We perform a 3D reduction of the two-fermion homogeneous Bethe-Salpeter equation, by series expansion around a positive-energy instantaneous approximation of the Bethe-Salpeter kernel, followed by another series expansion at the 3D level in order to get a manifestly hermitian 3D potential. It turns out that this potential does not depend on the choice of the starting approximation of the kernel anymore, and can be written in a very compact form. This result can also be obtained directly by starting with an approximation of the free propagator, based on integrals in the relative energies instead of the more usual δ−constraint. Furthermore, the method can be generalized to a system of N particles, consisting in any combination of bosons and fermions. As an example, we write the 3D equation for systems of two or three fermions exchanging photons, in Feynman or Coulomb's gauge.