Nium

Nium provides API-based cross-border payments infrastructure for banks, fintechs, and enterprises to collect, convert, and disburse funds globally, plus card issuing and foreign exchange. Its payout network supports 100 currencies across 220+ markets—with 100 in real time—and card issuance in 34 countries, underpinned by licenses in 40+ jurisdictions. Founded in 2016, the company is privately held and co‑headquartered in San Francisco and Singapore, monetizing via usage- and transaction-based fees.