Fintechs & financial services
Move money for your customers in the corridors that matter.
MTOs, PSPs, and non-bank FIs run on Nium to build ahead of the market. One API for payouts across 190+ countries, FX margin under your control, and a license network across 40+ jurisdictions ready for the rails, currencies, and rules coming next.
1,000+ industry-defining customers worldwide
BUSINESS VALUE
New markets come with new complexities. Not with Nium.
Every new corridor brings new banking partners, settlement terms, compliance requirements, and integration work. Nium collapses that cycle with one integration, one relationship, and one network already live in the markets your customers care about most.
Real-time payouts in the markets your customers serve.
190+ countries, 100+ in real time
Reach billions of bank accounts, wallets, and cards through Nium’s payout network and take advantage of local real-time rails that deliver funds in minutes.
Local rails that cut cost and lag
PIX in Brazil. Faster Payments in the UK. Interac in Canada. NPP in Australia. PayNow in Singapore. Routing locally removes correspondent bank hops — and the unpredictable fees and delays that come with them. You send the instruction, Nium handles the rest.
Wallet and card payout reach
M-PESA in Kenya. GCash in the Philippines. Alipay in China. Push-to-card in 70+ markets. Beneficiaries receive money the way they actually use it, not the way correspondent banking was designed decades ago.
More capital you can actually use.
Replace a stack of partnerships with one
Every corridor partner means another contract, another settlement cycle, another reconciliation workflow, and another relationship to manage when something goes wrong. Nium consolidates that into one API, one funding model, and one operations team that already knows your corridors.
Free working capital trapped in prefunding
Bilateral payout partnerships mean prefunding accounts and locking up working capital which sits idle. Nium's network is designed for capital efficiency: less liquidity trapped in corridor-specific accounts, more working capital available for growth.
Run your payment operations, don’t just initiate them
One API covers payouts, FX, and verification. Track every payment in real time from instruction to delivery. And everything is white-label, so your brand stays in front throughout.
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Your first payment shouldn't take a quarter.
The product demos gave our team a lot of confidence and the technological integration process was seamless and conclusive, reflecting a great start for the partnership."
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One integration – every product
Payouts, FX, and account verification are all available through a single Nium integration.
From onboarding to live, fast
Hosted forms, automated identity verification, and a streamlined compliance query process cut the typical time between contract signature and first live payment, meaning you’re shipping new products faster.
A team that knows what you're building
Nium's client teams include solution engineers, project managers, and account managers who have onboarded MTOs, PSPs, and non-bank FIs before.
Catch bad account details before the payment fails.
Pre-payment account verification in 50+ countries
Nium Verify checks account status and beneficiary details before a transaction is submitted — so failed payments, returns, and the exception handling that follows them are caught at the point of data entry.
Richer risk signals for compliance decisions
Account status coverage provides richer data signals beyond a simple valid/invalid check — giving your compliance and operations teams better information for risk-based decisions without slowing down the payment flow.
Scalable API for high-volume operations
Nium Verify's API supports hundreds of TPS, built for MTO and PSP operations running high transaction volumes where verification can't become a throughput bottleneck.
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Stop losing margin to FX you can't control.
Tiered pricing by corridor and client
FX pricing structures that flex by corridor, volume, and client type give your operations team margin predictability rather than rate surprises. Set tiers that reflect your commercial model, not a one-size rate.
Fix your rate any time, any day
Nium's FX engine runs 24/7 — weekends and holidays included. Executable quotes mean you commit when the rate works, not when the market happens to be open. Lock and hold lets you fix a rate ahead of a large disbursement, so margin is protected from the moment the commercial decision is made.
FX markups as a revenue stream
Add FX markups on conversion flows to create a direct revenue line on top of your payout operations. Transparent rate access for your customers, margin control for your business.
ADJACENT SOLUTIONS
The money movement stack to scale your business globally.
Cross-border payouts
Send funds to 190+ countries in real time, in 100+ currencies. One integration or a simple SDK.
Stablecoin-backed cards
Let customers spend stablecoin balances anywhere Visa or Mastercard is accepted.
Nium Verify
Verify beneficiary accounts before you send — and stop payment failures before they start.
contact us
Let money move.
Talk to our team about how Nium can help you collect, convert, send, and spend with faster, more transparent payments worldwide.
FAQs
Answers you didn’t know you needed.
How does Nium support MTOs and money transfer operators?
Nium provides the payout network, FX infrastructure, and account verification that MTOs need to send funds on behalf of their customers — across 190+ countries and 100+ real-time markets. MTOs connect via a single API and route through Nium's network, which is already licensed and operating in the markets their customers use. You retain the client relationship and your own regulatory authorization; Nium handles the network layer, FX conversion, and payment routing.
Can PSPs use Nium's payment rails?
Yes. Payment service providers and acquirers use Nium to pay merchants across bank accounts, wallets, and cards in 190+ countries through a single API integration. Required payout fields surface automatically per corridor, reducing integration errors. Real-time payout status, GPI wire tracking, and built-in redundancy across major corridors are included as standard operational features. PSPs must hold the appropriate licenses to operate in their home market — Nium provides the infrastructure layer, not the regulatory authorization.
Does Nium support crypto wallets and stablecoin businesses?
Nium's infrastructure supports businesses operating in the stablecoin and crypto wallet space who need fiat payout rails, card issuance, and multi-currency account capabilities. If your business moves funds that originate in or settle to digital assets, speak to the Nium team about how our infrastructure maps to your specific flow. Capabilities in this space are subject to regulatory framework and licensing considerations by market.
How does Nium handle licensing for fintechs expanding globally?
Nium holds 80+ regulatory licences across 40+ jurisdictions — including EMI licences in the UK and Europe, money transmitter licences across 30 US states, and payment institution licences in key APAC markets. When you route through Nium as your infrastructure layer, you're operating on a network that is already licensed in the markets you need. You remain responsible for your own regulatory authorisation in your home jurisdiction; Nium covers the network and corridor licensing.
What payment products can fintechs launch with Nium?
Through a single Nium integration, fintechs can access global payouts to bank accounts, wallets, and cards; multi - currency accounts for collecting and holding funds across currencies; FX with tiered pricing and rate lock capabilities; account verification via Nium Verify across 50+ countries; and card issuance for physical and virtual programmes. Products can be added incrementally without a new onboarding process — each addition is a commercial and API extension on the existing integration.
How quickly can a fintech go live with Nium?
Nium's onboarding infrastructure is built for speed — hosted forms, automated identity verification, and a streamlined compliance query process are designed to reduce the time between contract and first live transaction. The exact timeline depends on your product scope, markets, and compliance structure, but Nium's target is to cut typical go-live timelines materially compared to building direct banking relationships in each market. Speak to our team for a timeline estimate based on your specific configuration.