Most businesses trading outside Europe are offered USDT at some point. NGPES is a France-based payment provider built on MiCA-compliant stablecoins, with a defined process for inbound assets that sit outside that set, so a payment your counterparty has already sent does not simply fail.
Talk to us before you invoice and we will confirm the asset, the network and the wallet address to put on it, so the payment arrives as a normal receipt rather than an exception.
Selected MiCA-compliant stablecoins. That is the entire set the platform holds.
Outside the MiCA-authorised set, which is why it is not simply held and used like a supported asset.
Inbound funds in a non-compliant asset can be converted to a compliant one as an exception, not as a standing service.
Agree a supported asset with your counterparty before invoicing. It converts an exception into a normal receipt.
MiCA sets the conditions under which stablecoins may be offered in the EU, covering authorisation of the issuer, the reserves behind the token, and the holder's right to redeem. Assets that meet those conditions and assets that do not are treated differently by any regulated European provider.
This is not a judgement about USDT's usefulness or its liquidity, both of which are considerable. It sets out what a France-based provider with EMI and CASP authorisations in progress can hold on your behalf.
The practical version for a business: the regulatory status of the asset your counterparty wants to pay in is now an operational fact that affects whether the payment lands cleanly, how long it takes, and whether a person has to intervene.
The route works. It is slower than a standard receipt and it needs a person to review it, which is why we agree the asset with you up front.
Four lines, agreed once per counterparty. It is the difference between a payment that lands and one that sits on hold while somebody works out what to do with it.
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 by on-ramp and off-ramp. Dedicated IBANs, and holding fiat balances against them, arrive with the EMI authorisation. |
| 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.
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.
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.
NGPES holds selected MiCA-compliant stablecoins, and USDT sits outside the MiCA-authorised set. If a counterparty sends it, we can convert it into a compliant stablecoin as an exception, not as a standing service, so talk to us before you invoice in USDT.
MiCA sets conditions covering issuer authorisation, reserves and redemption. A regulated European provider treats assets inside and outside that framework differently, and that is a legal position rather than a preference.
Our source check runs first, and funds from an unrecognised source are held while our team contacts you. From there we either convert them into a compliant stablecoin as an exception, or return them to the sender.
Swap operates between supported MiCA-compliant stablecoins. We handle an asset from outside that set as an exception rather than through the normal swap function.
A supported MiCA-compliant stablecoin, on a supported network, agreed before the invoice goes out.
An exception needs review, so yes, compared with a standard receipt in a supported asset. That is the main practical cost.
Every receipt, conversion and payment appears in Activity, and the full history exports to CSV or Excel.
We will confirm the asset, the network and the address, so the payment lands first time.
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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