Global licenses and regulatory coverage, worldwide.
Nium’s global licensing footprint spans 40+ licenses, authorizations, and registrations across key markets — enabling payments, cards, wallets, and FX at scale.
BUSINESS VALUE
Expanding our global licensing footprint.
Active investment in licenses for stablecoin
Enabling stablecoin products through new licenses in existing markets across the EU and Singapore.
Stronger local capabilities in high-growth markets
Securing a key license in Mexico (MTL) — with more to come.
Direct connectivity to central banks and clearing houses
Bypassing intermediaries where it matters for lower fees and faster settlement.
OUR COVERAGE
Licensed where it matters.
Australia
Nium Pty Limited (ABN: 45601384025) holds an Australian Financial Services Licence (Licence No. 464627) issued by the Australian Securities and Investments Commission, and is registered with the Australian Transaction Reports and Analysis Centre (AUSTRAC) as an independent remittance dealer (Registration No. IND100432795-001).
Brazil
Nium Instituição de Pagamento Ltda is an Electronic Money Issuer (license issued August 1, 2025) and is licensed to issue electronic money and provide payment services in Brazil.
Canada
Nium Canada Corporation is a registered as a Payments Service Provider with the Bank of Canada. It is also registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Services Business (Registration No. M15669293).
European Union – EEA Lithuania
UAB Nium EU is an Electronic Money Institution (License No. 14 issued on 28 September 2017) regulated by Lietuvos Bankas (Bank of Lithuania) and is licensed to issue e-money and provide payment services in the EEA through the passporting regime.
European Union – Malta
Nium Financial Services Malta Limited, registered in Malta (company registration number C98342) and registered office at Capital Business Center, The penthouse suite 1 Triq Taż-Żwejt SĠN3000, San Ġwann, Malta, is authorised by the Malta Financial Services Authority (office address: Triq l-Imdina, Zone 1, Central Business District, Birkirkara CBD 1010, Malta) under the Financial Institution Act (Chapter 376 of the laws of Malta) for the issuing of electronic money and provision of payment services.
Hong Kong
Nium Limited is licensed by the Customs and Excise Department as a Money Service Operator Licence (Licence No. 16-01-01797).
India
Nium India Pvt Ltd. operates in partnership with its AD-1 Bank partners, under specific approvals granted by the Reserve Bank of India to the AD-1 Bank partners.
Indonesia
PT Nium Mitra Indonesia is regulated by Bank Indonesia as a Category 3 Payment Service Provider (License No. 21/261/Jkt/1).
Japan
Nium Japan Kabushiki Kaisha is regulated by the Kanto Local Finance Bureau as a Type I and Type II Funds Transfer Service Provider (License No. 00073).
Malaysia
Nium Sdn. Bhd. with Registration No. 201701000367 (1214517-X) is licensed by the Central Bank of Malaysia as a Class B Money Service Business (Remittance Business) (License No. 00625, valid until 7 January 2028).
Singapore
NIUM Pte. Ltd. is regulated by the Monetary Authority of Singapore as a Major Payment Institution (Licence No. PS20200276).
New Zealand
Nium (New Zealand) Limited, (company registration no. 9076652, NZBN: 9429051874322) is registered as a Financial Service Provider on the New Zealand Financial Service Provider Register (FSP number 1006810).
United Kingdom
Nium Payments UK Limited (EMI); Nium Solutions Limited (Authorised Payment Institution).
Nium Fintech Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Reference Number 901024) for the issuing of electronic money and provision of payment services.
Nium Payments UK Limited (company registration number 04072405) is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Reference Number 900800) for the issuing of electronic money and provision of payment services.
Nium Solutions Limited (company registration number 09024600) is authorized by the Financial Conduct Authority under the Payment Services Regulation 2017 (Reference Number 721549) for the provision of payment services.
United States
Nium continues to expand licensing coverage across all US states, with approvals ongoing through 2025-2026. To view state-specific licensing information, regulatory agency details, and required consumer disclosures, visit our Licenses and Disclosures page.
Nium, Inc. (NMLS ID 1528562) operates in the United States under programs sponsored by Community Federal Savings Bank (CFSB) and Cross River Bank (CRB). CFSB is a federal savings bank chartered in the United States and CRB is a New Jersey state-chartered bank. Payment services in the United States are provided by CFSB and CRB, to which Nium, Inc. acts as a service provider, and customer funds are held in custodial accounts at CFSB or CRB.
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FAQs
Answers you didn’t know you needed.
Which countries is Nium licensed in?
Nium is licensed in 40 countries, including: Australia, Brazil, Canada, the European Union, Malta, Hong Kong, India, Indonesia, Japan, Malaysia, New Zealand, Singapore, United Kingdom, and United States. New markets are in progress.
What types of payment licenses does Nium hold?
Nium holds different license types depending on each jurisdiction's regulatory framework. Here's what each enables:
EMI (Electronic Money Institution) — EU/EEA standard. Allows issuing e-money, payments, card issuing, and multi-currency wallets. Nium holds this in Lithuania, Netherlands (in progress), and Malta.
MSO (Money Service Operator) — Hong Kong's equivalent. Enables payments and card issuing, but not multi-currency wallets under the current license.
MPI (Major Payment Institution) — Singapore's highest tier. Covers domestic/international payments, wallets, and card issuing.
AD-II (Authorized Dealer Category II) — India's FX license. Specifically for foreign exchange services; Nium's remittance services operate through bank partner AD-I relationships.
Type I & II Funds Transfer Service Provider — Japan's tiered approach. Type I handles high-value cross-border; Type II covers standard transfers.
MTL (Money Transfer License) — US standard. Permits domestic and international payments; multi-currency capability varies by state.
The type varies because each regulator defines “payment services” differently. We tailor our licensing strategy to each market's rules.
Do I need my own licenses to operate through Nium?
How does Nium's licensing benefit businesses expanding globally?
Expanding into new markets usually means navigating local regulators, applying for approvals, and waiting. With Nium, that work is already done.
When you partner with Nium, you operate through our licensed infrastructure across 40 countries. That means faster time-to-market, no licensing overhead in covered jurisdictions, and a single integration that works across markets. As we expand our footprint, your reach expands with it.
Is Nium regulated in the EU and UK?
Yes. Nium holds an Electronic Money Institution license in the EU, regulated by the Bank of Lithuania and passported across the EEA. In the UK, Nium is authorized by the Financial Conduct Authority as an Electronic Money Institution. Both licenses enable payments, multi-currency accounts, and card issuing.
Can I customize or white-label Nium’s platform?
Note: Customization and white-labeling availability varies by product and partnership structure. Confirm options with our team.
Depending on your use case, customization may be available for API integration, reporting dashboards, or workflows specific to your customer segment. White-labeling (branding the user-facing experience) depends on product type and regulatory requirements in your jurisdictions — some regulators may require transparent Nium branding for compliance transparency.
For your specific needs, discuss customization and branding options with our partnerships team.
Which Nium capabilities can I access in my region?
We can onboard you in any of our licensed jurisdictions. Once onboarded, you and your customers can collect funds and make payouts in any of the currencies listed in our Nium Global Payments Atlas.
General partner questions.
Questions about partnership structure, licensing availability in your markets, or technical integration? Contact support@nium.com or visit our contact us page.