One account and one identity, rather than a bank on one side and an exchange account on the other.
This is what an NGPES account gives a company, and where its edges are.
The operational object. Supported stablecoins are held here and every action runs from it.
Linked to the wallet, connecting it to traditional fiat rails for on-ramp and off-ramp.
Separate balances and transaction histories per team, function or payment flow, under central control.
The list of who you may pay and who may pay you, with routing details verified in advance.
The most important thing to understand before opening one, because it shapes your treasury policy.
The platform holds supported stablecoins. It does not hold fiat. When euro arrives at your linked IBAN it is processed through the on-ramp and converted into a supported stablecoin, and that is what appears as your balance. When you need euro out, the balance converts back and leaves through traditional rails.
The account is a stablecoin account with a compliant euro entrance and exit, not a euro account with a crypto feature attached. Whether that suits you depends on whether your business is comfortable holding a stablecoin balance between transactions, which is a real question and one worth answering internally before onboarding rather than during it.
The platform runs on a stablecoin settlement layer. Fiat is not held inside it. It moves in and out through a linked IBAN, and converts on the way through.
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.
None of this is exotic. It is the same discipline a company applies to its bank accounts, applied to an account whose balance happens to be a stablecoin.
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.
A company account holding supported stablecoins in a custodial wallet, with a dedicated IBAN attached for moving fiat in and out, plus counterparty controls, subaccounts and a full transaction record.
No. Fiat is not held on the platform. It arrives and leaves through the linked IBAN and converts into a supported stablecoin on the way in.
Yes. Subaccounts each keep their own balances and transaction history while the organisation retains central control.
Counterparties recorded in the platform, with the name and the IBAN or wallet address attached. Payments cannot be sent to an unrecorded destination.
You can register your own external bank accounts and wallet addresses. They are verified before use and support flows involving the same organisation.
Team management is announced as coming soon rather than available today.
A real-time dashboard and a full transaction history covering top-ups, transfers, payments and swaps, exportable to CSV or Excel.
Bring your entity structure and your payment flows. That is the conversation that matters.
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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