Fully licensed European payment infrastructure

Regulated fiat and crypto rails
built for the MiCA era

Move money and digital assets on infrastructure that meets Europe's new standard — without disruption

EMI Licence
Bank of Lithuania
CASP License
Bank of Latvia
The regulatory shift

The transitional period is over

As of 1 July 2026, the Markets in Crypto-Assets Regulation (MiCA) applies in full across the European Union.

National transitional windows have closed, and providers operating without license can no longer serve European clients.

For businesses moving fiat and digital assets, the question is no longer whether MiCA applies — it is whether your provider is licensed to keep serving you.

MiCA timeline
30 Jun 2024
Rules for asset-referenced and e-money tokens apply.
30 Dec 2024
Full MiCA application for crypto-asset service providers.
1 Jul 2026 · today's reality
End of national transitional periods. Authorisation is mandatory.
One question worth asking

Is your current provider authorised to operate under MiCA?

Many providers relied on the transitional period. If you're not certain yours is authorised, it takes ten seconds to start finding out.

The offering

Licensed fiat and crypto infrastructure, in one place

Everything you need to move money and digital assets across Europe — under an EMI and CASP license

European IBANs

Real IBANs in your company's own name for collections and payouts across the EEA — no shared or pooled accounts

Licensed OTC desk

Execute large fiat-to-crypto and crypto-to-fiat trades with liquidity sourced from top market makers

Rails in 29 currencies

SEPA Instant, SWIFT and local payment rails covering 29 currencies, including EUR and USD

One regulated partner

Fiat and crypto under one roof — an EMI and CASP licensed infrastructure accessible from a single platform

How the switch works

Low-friction by design

Move to licensed rails at your own pace, with a compliance team beside you

1

Talk to us

Tell us how you move money and assets today. We map your flows to licensed rails.

2

Onboard

Complete a streamlined, compliance-led onboarding with dedicated support at every step.

3

Go live

Move your flows over when you're ready — with no disruption to your operations.

3
European licences
600+
Business clients
€9bn+
Transacted
29
Fiat and digital currencies

Move to infrastructure that's built to last

Talk to our team about switching to licensed fiat and crypto rails — with no disruption to your business.

Nexpay is a brand under which two separately licensed entities operate: UAB Nexpay and SIA Nexdesk. Each entity is responsible for a distinct part of the service, as set out below.

UAB Nexpay (registration code 304708124), registered address: Žalgirio g. 90-100, Vilnius, Lithuania, is an authorised Electronic Money Institution (EMI), holding license No. 18 issued by the Bank of Lithuania. UAB Nexpay is responsible for IBAN issuance, account maintenance, and the processing of fiat payments (including SEPA, SEPA Instant, and SWIFT), under the regulatory supervision of the Bank of Lithuania. See UAB Nexpay's Terms and Conditions .

SIA Nexdesk (registration no. 40203611803), registered address: Mihaila Tāla iela 1, Rīga, LV-1045, Latvia, is a Crypto Asset Service Provider (CASP), authorised to provide custody, administration, execution of orders, and transfer services for crypto-assets on behalf of clients (MiCA license No. 27-55/2025/10), and a Payment Institution (PI), authorised to provide money remittance services (PI license No. 27-55/2026/9). SIA Nexdesk is responsible for the execution of OTC orders and related crypto-asset services, under the regulatory supervision of the Bank of Latvia. See SIA Nexdesk's Terms and Conditions .

When you open an account, you hold your fiat balance and IBAN with UAB Nexpay. When you place an OTC order, you are transacting with SIA Nexdesk. Each entity acts within its own license and under its own regulator, as described above.

For any inquiries regarding fiat currency services, IBAN management, and payment processing, please contact the UAB Nexpay at [email protected]. For questions concerning execution of OTC orders, or related crypto-asset services, please direct your correspondence to SIA Nexdesk at [email protected].