Balances sit in a MiCA-compliant custodial wallet that is the environment your payments run in, not a separately sold custody product.
Here are our answers to those four. Custody with NGPES is the environment your payments run in rather than a separately sold service.
In a custodial wallet linked to your account. Depending on the supported network, different wallet addresses may apply.
You do, through Send, Make a Payment and Swap, to destinations recorded in advance.
Counterparties must be pre-registered and sources whitelisted. There is no free-text destination.
A real-time dashboard plus a full transaction history that exports to CSV or Excel.
The custodial wallet is the primary custody and processing environment on the platform. Each account is linked to one, and every payment action runs from it.
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.
It is worth being straight about the framing, because custody is sold in this market as a standalone institutional service and that is not what this is.
On the NGPES platform, custody is the environment your balance sits in so that the five payment actions can run against it. It is infrastructure underneath the payments rather than a separately purchased safekeeping arrangement.
If you are looking for a qualified custodian mandate, segregated cold storage tiers, or an institutional custody agreement as a discrete product, ask the team directly rather than assuming the platform's custodial wallet is the same offering. It is a fair question and it deserves a direct answer rather than an inference from a marketing page.
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.
In a custodial wallet linked to your account. It is the primary custody and processing environment, and every payment action runs from it.
No. Fiat is not held on the platform. It moves in and out through the linked IBAN via the on-ramp and off-ramp process.
Selected MiCA-compliant stablecoins only.
Yes. Subaccounts support more granular structuring, including separate wallet usage across teams, functions or payment flows.
No. You can register and verify your own external accounts and wallets, and the platform enables their use for verified flows involving the same organisation. It does not take control of them.
The custodial wallet is the operating environment for payments on the platform rather than a separately sold custody mandate. If you need a discrete custody arrangement, ask the team directly.
A real-time dashboard covering balances, activity and account-level liquidity, plus a full transaction history exportable to CSV or Excel.
We would rather answer it directly than have you infer it from a page.
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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