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A crypto IBAN account for businesses that move money across borders
Most businesses working with digital assets end up running two disconnected setups. A bank account for euro, and a separate wallet or exchange account for stablecoins. Money moves between the two slowly, reconciliation is manual, and neither side gives the full picture.
A crypto IBAN account closes that gap. It pairs a dedicated IBAN for fiat transfers with a custodial wallet that holds supported digital assets, so incoming euro and incoming stablecoins land in the same operational setup.
What you can do with it
Take funds from third parties or move between your own accounts, in fiat through your linked IBAN or in supported digital assets to your platform wallet.
Pay registered counterparties worldwide in fiat or digital assets, with each transaction visible from queued through to received.
Move between supported digital assets, and across networks, without routing balances out to an external venue first.
Hold supported assets securely and structure balances across wallets, teams or use cases while keeping operational control.
What a crypto IBAN account actually is
The term covers two things working together.
The IBAN
A standard International Bank Account Number your counterparties can pay into by ordinary transfer. Nothing about the payment experience changes for them. They send euro the way they always have.
The linked wallet
A custodial wallet held alongside the IBAN, holding supported digital assets. Incoming stablecoin transfers arrive here, and conversions between the two sides happen inside one environment rather than through an external exchange.
The value is not the wallet or the IBAN on their own. It is that both sit under the same account, the same balance view and the same compliance perimeter.
Who opens a crypto IBAN account
- Multinational groups rebalancing treasury between entities and markets, where the delay is the correspondent banking chain rather than the decision.
- Fintechs and payment service providers that need more flexible infrastructure for settlement and liquidity movement than their existing banking partner offers.
- Businesses operating in digital assets that need a compliant route to receive, convert, hold and send, with a euro leg attached.
- Companies outside the EU that need access to European financial infrastructure. Most countries are eligible, so a business without a European entity can still receive euro and stablecoins and pay out to wallets or bank accounts.
Where NGPES stands on regulation
Being straight about this matters more than marketing language.
- Payment Institution status today
- EMI in progress, through NGPES Payments in France
- CASP in progress, through NGPES Digital in France
- GDPR and DORA compliant
- ISO 27001 and SOC 2 Type II in progress
Services become available only once the relevant CASP and EMI authorisations are obtained. Nothing on this page should be read as an offer of a regulated service before that point.
How the setup is structured
The account is built around your operating model rather than a fixed product. Markets, currencies, payment flows and compliance requirements shape the configuration, which is why onboarding starts with a conversation about how money actually moves through your business rather than a sign-up form.
Pricing is volume based. On and off ramp between euro and the euroF stablecoin is free, with no hidden fees and no third-party tools to integrate for the core flows. For the wider platform story, see stablecoin infrastructure and the solution overview.
Frequently asked questions
What is a crypto IBAN account?
It is an account that pairs a dedicated IBAN for fiat transfers with a custodial wallet for supported digital assets, so a business can receive euro and stablecoins, hold both, convert between them and pay out, without moving between separate providers.
Is a crypto IBAN the same as a bank account?
No. The IBAN lets counterparties pay you by ordinary transfer, and funds are held under a regulated payments framework rather than as bank deposits. NGPES holds Payment Institution status, with EMI and CASP authorisations in progress in France.
Can a business outside the EU open one?
Yes. NGPES is open to global businesses and most countries are eligible. The account gives access to EU financial infrastructure through an IBAN-linked custodial wallet. Specific eligibility sits in the terms and conditions.
What does a crypto IBAN account cost?
Pricing is volume based, and on and off ramp between euro and euroF is free. Contact the team for an estimate against your volumes.
Your next payment flow starts here.
Tell us how money moves through your business and we will map it to the setup.
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