Nibank
“Can Nibank build a modern SMB banking platform on Temenos BaaS rails that serves internationally-oriented freelancers and small businesses with multi-currency accounts and real-time FX?”
HQUnknown
IndustryFintech / SMB banking
The story
Nibank appears to be a digital banking platform targeting SMEs, freelancers, and consultants with multi-currency business accounts, real-time FX, and optional API integration. The partnership with Temenos signals a BaaS-oriented infrastructure approach rather than a fully self-built core banking stack. The company's current product focus is international business banking with embedded FX and card products for cross-border operators.
Last 12 months
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The stack
2 layers disclosed in Nibank’s embedded-finance stack
Banking / BaaS
Card issuing
in the full report
Accounting gap: none
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.