Real rates. Real time. No hidden markups.
Nium gives businesses direct access to interbank FX rates across 100+ currencies — with the ability to lock in rates and fund later, so your FX costs stay predictable at any volume.
FX that works at the rate you need it to.
Whether you're moving $50,000 or $50 million, you access the same interbank rate. No volume tiering, no opaque markups.
With Nium, you can lock a rate for up to 24 hours, then settle up to two days later. Your rate is protected while your operation catches up. Simply convert and disburse across 100+ currencies through a single API. No additional integrations per corridor.
Lock in the rate before the payroll runs — not after.
Lock the FX rate before the payroll run, settle when funds are ready. Payroll providers fix their funding cost and salary amounts upfront, removing FX exposure and the operational overhead of managing it.
Pay employees across 100+ currencies without routing through multiple FX providers. Conversion and disbursement in a single API call.
Nium's interbank rates — with no hidden markup layer — give payroll platforms a competitive cost base to price against.
Add the payment layer without rebuilding the whole stack
The correspondent FX problem
Banks offering FX through correspondent relationships absorb layers of intermediary markup before rates reach their clients. Nium gives banks direct access to interbank rates you can pass through to your customers — or use to sharpen your own spread.
White-label FX infrastructure
Nium is invisible to your end customers. You present the product, the rates, and the brand. Nium provides the rate engine, the conversion infrastructure, and the settlement rails, all through a single integration.
Coverage that matches your client needs
From G10 pairs to emerging market corridors, Nium's coverage spans the currencies your corporate clients need.
Build FX into your platform —
your rate, your margin, your brand.
FX as a revenue line, not a cost centre
Platforms that handle cross-border payments for their users sit on an FX margin opportunity. Nium enables platforms to access interbank rates, apply their own spread, and retain the FX revenue.
One API for conversion and payout
Convert funds individually or in bulk in your wallet, then disburse when ready. Batch FX ahead of a payout run or convert at settlement — it all happens inside Nium's infrastructure. One system, no external reconciliation.
Currency pairs your users actually use
Whether your marketplace operates in Southeast Asia, Latin America, or across Europe, Nium's 100+ currency coverage handles the pairs your sellers and buyers transact in without requiring your engineering team to add corridor-by-corridor integrations.
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Know the rate before you move the money.
Whether you're running international payroll, building FX into your platform, or looking to replace your correspondent FX arrangement — talk to us about what Nium's rate access means for your business at scale.