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SPECIFICTION
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Nium for Platforms

nium.com

WebAPI
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Spec score 7.7 #10 of 32 in Cross-Border Payment Platforms

What it is

Nium for Platforms lets business platforms embed payouts, multi-currency accounts, cards, and foreign exchange through one API. It serves spend management, payroll, treasury, marketplaces, gig-economy services, SaaS, and B2B embedded-finance platforms. Nium says it processes $84B annually across 190+ countries. Real-time payouts can reach 190+ countries in 100+ local currencies through fiat and stablecoin rails. Platforms can provide locally branded accounts, hold balances in 100+ currencies, convert funds, and pay recipients. Branded physical and virtual cards support fiat or stablecoin funding, limits, merchant controls, permissions, and live spend tracking. Developer resources include APIs, SDKs, guides, an OpenAPI specification, Postman collection, and production-like sandbox. A web portal supports card workflows, reporting, and sandbox access. Nium also describes localized onboarding, identity checks, KYB/KYC, monitoring, fraud controls, reconciliation, reporting, and signed HMAC-SHA256 webhooks. Pricing is on request; fees are set out in a separate Fee Schedule.

Spec sheet

What it does
Nium lets business platforms embed payouts, multi-currency accounts, cards, and FX through one API.Read 4 Oct 2026 · nium.com
Compliance
Nium says its embedded payments include localized onboarding, identity verification, and KYB/KYC, with monitoring and fraud controls.Read 4 Oct 2026 · nium.com
Support
Nium says integration support includes a dedicated solutions engineer, a private Slack channel, and 24/7 on-call support during the launch window.Read 4 Oct 2026 · nium.com
Headquarters
Singapore and San FranciscoRead 28 Sep 2026 · nium.com
Founded
2014Read 28 Sep 2026 · nium.com
Accounts and FX
Platforms can offer multi-currency accounts to hold and convert funds, alongside FX services.Read 4 Oct 2026 · nium.com
Availability and timing
Nium says implementation timelines depend on the use case, markets, compliance requirements, integration scope, and capabilities required.Read 4 Oct 2026 · nium.com
Card issuing
Nium supports branded physical and virtual cards funded by fiat or stablecoins, with limits, merchant controls, permissions, and live spend tracking.Read 4 Oct 2026 · nium.com
Developer tools
Nium provides APIs, SDKs, integration guides, an OpenAPI specification, a Postman collection, and a production-like sandbox.Read 4 Oct 2026 · nium.com
Global reach
The platform page says Nium processes $84B in 190+ countries every year.Read 4 Oct 2026 · nium.com
Integrations and partners
Nium lists Visa and Mastercard as card network partners, Thredd and Fiserv for card issuance, and SWIFT and RippleNet for payment connectivity and settlement.Read 4 Oct 2026 · nium.com
Licensing
Nium's licensing page states that its footprint spans 40+ licenses, authorizations, and registrations across key markets.Read 4 Oct 2026 · nium.com
Multi-currency accounts
Nium offers local accounts, balances in 100+ currencies, currency conversion, and payouts to 190+ countries under a customer's brand.Read 4 Oct 2026 · nium.com
Operations
Nium says its unified platform provides payment data, reconciliation, and reporting.Read 4 Oct 2026 · nium.com
Payout reach
Nium says its platform can send payouts to 190+ countries and in 100+ currencies.Read 4 Oct 2026 · nium.com
Payouts
Nium offers real-time payouts to 190+ countries in 100+ local currencies over fiat and stablecoin rails.Read 4 Oct 2026 · nium.com
Pricing
The platform page directs interested businesses to talk to Nium and does not state a price.Read 4 Oct 2026 · nium.com
Security and certifications
Nium says it is audited annually against SOC 2 Type II, PCI DSS Level 1, ISO 27001, and ISO 22301.Read 4 Oct 2026 · nium.com
Security and standards
Nium's developer documentation displays badges for PCI DSS, ISO 27001, SOC 2 Type 2, and SOC 1 Type 2 compliance, among other privacy standards.Read 4 Oct 2026 · docs.nium.com
Web portal
Nium says customers can use its web portal to manage card workflows, access reporting, and start building with Sandbox.Read 4 Oct 2026 · nium.com
Webhooks
Nium says payment state transitions emit signed webhooks verified with HMAC-SHA256.Read 4 Oct 2026 · nium.com
Who it serves
Nium supports spend management, payroll, treasury, marketplaces, gig economy, SaaS, and B2B embedded finance platforms.Read 4 Oct 2026 · nium.com

Plans and prices

Nium for Platforms Priced on request Fees are set out in a separate Fee Schedule. Read 4 Oct 2026 · nium.com

Every Nium for Platforms plan and price →

Strong points and limits

Strong points

  • Payouts to 190+ countries
  • Balances and conversion in 100+ currencies
  • Fiat and stablecoin card funding
  • APIs, SDKs, and production-like sandbox
  • Same-day payout capability

Limits

  • Pricing requires a separate Fee Schedule
  • Implementation timing depends on use case and scope
  • Compliance requirements vary by market

Who it suits

It suits businesses embedding financial services into platforms for payroll, marketplaces, SaaS, treasury, spend management, or related uses.

Verdict

Nium offers a wide API and web toolkit for embedded payments, accounts, cards, and FX. Prospective customers should discuss their markets, compliance needs, integration scope, and applicable fees with Nium.

Where Specifiction places it

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