can innovate in the most strategic and competitive future sectors.

A Real Bridge Between Two Worlds

What makes this solution truly unique is its real integration of crypto and FIAT within an already regulated, operational, and scalable ecosystem.

Thanks to automated compliance tools, pre‑authorization management, and instant documentation availability for merchants, Affidaty’s patented technology is positioned as the new standard in digital payments.

This achievement is the outcome of years of effort, backed by a well-managed legal process supported by lawyer Mariacristina Rapisardi, who expertly handled the patent filing.

A Rapidly Evolving Market

The digital payments and cryptocurrency sector is undergoing an unprecedented transformation. According to Statista’s 2024 report, digital payment volumes will exceed $9.5 trillion in 2025, with annual growth of 12%.

Meanwhile, active global crypto users reached 560 million in 2024 (Triple‑A data), marking a 35% increase from the previous year. Cryptocurrencies are no longer niche but a mature, efficient payment channel increasingly adopted by consumers and businesses.

Driving this evolution are not only startups and Web3 projects but also large multinationals like PayPal, Visa, Mastercard, Stripe, Revolut, JP Morgan, and Tesla, which have already initiated asset digitization in their payment or treasury systems.

Concrete Benefits for Businesses

Introducing Affidaty’s patented system offers strategic opportunities for Italian and European businesses looking to modernize payment channels and boost competitiveness.

According to Forrester Consulting’s “The Total Economic Impact of Accepting Bitcoin Using BitPay” report, companies adopting crypto payments have achieved:

A 327% average ROI in three years
Lower fees (0.5–1% vs. 2–3.5% for cards)
A 40% increase in average transaction size
Greater customer loyalty drawn by innovation and flexibility

These benefits apply not only to large operators but are even more relevant for SMEs, professionals, local businesses, and artisans often penalized by high traditional POS fees.

Conclusion

The patent granted to Affidaty S.p.A. is not only a corporate success but a milestone for the whole Italian innovation ecosystem. Being the first country to patent an interoperable crypto‑euro technology with an operational infrastructure raises the bar in innovation and international credibility.

This recognition shows how, through synergies between the private sector, institutions, academia, and professionals, Italy can play a leading role in Europe’s and the world’s new digital finance.

For Affidaty, this is just the beginning. The goal is to create an ecosystem where cryptocurrencies become daily-use tools, transparently, safely, and sustainably integrated into commercial, industrial, and institutional circuits.

For Italy, it’s a chance to write a new technological narrative: no longer just a homeland of design and culture, but an exporter of advanced digital innovation models based on ethics, legality, and long-term vision.

A new Made‑in‑Italy, where blockchain meets ingenuity, finance aligns with legality, and the future becomes reality.

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