A narrow supported list of MiCA-compliant stablecoins, controls over who is allowed to pay you, and a euro exit through a linked IBAN.
Here is the direct version of the answer for a regulated European provider: not every digital asset, a narrow supported list, and a euro exit through a linked IBAN.
The platform holds selected MiCA-compliant stablecoins. It is not a route to accept any digital asset a customer offers.
Assets that reference a fiat currency and are backed by reserves, so they work for payment, not speculation.
Sources are whitelisted in advance. Unknown inbound funds are held while support contacts you.
Make a Payment converts the balance to fiat and pays a bank account over traditional rails.
Even where a provider will accept them, taking payment in a volatile digital asset creates a problem the business then has to manage.
A stablecoin removes all three, because the value referenced does not move while the payment is in flight. That is the entire reason the supported list looks the way it does.
Accepting is one of five actions, and the ones after it decide whether the money is usable.
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.
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.
Through NGPES you can receive selected MiCA-compliant stablecoins into a custodial wallet from whitelisted sources, then hold, swap or convert them to euro and pay a bank account. It is not a route to accept any digital asset a customer might offer.
Because they reference a fiat currency and are backed by reserves, so the value does not move while the payment is in flight. That makes them a payment instrument rather than a position your finance team has to manage.
Selected MiCA-compliant stablecoins. The list is deliberately narrow, so confirm the specific asset with the team before you put wallet details on an invoice.
The source check runs first and unrecognised inbound funds are held while support contacts you. Non-compliant assets can be converted to a compliant stablecoin as an exception, or returned to the sender.
Make a Payment converts the balance to fiat, instantly, and sends it to a registered bank account over traditional rails.
No. The custodial wallet on the platform is where the balance sits, and every action runs from it.
Receipts, swaps, conversions and payments all appear in Activity, and the full history exports to CSV or Excel.
It is a short conversation and it decides everything downstream.
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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