NIUM
Also a provider — view NIUM’s profile →“Can a single API-first cross-border payments infrastructure layer become the global operating system for money movement — enabling any fintech, bank, or enterprise to pay out to 190+ countries, issue cards in 30+ markets, and manage multi-currency treasury without building any of it themselves?”
Founded in 2014 as Instarem, a consumer-facing remittance app for overseas workers in Southeast Asia. Pivoted to B2B in 2016 by building an API-first payments infrastructure layer, then fully rebranded as Nium in 2019. The company evolved into a global embedded finance infrastructure provider — offering cross-border payouts, card issuing, multi-currency wallets, and FX — serving fintechs, banks, payroll platforms, and enterprises through a single API. After reaching a $2B peak valuation in 2022, Nium underwent a cost-restructuring in 2023 and is now positioning for an IPO while expanding its license portfolio and stablecoin/crypto payout capabilities.