For finance teams that need a straight answer on accepting USDC and getting it into a company bank account.
The short version: it behaves like a payment instrument, it settles in minutes, and the interesting part is the route from there into a company bank account.
Backed by reserves held in line with the applicable framework, so its value holds steady while a payment is in flight.
The sender pays a network fee. The cost is a function of the network, not of how far the money is going.
Weekends and public holidays are not events.
Convert the balance and pay a bank account through your linked IBAN, over traditional rails.
| Cost | Who bears it | What drives it |
|---|---|---|
| Network fee on the transfer | The sender | The network used and how busy it is. Not the distance or the amount. |
| Conversion, fiat to stablecoin | You, on top-up | A top-up converts 1:1 where the fiat currency and the stablecoin denomination match, before any applicable fees. |
| Conversion, stablecoin to fiat | You, on the way out | Pricing is volume based rather than a published rate. |
| The fiat leg | Depends on the rails | Ordinary banking charges at the destination. |
Comparing against a bank transfer means comparing totals: the fee, the exchange rate spread, whatever intermediaries deduct, and the working capital tied up while the payment is in transit. That last one is usually the largest and is almost never quoted.
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.
This is where real money goes missing, and it has nothing to do with the asset itself.
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 stablecoin designed to hold a stable value by referencing an underlying fiat currency, backed by reserves held in line with the applicable framework. In payment terms it behaves like a transferable balance whose value does not move while the payment is in flight.
The platform supports selected MiCA-compliant stablecoins. Confirm the specific asset and network with the team before you put wallet details on an invoice.
The sender pays a network fee driven by the network rather than the distance or the amount. On the NGPES side, pricing is volume based rather than published as a rate card.
Make a Payment converts your stablecoin balance to fiat, instantly, and sends it to a registered bank account over traditional rails.
The stablecoin transfer settles instantly within the platform once funds are received and available. The euro reaching a bank account depends on the destination and the banks involved.
A mismatch between the asset, the network and the wallet address. Agree all three before the invoice goes out.
No, for supported assets. Receiving, swapping and the euro conversion all happen inside the platform.
Which asset, which network, and how the euro gets to your bank. We will answer all three.
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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