Nium

Name

Nium

Legal name

Nium Pte. Ltd.

Website

https://www.nium.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Cross-Border Payments Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

akta.pro secondary industries

A2A Cross-Border & FX via Open Banking (FSAMAFAK), Cross-Border A2A & Bank Transfer Networks (FSAMAIAF), Multi-Currency Accounts, Wallets & FX Management (Consumer/SME) (FSAGAKAF)

Keywords

• Cross-border payments
• Card issuing platform
• Multi-currency accounts
• Global payout infrastructure
• Real-time payment rails

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices16 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Cross-border Payout Transaction Fees: Revenue generated per transaction on payouts sent across 190+ countries in 100+ currencies via local rails, SWIFT, and card networks. Charges are usage-based and corridor-dependent.
2. FX Conversion Margins: Revenue earned on currency conversion across 100+ currencies via the Global FX product, with transparent rate-locking and competitive margins versus hidden markups.
3. Card Issuance and Processing Fees: Revenue from issuing physical and virtual cards across Visa, Mastercard, Diners Club, UATP, and Discover networks, including stablecoin-funded cards, with fees tied to issuance, transaction processing, and program management.
4. White-label Platform Fees: Recurring platform/managed services revenue from banks and enterprises using Global Collections and other white-label infrastructure to offer multi-currency accounts under their own brand.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels9 records

Core offering

Nium provides a real-time cross-border payments infrastructure that enables businesses to send payouts to 190+ countries in 100+ currencies (100+ markets in real time), hold multi-currency accounts with local account details, issue physical and virtual cards across Visa, Mastercard, Diners Club, UATP, and Discover networks (including stablecoin-funded cards), and convert currency at transparent rates. Access is delivered through a bank-grade REST API, an embeddable iFrame SDK for partner platforms, and a self-serve dashboard, with white-label and SWIFT connectivity options for banks and large financial institutions.

Product overview

Nium offers a unified real-time cross-border payments infrastructure platform built around six core products: Multi-Currency Accounts (global accounts in 100+ currencies), Global Payouts (190+ countries), Global Card Issuance (physical/virtual cards across Visa, Mastercard, Diners Club, Discover, UATP), Global FX (transparent FX with locked rates), Global Account Verification (Nium Verify across 50+ markets), and Stablecoin-backed Cards (dual-network Visa/Mastercard stablecoin card issuance). These core products are accessed via three channels — the Nium Portal (web dashboard), the Nium API (bank-grade REST API), and Nium Embed (white-label iFrame SDK for partner platforms) — and are tailored into vertical-specific solutions for Banks, Money Transfer Operators, Payroll, Marketplaces, Spend Management, Creator Economy, Online Travel Agencies, Airlines, and Hotels. Acquired capabilities from Ixaris (travel payments) and Instarem (remittance) extend the platform's reach into specialised B2B segments, while the SWIFT connectivity and Circle Payments Network integration enable institutional and stablecoin-based settlement rails.

Differentiator

Problem solved

Functional benefit

Brands

• Nium Travel: Travel payments platform serving airlines, online travel agencies, and hotels; operates as a retained brand under the Nium Group after the Ixaris acquisition.
• Ixaris
• Instarem

Products and services

• Multi-Currency Accounts Enables businesses to open global accounts and fund them in local currency across 100+ currencies, supporting add funds, pay globally, and get paid use cases with automated reconciliation and real-time balance tracking.
• Global Payouts Send payouts to 190+ countries via local currencies and methods (bank accounts, cards, wallets) in real time from a single platform.
• Global Card Issuance Issue physical and virtual cards with flexible controls for real-time payments, supporting Visa, Mastercard, UATP, Discover, and Diners Club International schemes.
• Global FX Access transparent FX rates with locked FX rate capability to move funds instantly without hidden markups or intermediaries, including a public FX calculator tool.
• Nium Verify (Global Account Verification) Real-time bank account verification solution across 50+ countries validating account holder details via LOCAL (ACH/wire) and PROXY (PayNow, UPI) payout methods to reduce failed payments, fraud, and support compliance.
• Stablecoin-backed Cards Dual-network stablecoin card issuance platform on Visa and Mastercard through a single API, enabling businesses to convert stablecoin balances into fiat at point of sale with integrated compliance and settlement.
• Nium Embed SDK Suite of pre-built iFrame SDK components (@nium/nium-sdk for JavaScript/TypeScript) letting partner platforms embed compliant financial flows — beneficiary management, payouts, onboarding, accounts, FX, reporting — directly inside their product via PKCE-secured authorization.
• Global Collections (for Banks) White-label multi-currency collections solution enabling banks to offer local currency collection accounts initially supporting EUR, SGD, USD, and GBP, combining collections, FX conversion, and payouts on a single platform.
• Nium Portal Web-based dashboard for managing multiple payment applications — including batch payouts, reports, beneficiary management, scheduled reports, statements, and RFI (Request for Information) responses — from a single interface.
• Nium API Bank-grade REST API supporting wallet management, payouts, payins, card issuing, FX, open banking, account verification, and webhook notifications with sandbox environment for development.
• Ixaris (Travel Payments) Acquired in 2021, Ixaris powers Nium's travel payments optimisation business including Europe's first virtual prepaid card, serving airlines and online travel agents in the global travel sector.
• Instarem Remittance Remittance brand within the Nium Group offering money transfer services referenced in Nium's Privacy Policy as operating under the Nium Group of entities.

Named customers31 records

Segments10 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration21 records

Feature7 records

Partnerships

19 partnerships are on record, tiered flagship, core and minor.

• Circle Internet Group (Circle Payments Network)flagshipStrategic or Co-development Partner · 27 May 2026On May 27, 2026, Nium and Circle announced a strategic partnership connecting USDC stablecoin settlement with Nium's last-mile global payout infrastructure across more than 190 countries and 100 currencies. Nium joined Circle Payments Network (CPN) as a global payout partner; CPN reported $8.3B in annualized transaction volume as of March 31, 2026.
• CoinbaseflagshipStrategic or Co-development Partner · 21 April 2026On April 21, 2026, Nium and Coinbase partnered to enable USDC stablecoin payments across Nium's platform. Coinbase provides payment APIs, liquidity, wallet services, and regulated custody; Nium provides the cross-border payout network. The integration is live across 40+ regulatory licenses and 190+ countries, supporting just-in-time settlement.
• Boxo (with KOHO)coreGTM or Marketing Partner · 4 December 2025Boxo powers KOHO's cross-border remittance mini-app using Nium's global payment infrastructure, enabling money transfer to 200+ countries and territories, with plans for wallet-to-wallet transfers and UPI payments in India.
• MOINcoreChannel Partner/ Reseller/ Distributor · 27 November 2025In November 2025, MOIN expanded its strategic partnership with Nium at Korea Fintech Week to enhance global remittance and settlement services for Korean consumers and businesses, including blockchain and stablecoin-based models.
• Digit9minorChannel Partner/ Reseller/ Distributor · 17 November 2025In November 2025, Nium announced an expanded partnership with Abu Dhabi-based Digit9 to enable faster, full-value payouts (initially USD) for businesses across GCC markets.
• VisaflagshipStrategic or Co-development Partner · 12 November 2025In November 2025, Nium joined Visa's stablecoin settlement pilot to fulfil settlement obligations using stablecoins like Circle's USDC across supported blockchains. Builds on a multi-year Visa-Nium partnership to modernize global money movement, including Visa Direct and dual-network card issuing.
• G2 TravelcoreChannel Partner/ Reseller/ Distributor · 3 March 2025In March 2025, Nium joined forces with G2 Travel to optimise global hotel payments via real-time virtual card payments for the OTA/hotel value chain.
• Diners Club InternationalflagshipOEM/ Whitelabel/ Licensing Partner · 28 February 2025Nium launched the Diners Club International Card on February 28, 2025, becoming one of the first global card issuers in the travel space to offer cards across four major schemes (Visa, Mastercard, UATP, Discover). Diners Club acceptance spans over 55 million merchant locations globally.
• EcobankcoreChannel Partner/ Reseller/ Distributor · 11 November 2024On November 11, 2024, Ecobank partnered with Nium to unlock real-time cross-border payments across 35 African markets, leveraging Nium's network for cross-border payments infrastructure.
• Kinexys by J.P. MorgancoreTechnology or Integration · 8 November 2024In November 2024, Nium expanded its partnership with Kinexys by J.P. Morgan to enhance cross-border remittances in Malaysia, Thailand, and Hong Kong, with a focus on FX solution and payment accuracy.
• PartiorcoreStrategic or Co-development Partner · 7 November 2024On November 7, 2024, Nium and Partior announced a partnership to enable real-time, cross-border payments, clearing, and settlement using blockchain-based infrastructure. Partior also connected to Nium's payments network and partnered with Emirates NBD and Nium for DLT-based settlement.
• HyperGuestcoreChannel Partner/ Reseller/ Distributor · 5 November 2024In November 2024, Nium and HyperGuest joined forces to streamline payments for the travel and hospitality industry, with virtual card issuance for hotels.
• Doha BankcoreChannel Partner/ Reseller/ Distributor · 22 October 2024In October 2024, Doha Bank and Nium partnered to introduce real-time cross-border payments in Qatar via Nium's payments network.
• SWIFTcoreTechnology or Integration · 21 October 2024In October 2024, Nium enabled financial institutions to connect to its real-time payments network via SWIFT, allowing banks to initiate, track, and reconcile cross-border payments through SWIFT messaging.
• ThunescoreTechnology or Integration · 21 October 2024In October 2024, Thunes and Nium extended Swift capability to enable cross-border real-time payments, integrating their networks.
• BRI (Bank Rakyat Indonesia)coreChannel Partner/ Reseller/ Distributor · 18 October 2024In October 2024, BRI partnered with Nium to provide Indonesian customers with real-time international money transfer capabilities using Nium's cross-border payment infrastructure.
• Emirates NBDflagshipChannel Partner/ Reseller/ Distributor · 5 July 2024In July 2024, Emirates NBD and Nium joined forces to transform global cross-border payments in the Middle East. Emirates NBD is also a visible customer quote on Nium's homepage.
• Wirecard Forex India Pte. Ltd.flagshipStrategic or Co-development Partner · 7 July 2021Acquisition announced July 7, 2021, of Wirecard Forex India, a licensed foreign currency exchange and remittance service provider (part of bankrupt Wirecard AG group). Closed Q3 2021, giving Nium Wirecard's RBI license to expand digital payments services across India including currency conversion, fund transfers, and prepaid card issuance.
• IxarisflagshipStrategic or Co-development Partner · 7 June 2021Acquisition of travel payments firm Ixaris completed in September 2021. Ixaris processed over 24 million transactions globally and is known for Europe's first virtual prepaid card, serving airlines and OTAs in the £230 billion travel sector. The deal brought all Ixaris employees and its virtual Mastercard and Visa card portfolio into Nium.

Scale indicators13 records

Recent moves11 records

Expansion highlights6 records

Direct peers

• Airwallex: Airwallex is a directly comparable cross-border payments infrastructure platform offering multi-currency accounts, global payouts, FX, and card issuing to SMBs and enterprises. Named alongside Nium in Finextra's 2026 fintech infrastructure watchlist and competes for the same bank, payroll, and marketplace customers.
• Wise (formerly TransferWise): Wise operates a global cross-border payments network serving consumers and businesses with multi-currency accounts and low-cost FX. It is a key direct competitor in B2B and consumer remittance, and a publicly listed comparable for Nium's pre-IPO trajectory.
• Ripple: Ripple provides blockchain-based cross-border payment infrastructure (XRP Ledger, RippleNet) for banks and MTOs and is itself a Nium technology partner. It is a direct peer in the stablecoin/DLT-enabled cross-border B2B payments space where Nium is competing.
• Thunes: Thunes operates a global cross-border payments network spanning 130+ countries, competing directly with Nium on MTO, bank, and digital-wallet payouts. Thunes is also a Nium technology partner (extended SWIFT capability).
• Currencycloud: Currencycloud provides a multi-currency cross-border payments platform for banks and fintechs and is itself a Nium customer. Acquired by Visa, it competes in the same B2B2B2C FX-and-payments infrastructure category as Nium.
• Ebury: Ebury, owned by Santander, provides cross-border payments, FX, and multi-currency accounts for SMBs and is a Nium customer. It competes with Nium for European bank and SMB FX/payouts business.
• MoneyCorp: MoneyCorp provides cross-border payments and FX services to businesses and is a Nium customer. It competes with Nium in the same multi-currency account and B2B payments infrastructure category, primarily in the UK and Europe.
• Payoneer: Payoneer operates a global cross-border payments platform for marketplaces, freelancers, and SMBs and is itself a Nium customer. It serves overlapping marketplace and creator-economy segments where Nium is active.

Broad incumbents

• Worldpay (Global Payments): Worldpay is a global merchant acquirer and payments processor and a Nium customer. As a broad incumbent, it offers overlapping cross-border capabilities as part of a much wider payments portfolio rather than as a niche specialist.
• Stripe (Treasury / Financial Connections): Stripe is a global payments platform whose Treasury, Financial Connections, and Connect products increasingly compete with Nium's multi-currency accounts and embedded payments infrastructure. As a broad incumbent, Stripe has substantially larger developer ecosystem and capital resources than Nium.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/niumglobal
• YouTubeyoutube.com/channel/UCA1ifqiU_ijabFosLztyN7Q
• Facebookfacebook.com/NiumOpenMoney
• LinkedInlinkedin.com/company/nium-global

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Subsidiaries5 records

Funding overview

Funding rounds12 records

Investors24 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A4 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Nium