Nexpay provides digital businesses — including crypto companies, gaming platforms, and fintechs — with access to business IBANs, SEPA payments, and safeguarding accounts under full EU EMI regulation. Based in Vilnius, Lithuania, Nexpay has built a reputation for compliance, reliability, and transparency in high-risk-friendly sectors.
We sat down with Lucas Berger, Nexpay’s COO, to discuss the company’s mission, services, and outlook in a fast-evolving European payment landscape.
Who is Lucas Berger?
Lucas is a payment and fintech executive with over 15 years of experience in banking and financial infrastructure. Prior to joining Nexpay, he worked with several PSPs and EMIs across Europe and has developed deep expertise in regulated flows, compliance, and high-risk onboarding strategy.
Interview
How would you summarize Nexpay in one line?
A regulated Lithuanian EMI powering SEPA payments and IBAN infrastructure for digital businesses, including crypto and fintech platforms.
What makes Nexpay different from traditional EMIs or banks?
We focus on digital-native businesses often excluded by traditional banks, but with rigorous compliance and safeguarding procedures to stay fully licensed and secure.
What services do you offer today?
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EUR IBAN accounts for businesses
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SEPA and SEPA Instant payments
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Safeguarded funds under EMI regulation
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Compliance support for crypto-related clients
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API access for automated payments
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Batch payments and payroll solutions
Are you a fully licensed EMI?
Yes — Nexpay is a licensed Electronic Money Institution supervised by the Bank of Lithuania and passported across the EU/EEA.
Who are your typical clients?
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Crypto exchanges and OTC desks
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iGaming companies
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Payment intermediaries and wallets
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Fintech startups and EMIs needing infrastructure
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Licensed investment platforms
What is your onboarding process like?
Structured but fast — clients must pass KYB, UBO screening, source-of-funds review, and business model validation. High-risk verticals are assessed manually with clear risk scoring.
What jurisdictions do you support?
All EEA-based businesses. We are selective with non-EEA applicants, and certain high-risk countries are excluded per FATF and EU guidelines.
Do you issue cards or personal accounts?
No — our focus is B2B infrastructure for business payments. We do not serve individuals.
Do you support SEPA Instant?
Yes — for eligible counterparties and banks, we support instant euro payments across Europe.
Do you support crypto companies?
Yes — as long as they are transparent, regulated or registered, and meet our compliance criteria. We’ve onboarded many MiCA-preparing firms.
What makes your compliance team effective?
We combine automated transaction monitoring, real-time risk flagging, and a team of former regulators and banking experts. Every high-risk onboarding gets a full manual review.
Do you offer API access?
Yes — our API allows for real-time balance checks, payment initiation, and reconciliation. Great for platforms, brokers, and exchanges.
What sectors do you avoid?
We don’t work with anything illegal, unlicensed gambling, unregistered securities, or privacy coins. We also block sanctioned flows and PEP-related structures.
How do you price your services?
Pricing depends on risk level, volume, and required features. For standard digital businesses, we offer competitive flat fees per transaction and monthly account pricing.
What’s your strongest corridor today?
EUR SEPA — inbound and outbound. Many clients use Nexpay for collecting funds in Europe and then converting or moving them through other rails.
What challenges are you facing in 2025?
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Rising regulatory scrutiny on EMIs
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Compliance cost inflation
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IBAN discrimination from legacy banks
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Delays in SEPA Instant adoption by all banks
What’s your roadmap for 2025–2026?
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Launch of GBP accounts via partner rails
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Faster onboarding automation with AI support
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Stronger SEPA Instant coverage
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Direct partnerships with VASPs preparing for MiCA
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Embedded treasury tools for fintechs
What’s your long-term vision for Nexpay?
To become the go-to EMI for digital businesses in Europe — providing secure, transparent, and fully compliant payment infrastructure.
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FAQ
Is Nexpay licensed?
Yes — Nexpay is a licensed EMI under the supervision of the Bank of Lithuania.
Do you work with crypto clients?
Yes — depending on the regulatory status and transparency of the company.
Do you support SEPA Instant?
Yes — for supported banks and customers.
Can I get a personal account?
No — Nexpay is strictly B2B.
How long does onboarding take?
Typically 3–10 business days, depending on documentation and risk level.
Company Services
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EUR IBANs for business
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SEPA / SEPA Instant
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Compliance onboarding for digital businesses
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Safeguarding funds
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Batch and API payments
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Crypto-friendly EMI services
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Business payment automation
Competitors
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Banking Circle – API banking, but stricter onboarding
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Railsr (Railsbank) – Infrastructure, but not crypto-friendly
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Clear Junction – High compliance, slower onboarding
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Paytend, Wallter, Satchel – Local EMI competitors in Lithuania
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Intergiro – API-led EMI, less crypto focus
Product Positioning
Nexpay is:
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A fully licensed EMI
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B2B-only (no retail)
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Digital-vertical friendly (crypto, gaming, SaaS)
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Focused on compliance and transparency
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Built for API access and fast SEPA flows
