# Newrails — Payment Provider

Newrails is a Lithuanian-licensed electronic money institution offering business accounts with named euro IBANs, direct SEPA and SEPA Instant participation, SWIFT, and multi-currency balances. Through one REST API, fintechs and platforms can issue virtual IBANs in bulk and embed the rails under their own brand. Newrails also issues EURW, a MiCA-compliant euro stablecoin that account holders can mint and redeem 1:1 from their IBAN balance.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Fintechs, PSPs, crypto/Web3 platforms and international businesses that need regulated euro IBAN accounts, direct SEPA access and a euro stablecoin rail via one API.
- **Fees:** Indicative standard rates (Standard Due Diligence; final price set on application). Monthly fee: Starter €0, Growth €12.99, Scale €35, Non-EU custom pricing. Account opening and application review: €0 on EU plans. EUR local inbound: €0. EUR local outbound per transfer: €1.00 (Starter), €0.50 (Growth), €0.25 (Scale), from 0.05% (Non-EU). EUR international outbound (SHA): 0.45% min €25 / max €125 (Starter), 0.35% min €22 / max €100 (Growth), 0.25% min €20 / max €75 (Scale), 0.40% min €25 / max €125 (Non-EU). EUR international outbound (OUR): 0.45% min €40 / max €150, 0.35% min €35 / max €135, 0.25% min €30 / max €125, 0.40% min €40 / max €150. Crypto-related transaction surcharge: 0.45% min €25, 0.35% min €22, 0.25% min €20, 0.40% min €25. EURW mint/redeem: €0. EURW deposit/withdraw: 1.0000 EURW (EU plans), from 0.05% (Non-EU). EURW ↔ USDC swap: 0.3000 / swap (Non-EU). Transfers to other Newrails users €0. High-risk businesses (Enhanced Due Diligence): pricing quoted per client.
- **Fee model:** subscription
- **Settlement time:** Instant to 10 business days
- **Categories:** baas, crypto, infrastructure
- **Countries served:** 1 (GLOBAL)
- **Payment methods:** sepa, swift, usdc

## Legal & compliance

Legal entities:
- Newrails, UAB — Lithuania — LEI 875500AX7AO0XVYSQD64 — licenses: E-Money Institution, LT, Bank of Lithuania; License, LT, ESMA MiCA; License, LT, ESMA MiCA EMT

3 license numbers and 3 register records (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/newrails#compliance.


Canonical page: https://paymentproviders.io/providers/newrails

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)