Settle obligations between partners without waiting on correspondent banking hours. The fiat entrances and exits stay where they are.
Settling on a stablecoin layer removes that delay from the part of the process where it does no work. The fiat entrances and exits stay exactly where they were.
Settlement partners exist as counterparty records, verified in advance, with routing details attached.
The balance you receive into is the balance you settle from. There is no funding step in between.
Stablecoin transfers settle instantly within the platform once funds are received and available.
Both directions appear in the same transaction history, exportable to CSV or Excel.
Most cross-border payment use cases involve a counterparty who did not choose the rail and may not care about it. Settlement between financial businesses is different, and that is what makes it the cleanest fit.
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.
Being clear about this is what separates a usable plan from a disappointed one.
| Leg | Rail | Timing |
|---|---|---|
| Funding the position | Bank transfer to your linked IBAN | The sending bank's timing |
| The settlement itself | Stablecoin transfer between counterparties | Instant within the platform once funds are available |
| Taking value out to fiat | Make a Payment over traditional rails | Depends on destination, currency and the banks involved |
If both partners hold their working balance on the platform, only the middle row is in play and the speed benefit is close to complete. If every settlement has to start and end in a bank account, the bank legs reassert themselves and the improvement is smaller. Which of those describes your arrangement is the first thing to work out.
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.
Discharging an obligation between two businesses by transferring a supported stablecoin rather than sending fiat through correspondent banking. Here it runs from a custodial wallet to a registered counterparty.
The stablecoin transfer settles instantly within the platform once funds have been received and are available. Funding in and taking value out to fiat still move at the speed of the banks involved.
They need a wallet address on a supported network and to exist as a registered counterparty. If they would rather receive fiat, Make a Payment converts and pays their bank account instead.
Selected MiCA-compliant stablecoins. Agree the specific asset and the network with your partner in advance.
Netting is not described in the current platform documentation. Discuss your specific arrangement with the team rather than assuming it.
Subaccounts, each with their own balances and transaction history, under central organisational control.
Every transfer, payment, swap and top-up sits in Activity, and the whole history exports to CSV or Excel.
Tell us how you settle today and where the days actually go.
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.
.avif)
.avif)
