Nomos

What Nomos does

Nomos (legal name: Nomos Digital) is a London-based, privately held Financial Market Infrastructure (FMI) founded in 2021 that is building a global utility platform for cross-border payments and cash management. The platform is designed to serve correspondent banks, central banks (G20 and other), respondent banks and PSPs, and corporate treasury clients by enabling real-time, 24/7/365 settlement with multi-lateral synchronous Payment-versus-Payment (PvP), eliminating Herstatt risk and integrating with existing RTGS and SWIFT messaging infrastructure under ISO 20022. Core technical capabilities include dynamic dark pool liquidity routing, multi-tier netting, multi-currency cash custody at central banks, screening and compliance orchestration, and multi-lateral CBDC settlement, all targeting a 25%+ cost reduction and sub-30-second (typically ~30 second) payment delivery versus legacy correspondent banking.

Nomos operates a transaction-fee revenue model tied to payment processing and settlement services, but is currently pre-revenue with central bank pilots scheduled for 2025. The go-to-market combines direct engagement with large correspondent banks via preferred consultancy partners (structured around a 9-month NPV evaluation) and direct regulatory engagement with central banks for operational authorisations under BIS PFMI Standards. Distribution to respondent banks and PSPs is indirect, flowing through existing correspondent banking relationships.

The company has raised $1,000,000 from FasterCapital in October 2023 and operates with 1–10 employees. No ownership, leadership, or additional funding details are publicly disclosed. Strategic priorities through 2025 centre on securing central bank authorisations, demonstrating PvP and CBDC settlement in live pilots, and converting the consultancy-partner evaluation pipeline into commercial correspondent bank mandates.

Name

Nomos

Legal name

Nomos Digital

Website

https://nomos.digital

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Nomos (Nomos Digital) is a London-based Financial Market Infrastructure building a regulated global utility for real-time cross-border payments and cash management, serving correspondent banks, central banks, respondent banks and PSPs via PvP settlement, CBDC support, and SWIFT/ISO 20022 integration.

Ownership category

akta.pro rank

Product category

Financial Market Infrastructure / Cross-Border Payments

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Cross-Border & FX Payments Platforms (BPAMAFAK)

akta.pro secondary industries

International Money Transfer Operators (MTOs) (FSAMAIAE), Payment Gateways & Orchestration (BPAMAFAA)

Keywords

• Cross-border payments
• Financial market infrastructure
• Correspondent banking
• Payment versus payment settlement
• Cash management platform

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Financial Market Infrastructure Services: Nomos operates as a global FMI providing utility functions for cross-border payments and cash management. The revenue model involves fees from correspondent banks for payment processing, capital efficiency services, and settlement operations. As a pre-revenue entity in development stage with pilot participation planned for 2025, specific pricing and revenue mechanics are not yet publicly disclosed.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Nomos operates a single unified global Financial Market Infrastructure (FMI) platform that delivers cross-border payments and cash management services for financial institutions. The platform enables real-time 24/7/365 cross-border payment processing, multi-lateral synchronous Payment-versus-Payment (PvP) settlement, multi-currency cash custody at central banks, dynamic liquidity routing, and screening and compliance orchestration for correspondent banks, central banks, and respondent banks/PSPs.

Product overview

Nomos offers a single unified Financial Market Infrastructure (FMI) platform for cross-border payments and cash management, rather than discrete separate products. The platform serves correspondent banks, central banks, and respondent banks/PSPs through an integrated set of modules including PvP settlement services, multi-currency cash custody, dynamic payment routing, screening and compliance orchestration, and liquidity optimisation tools. All modules operate on a 24/7/365 basis with real-time transaction capabilities, connected via existing SWIFT messaging infrastructure.

Differentiator

Problem solved

Functional benefit

Products and services

• Global FMI Platform for Cross-Border Payments and Cash Management A single unified global Financial Market Infrastructure platform for cross-border payments and cash management, serving correspondent banks, central banks, and respondent banks/PSPs on a 24/7/365 real-time basis.
• Correspondent Banking Services A tailored service package for correspondent banks targeting 25%+ cost savings, real-time (typically 30-second) cross-border payments, reduced failure rates, lower-cost deferred bulk payments, and improved capital efficiency through nostros reduction.
• Central Bank Partnership Solutions Solutions for central banks to improve oversight, transaction transparency, compliance, and systemic risk reduction, including multi-lateral CBDC settlement, LEI enforcement, PvP settlement, and market oversight tools.
• Respondent Bank Services Services enabling respondent banks and PSPs to obtain real-time, transparent, enhanced-reliability cross-border payments through their existing correspondent bank relationships, with portal-based transaction risk profile management.

Quantifiable outcome

• 25%+ cost savings in cross-border payments and cash management
• +4 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature7 records

Partnerships

One partnership is on record.

• Preferred Consultancy GroupscoreImplementation/ SI/ Consulting PartnerNomos works in partnership with preferred consultancy groups to evaluate cost savings opportunities and transformation challenges with correspondent banks. These partners have the depth of experience and knowledge to de-risk engagement and share learning on how to realise available benefits. The engagement starts by jointly evaluating and modelling cost benefits within a 9-month timeframe to arrive at project NPV.

Scale indicators3 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• SWIFT: The dominant global interbank messaging and correspondent payment network. Directly comparable as the incumbent cross-border payment rail Nomos aims to complement/replace, with SWIFT gpi already providing enhanced tracking and faster cross-border settlement.
• Mastercard Send and Cross-Border Services: Mastercard's real-time and cross-border payment products serving banks and PSPs. Comparable as an incumbent network extending into cross-border and B2B real-time payments, leveraging an existing global acceptance footprint.
• Visa B2B Connect: Visa's blockchain-inspired B2B cross-border payment network built with leading correspondent banks. Comparable as a payments-network incumbent extending into the cross-border B2B space that Nomos targets, leveraging existing bank relationships and Visa's regulatory footprint.
• FedNow: US Federal Reserve's instant payment service providing real-time settlement. Comparable as a real-time settlement infrastructure that competes for mind-share and integration capacity among US banks evaluating next-gen payment investments like Nomos.

Emerging players

• Partior: Blockchain-based real-time cross-border settlement network founded by DBS, JPMorgan, and Temasek. Comparable as a next-generation settlement utility targeting interbank cross-border payments with PvP, and a credible well-capitalised competitor.
• Wise (formerly TransferWise): Major cross-border payment operator serving both retail and business customers with multi-currency accounts. Comparable in addressing cross-border payment friction, though Wise is consumer/PSM-focused whereas Nomos targets wholesale correspondent banking.

Direct peers

• Ripple: Provides real-time cross-border payment infrastructure (RippleNet, ODL) for banks and PSPs. Directly comparable in targeting bank-grade cross-border payments with reduced settlement time and cost, though Ripple uses a digital-asset-native model versus Nomos's central-bank-cash-custody approach.
• CLS Bank: Operates the largest multi-currency PvP settlement system for FX transactions. Closely comparable as a regulated FMI providing simultaneous settlement to eliminate Herstatt risk — the same problem Nomos targets — though CLS focuses specifically on FX rather than broader cross-border payments.
• Fnality International: Consortium-backed regulated FMI building a multi-currency settlement utility backed by central bank cash, with PvP capability. Closely analogous to Nomos in ambition, regulatory positioning, and target customer (correspondent banks and central banks).

Regional players

• CIPS (Cross-Border Interbank Payment System): China's RMB-denominated cross-border interbank payment system, serving as a regional alternative to SWIFT. Comparable as a regulated cross-border payment infrastructure, though focused on RMB rather than globally multi-currency like Nomos.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/nomos-digital

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

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

M&A

Investments

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

Frequently asked questions about Nomos