Ebury, a global fintech platform operating across 160+ countries with 2,000+ employees, had built a strong position in Europe. As growth accelerated, Ebury UK wanted to scale into Asia Pacific and Latin America — specifically real-time local payment rails in three core corridors (Indonesia, Korea, Malaysia) plus nine total emerging markets across both regions.
The Challenge
Ebury, a global fintech platform operating across 160+ countries with 2,000+ employees, had built a strong position in Europe. As growth accelerated, Ebury UK wanted to scale into Asia Pacific and Latin America — specifically real-time local payment rails in three core corridors (Indonesia, Korea, Malaysia) plus nine total emerging markets across both regions.
A second opportunity emerged with Ebury's acquisition of Brazilian fintech Bexs. Ebury Bank needed dramatically improved cross-border payment and FX capabilities to serve Brazilian businesses moving capital globally. The obstacle was fundamental: emerging markets are notoriously difficult — fragmented payment systems, complex compliance, limited correspondent banking networks.
The Solution
Ebury partnered with Nium to access a global cross-border payment network spanning 100+ real-time corridors and 220+ payout markets through a single API.
The partnership delivered full transparency of interbank FX rates and markups, tailored payouts via local bank accounts, cost-effective local payment rails, 360-degree regulatory compliance, and real-time payment tracking. Integration was seamless, giving Ebury's team confidence from day one.
The Results
Powered by the Nium network, Ebury achieved significant scale:
- Tripled payment volumes since partnering with Nium in 2021.
- 99% success rate, with return rates reduced to as low as 1% across thousands of payouts.
- Speed in key corridors (50%+ of transactions completed in under 60 minutes).
- Emerging market growth; 85% increase in payment volumes and 60% increase in transaction counts in Korean won (KRW), demonstrating demand in high-growth emerging markets.
- Higher transaction values. Increased average payment size through higher transaction limit capabilities.
Looking Ahead
Ebury continues leveraging Nium's global network to expand into new corridors and serve growing demand from SMEs, corporates, and institutions moving capital across emerging and developed markets.
