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Sébastien Estines
Co-founder Lyzi
Worldline and Circle announced a partnership around Circle Payments Network (CPN) Managed Payments. The goal: enabling European banks and PSPs to access stablecoin settlement without holding digital assets. A significant market signal. Not a revolution for French merchants, because Lyzi already industrialized this at the physical terminal.
The Worldline-Circle partnership targets financial institutions: PSPs, banks, large international corporates. The mechanism is USDC-based inter-institutional settlement, with Circle managing minting, liquidity, and compliance. The end merchant sees nothing: the transaction stays in euros in their flows.
This is relevant for B2B cross-border settlement. It is not a solution for a retailer who wants to accept crypto at POS, receive euros on their bank account, and move to the next checkout in thirty seconds.
Lyzi is a crypto and stablecoin payment infrastructure, a payment agent registered with the ACPR (REGAFI n° 749869), processing stablecoin payments directly at the physical terminal. EURC (Circle), USDC, and EURCV (Société Générale Forge) are accepted on Ingenico, Verifone, Nepting, Yavin, Sylq, Landi, Sunmi, and Famoco terminals connected to the Lyzi infrastructure.
The flow is straightforward:
No digital asset exposure for the merchant. No non-regulated crypto intermediary. A scalable payment architecture built on top of existing monetary rails, not alongside them.
MiCA has restructured the European stablecoin market. USDT/Tether is no longer distributed by compliant European platforms. For a customer holding USDT, the solution is simple: swap USDT for USDC (or EURC) through a decentralized (DeFi) swap, for example on pay.lyzi.io/otc-swap, outside the regulated payment flow, then pay as usual. EU-regulated stablecoins operable in a merchant context today are:
Lyzi integrates all three assets into its payment infrastructure, with automated bank reconciliation and full traceability for merchants' accounting and compliance teams.
Every time a player of Worldline's scale enters the stablecoin market, demand from retail IT, CFO, and digital teams rises sharply. Procurement teams start evaluating options. The question is no longer "is stablecoin serious" but "which provider can deploy this within my existing infrastructure, within a regulatory framework, without forcing me to change terminals."
Lyzi answers that question with a solution compatible with 1M+ payment terminals, references including Printemps, Fitness Park, Barrière Group, and a status as a payment agent registered with the ACPR that lets retailers operate with no regulatory reclassification risk.
Lyzi also operates as a white-label infrastructure for PSPs and banks looking to embed crypto payments into their offering without building their own stack. The Worldline-Circle deal confirms this positioning is the market direction. Lyzi delivers it today, without dependency on Circle for blockchain orchestration: the infrastructure is proprietary, multi-chain, connected to 10 blockchains and 500+ compatible wallets.
EURC is the reference euro stablecoin for merchant payments in Europe in 2026. Available on Ethereum, Solana, Base, Stellar, and Avalanche, it is already integrated into Lyzi's payment infrastructure for e-commerce flows and into the POS infrastructure for physical merchant flows. Merchants accepting EURC via Lyzi benefit from direct settlement with no manual conversion, automated bank reconciliation, and an ACPR framework covering the entire processing chain.
The demand is there. The infrastructure is too. Contact our team to assess deployment on your terminals.
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