Nium

Nium, founded in 2014 as Instarem and rebranded in 2019, is a Singapore-headquartered global payments infrastructure company. It addresses the challenge banks, fintechs, and travel and payroll platforms face when moving money and issuing cards across many countries and currencies.

The platform provides real-time cross-border transfers to more than 190 countries, multi-currency accounts supporting 100-plus currencies, physical and virtual card issuance in 30-plus markets, FX conversion, and compliance and beneficiary verification tooling accessed through a single API. Its 1,000-plus customers include banks, fintechs, and platforms such as Air France, DBS, and Visa.

1. Cross-Border Transfers: Send real-time payments to more than 190 countries via one API.

2. Multi-Currency Accounts: Hold and settle funds in over 100 currencies.

3. Card Issuance: Issue physical and virtual cards across more than 30 markets.

4. FX Conversion: Convert currencies at the point of transaction or settlement.

5. Compliance Tooling: Screen and verify beneficiaries to meet local regulatory requirements.

6. Unified Ledger: Track balances and transaction events per program through a dedicated ledger.