What Digit9 does

Digit9 (Digitnine) is a private cross-border payments orchestration platform founded in 2022, headquartered in Abu Dhabi (UAE) with a Singapore operating presence. The company provides a multi-currency platform with real-time cross-border payments, a global payout network, and managed treasury services, delivered through an API-first architecture. Its product suite includes a Core Cross Border Payments Orchestration Platform, Remittance as a Service (RaaS), Build Your Own Network (BYON), White-Label Payment Solutions, Smart Routing, a Multi-Currency Ecosystem (load/pay/collect/swap), Modular Services, Treasury Services, a Pay Later Integration module, a public Transaction Tracker, and a self-serve Merchant Portal.

The platform targets licensed financial institutions, banks, financial apps, e-wallets, and (most recently) SMEs, with a horizontal segmentation approach and a B2B go-to-market combining direct enterprise field sales (Request a Demo), self-serve merchant onboarding, channel/white-label partnerships, and event-based demand generation (including Singapore Fintech Festival 2024). The company generates revenue through four streams: RaaS platform/subscription fees, per-transaction processing fees on cross-border payment volume, managed-services fees for treasury, and licensing/white-label fees. The company cites 100+ partners, 24M+ transactions processed, and over US$19B in transaction volume as its principal scale metrics.

Digit9's operating geographies span the Middle East (UAE), GCC, and Southeast Asia (Singapore), and it claims a global footprint. A core strategic relationship is the expanded partnership with Nium (announced 2025-11-17) for faster, full-value USD payouts with planned additional corridors supporting SME and GCC cross-border commerce. The company has no publicly disclosed funding rounds, no revenue disclosure, no published management team roster, and no listed regulatory licenses, which materially constrains independent verification of scale and capitalization.

Name

Digit9

Legal name

Digit9

Website

https://digitnine.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Digit9 is a private, API-first cross-border payments orchestration platform that provides multi-currency real-time payments, global payout networks, and managed treasury services to banks, financial institutions, financial apps, e-wallets, and SMEs via RaaS, white-label, and BYON models.

Ownership category

akta.pro rank

Product category

Cross-Border Payments Infrastructure

NAICS

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

SIC

Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Payment Gateways & Orchestration (BPAMAFAA)

akta.pro secondary industries

Cross-Border & FX Payments Platforms (BPAMAFAK), Payment Gateways & API Connectivity (FSAGABAB), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

Keywords

• Cross-border payments
• Payments orchestration platform
• Remittance-as-a-service
• Multi-currency treasury
• Global payout network

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. RaaS (Remittance as a Service): Platform fee model allowing financial institutions to access end-to-end remittance infrastructure. Provides flexibility and scalability for diverse client needs in the financial sector.
2. Transaction Processing: Transaction-based revenue from processing cross-border payments across the global payout network. Volume-based revenue tied to transaction value and count.
3. Managed Treasury Services: Treasury management services for institutions ensuring optimized cash flow and risk management, generating service fees.
4. White-Label/Build Your Own Network: Customized platform solutions for businesses requiring branded payment networks, potentially with licensing or setup fees.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

Digit9 provides a Cross Border Payments Orchestration Platform offering real-time cross-border payments, a multi-currency ecosystem with load, pay, collect, and swap capabilities, and managed treasury services to banks, financial institutions, financial apps, and e-wallets. The platform supports embedded payments, mass payouts, and collections use cases, and is delivered via an Open Banking API through RaaS (Remittance as a Service), White-Label, and Build Your Own Network (BYON) deployment models.

Product overview

Digit9 offers a unified Cross Border Payments Orchestration Platform that provides multi-currency ecosystem capabilities with real-time cross-border payments, global payout networks, and managed treasury services. The platform operates on a modular architecture featuring RaaS (Remittance as a Service), White-Label Payment Solutions, Build Your Own Network (BYON), Smart Routing, Treasury Services, Multi-Currency Ecosystem, and Modular Services. Key features include Smart Routing for accessing multiple payment networks and MTOs through a single API, Transaction Tracker for transfer visibility, and a Merchant Portal for account management. The platform supports embedded payments, mass payouts, and collections use cases for banks/FIs, financial apps, and e-wallets.

Differentiator

Problem solved

Functional benefit

Products and services

• Cross Border Payments Orchestration Platform A customizable multi-currency platform with real-time cross-border payments capability, offering a global payout network and managed treasury services. Enables businesses to collect, convert, and pay across multiple currencies through embedded payments, mass payouts, and collections use cases for banks/FIs, financial apps, and e-wallets.
• Remittance as a Service (RaaS) An end-to-end remittance stack offering enabling Licensed Financial Institutions (LFIs) and their apps to provide remittance services with flexibility and scalability, accessed via platform fees and subscription.
• White-Label Payment Solutions A customizable platform allowing businesses to manage their payment networks while enhancing brand identity, offered as a deployment option for partners.
• Build Your Own Network (BYON) A deployment model empowering clients to create tailored payment networks that meet their specific operational needs, accessed via Digit9's Open Banking API.
• Treasury Services Managed treasury functions ensuring optimized cash flow and risk management for institutions, generating service-fee revenue.
• Pay Later Integration Allows customers to make payments using Pay Later service offered by various third-party providers, integrated into the Digit9 platform.

Quantifiable outcome

• 24M Transactions processed
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

One partnership is on record.

• NiumcoreStrategic or Co-development Partner · 17 November 2025Expanded partnership between Digit9 and Nium (Singapore-based real-time cross-border payments infrastructure provider) to enable faster, full-value payouts for businesses across key markets. Partnership initially focuses on USD payouts with plans to extend to additional routes, supporting SMEs and facilitating GCC cross-border commerce.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Nium: Singapore-headquartered real-time cross-border payments infrastructure provider offering global payouts, multi-currency accounts and APIs — the same core product category Digit9 operates in, and Digit9's announced strategic partner.
• Thunes: Global payments network connecting mobile wallets, banks and MTOs for cross-border payouts — directly comparable to Digit9's orchestration of MTOs and bank rails across emerging markets.
• Currencycloud: Cross-border payments API platform offering multi-currency wallets, FX and payment orchestration to banks and fintechs — closely aligned with Digit9's API-first RaaS and orchestration model.
• TerraPay: Global payments infrastructure connecting banks, mobile wallets and MTOs for real-time cross-border payouts — a like-for-like peer to Digit9 in the emerging-market corridors.

Broad incumbents

• Wise (TransferWise): Global consumer and business cross-border payments platform with multi-currency accounts — a much larger incumbent operating broadly in the same cross-border space as Digit9.
• Ripple: Enterprise-grade cross-border payments network (RippleNet) using both traditional and digital-asset rails — competes with Digit9 for bank and FI cross-border payout clients.
• MoneyGram: Established global remittance network with extensive bank, wallet and agent distribution — overlaps with Digit9's MTO/bank payout network, especially in the GCC corridor.
• Remitly: Large digital remittance platform serving consumers and businesses globally — comparable to Digit9's remittance-as-a-service offering targeted at banks and apps.
• Payoneer: Global cross-border payments and multi-currency platform serving SMBs, marketplaces and freelancers — overlap with Digit9's SME/GCC cross-border commerce focus.

Emerging players

• Tribal Payments: Emerging-market-focused payments platform offering cross-border and embedded finance capabilities to SMEs and fintechs — a comparable emerging peer to Digit9.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/digitnine

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 Digit9