Marketplaces, creator platforms and agencies share one payment shape. Many recipients, modest amounts, scattered countries, and a payout run every week or month that costs more to execute than anyone budgeted.
The rail helps with the economics. It does not, yet, help with the volume mechanics, and this page is straight about which is which.
A flat bank fee that is trivial on fifty thousand euro is punitive on eighty.
Each new market means another banking relationship or another intermediary taking a cut.
Weekly or monthly, so any per-payment friction multiplies immediately.
The amount received rarely matches the amount sent, and your support team hears about it.
This is the section that decides whether the platform suits you today, so it comes before the sales argument rather than after it.
The related detail sits on paying many recipients at once. If high volume is the point of your project, have that conversation before anything else.
Every payout in a run goes through the same sequence.
| Seller type | Route | What they get |
|---|---|---|
| Already holds a wallet | Send | A supported stablecoin, available once funds have been received |
| Wants local money | Make a Payment | Fiat in their bank account, over traditional rails |
| In a market your bank finds hard | Depends on coverage | Worth confirming country by country before you promise it |
The mix decides how much you actually gain. If most sellers want fiat, the speed benefit lands mostly on your side, in funding and treasury, rather than in how fast the seller sees money. The cost benefit still applies either way.
Most of the operational risk in cross-border payments comes from paying the wrong party, or taking money from a source you cannot account for. NGPES makes both a deliberate step.
Here is what each leg takes.
| Leg | Timing |
|---|---|
| Stablecoin transfer | Settles instantly within the platform, once funds have been received and are available. |
| Stablecoin to fiat conversion | Instant. |
| Fiat arriving at the recipient | Depends on the destination currency, the geography and the external banking rails involved. NGPES does not control this leg. |
| Fiat top-up | Depends on the inbound transfer reaching your linked IBAN. |
The digital asset layer is instant once liquidity is available, and the fiat legs at either end move at the speed of the banks involved. That is a large improvement on a correspondent banking chain, and it is not the same as end-to-end instant.
This is what the platform supports today.
| Position today | |
|---|---|
| Stablecoins | Selected MiCA-compliant stablecoins only. Assets outside that set are not held on the platform. |
| Non-compliant assets | Funds arriving in an asset that is not MiCA-compliant can be converted into a MiCA-compliant one, as a case-by-case exception, not a standing service. |
| Fiat | Moves in and out through the linked IBAN via on-ramp and off-ramp. Fiat balances are not held on the platform. |
| Swap | Between supported MiCA-compliant stablecoins only. |
| External accounts | You can register your own external bank accounts and wallet addresses. They are verified before use, and only for flows involving the same organisation. |
| Team management | Announced as coming soon. Not available yet. |
If a particular asset, currency or corridor matters to your business, ask us before you build around it.
Where NGPES is authorised today.
NGPES is based in France and the platform supports selected MiCA-compliant stablecoins only, by design. Services will become available only upon obtaining the relevant CASP and EMI authorisations.
What NGPES states today.
| What NGPES states | |
|---|---|
| Reach | Funds move across 150+ countries via SEPA, SWIFT and local rails. |
| Stablecoin settlement | T+0. |
| Fiat settlement | T+1. |
| Processing | 24/7/365, with no end-of-day batch. Everything is processed in real time. |
| Conversion | Instant conversion between fiat, in USD, EUR and GBP, and stablecoins. |
| Exchange | 24/7 fiat to stablecoin exchange, with OTC support. |
For a per-country arrival time, a fee, or the supported asset and network list, talk to the team.
Payments go individually to registered counterparties, and there is no bulk or batch upload documented today. Whether that suits you depends on how many sellers you pay and how often, so discuss the mechanics with the team first.
Because the transfer cost depends on the network, not the distance or the amount. That is why small cross-border payments are viable at all.
No, if they are paid through Make a Payment. They receive ordinary fiat in their bank account.
Yes. Each recipient exists as a counterparty record with routing details attached before funds can be sent. It is once per seller, not once per payout.
Not stated in the current documentation. Confirm it, because it decides whether the smallest seller balances can be paid.
Yes, through subaccounts, each with its own balances and transaction history under central control.
Every payment appears in Activity alongside the top-ups that funded it, and the full history exports to CSV or Excel.
How many sellers, how often, which countries. We will tell you what works today and what does not.
NGPES, Next Generation Payment EcoSystem, is a B2B payment infrastructure that enables businesses to send, receive, hold and move money efficiently across borders. Both fiat currencies and regulated stablecoins are integrated, for faster settlements, lower costs, and enhanced transparency. NGPES is based at 35 avenue de Friedland, 75008 Paris, and was ranked 83 in the Finance Innovation Fintech100 2025.
Interested in our solution? Talk to our team, or email sales@ngpes.com.
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