Real-time visibility over balances and activity, with conversion between USD, EUR, GBP and supported stablecoins.
NGPES is built for the person who has to answer to an auditor, not the person excited about the technology.
In a custodial wallet as supported stablecoins. Fiat is not held on the platform, it moves through the linked IBAN.
You, to counterparties recorded in advance. There is no free-text destination field.
Subaccounts per team, function or payment flow, each with their own balances and history, under central control.
A real-time dashboard, and a full transaction history that exports to CSV or Excel.
Before any of the operational detail, there is one decision that belongs to the board rather than to operations.
The platform settles in stablecoins. Between transactions, your balance on it is a supported stablecoin rather than euro. That is a deliberate design, it is what makes the settlement speed possible, and it is a position your treasury policy has to acknowledge explicitly.
Some businesses are comfortable holding that balance and use the platform as an operating account. Others convert out to fiat as soon as a receipt lands, and use it purely as a fast transit layer. Both are legitimate. Choosing deliberately, and writing it down, is what separates a controlled treasury from an improvised one.
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.
The constraint throughout is that Swap works between supported MiCA-compliant stablecoins only. It is not a route to an asset outside that set.
The reconciliation gap is the objection that stops most digital asset treasury projects, and it deserves a specific answer rather than reassurance.
| What you need | Where it comes from |
|---|---|
| Current position | The dashboard: supported stablecoin balances, transaction activity and account-level liquidity, in real time. |
| The full transaction record | Activity, covering stablecoin transfers, fiat payments, swaps and top-ups. |
| Something your ledger can ingest | The whole history exports to a data file, CSV or Excel. |
| Separation by business unit | Subaccounts, each with their own balances and transaction history. |
The point is that the fiat legs and the stablecoin legs are in the same history. You are not joining an exchange export to a bank statement and hoping the references line up.
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.
The same discipline as any treasury, applied to an account whose settlement balance is a supported stablecoin: know the position, control who can be paid, separate the flows, and produce a record that reconciles.
No. Fiat is not held on the platform. It moves in and out through the linked IBAN and converts into a supported stablecoin on the way in.
Subaccounts. Each holds its own balances and transaction history under one organisation account with central control.
Swap between supported MiCA-compliant stablecoins to spread across issuers, without needing an exchange account.
Counterparties must be pre-registered with their routing details, and sources must be whitelisted before funds can be received. Unknown inbound funds are held while support contacts you.
Team management, which would cover inviting colleagues and assigning roles, is announced as coming soon rather than available today.
The dashboard gives the live position and Activity holds the full history of transfers, payments, swaps and top-ups, exportable to CSV or Excel.
The useful conversation is about what you are willing to hold and for how long.
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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