New · payment source

Crypto in.
Euros out.

Pay from your European bank account or your self-custody crypto wallet. Either way you type a phone number — and they receive euros, with zero volatility risk.

A person sends a NexEuro payment from their smartphone by typing a phone number
USDC → €47.50Rate & fees shown before you confirm
IBANFR76 3000 4008 2800 0123 4567 89027 chars
Wallet0x71C7656EC7ab88b098defB751B7401B5f6d8976F42 chars
NexEuro+33 6 12 34 56 78Both
Three steps

How it works.

01

Connect a source of funds

Your European bank account via Open Banking (PSD2), or your self-custody crypto wallet. You can connect both and choose at the moment of payment.

02

Enter a phone number

No IBAN, no 42-character wallet address to copy. The recipient's phone number is enough — it's the same identifier for both modes.

03

The recipient receives euros

Whatever the source, the payee receives euros in their NexEuro account. If they pay in crypto, the conversion to euros is intended to be carried out by a registered digital-asset service provider, with rate and fees shown before you confirm.

Two sources, one experience

Pick your fuel.

Bank account

SEPA Instant transfer

Settlement in under 10 seconds, 24/7, across the 36 SEPA countries — Serbia included since May 2026. Free between individuals. Connected via Open Banking (PSD2), no card number transmitted.

See coverage
Crypto wallet

Crypto-funded payment

Sign from your self-custody wallet; the recipient is credited in euros. Conversion rate, exchange and network fees shown before you confirm. NexEuro never holds your keys.

See pricing
Selecting a contact by phone number in the NexEuro app
Security

The same bar as a bank transfer.

Strong authentication on every payment, encryption, European hosting, GDPR. The phone number is only a resolution identifier: it never appears on a public blockchain, and no wallet address is exposed from the NexEuro directory.

NexEuro is not a digital-asset custodian and provides no investment advice. Conversions are intended to be carried out by a registered provider under the EU MiCA framework. Euro operations fall within the scope of the licence being prepared with the ACPR.
Crypto FAQ

Straight answers.

Can I pay a merchant in crypto?
Yes, as long as the merchant accepts NexEuro. They're settled in euros in their NexEuro account: nothing changes in their accounting and they bear no volatility risk.
Is crypto payment free like a SEPA Instant transfer?
No. Peer-to-peer payments funded by a bank account stay free within the SEPA zone. A payment funded by a crypto wallet involves a conversion, so exchange and network fees, shown before every confirmation. No hidden fees.
Does NexEuro hold my crypto?
No. NexEuro is not a custodian. Your wallet stays yours: you sign the transaction from your wallet, and the conversion to euros is carried out by a registered digital-asset service provider.
Which cryptocurrencies are accepted?
Stablecoins pegged to the euro and the dollar, as well as the main assets held in a self-custody wallet. The exact list is shown in the app when you connect the wallet, and evolves with the MiCA framework.
How is the phone number protected?
The number only serves as a resolution identifier: it is never exposed to the blockchain network, and no wallet address is made public from the NexEuro directory.

One number. Any source. Euros, every time.