Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 69 companies across 5 categories.
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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.
Other FX / Payouts providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/nium/install" width="1" height="1" alt="" style="display:none">69 companies disclose Nium in their stack in the Embedded Finance Index 2026, including eDreams ODIGEO, Ebury, KOHO, Airfrance, Ecommpay, Owlting Group, Weel, Deel, Travelex, Remessa and 2 others.
Nium is an embedded-finance provider in FX / Payouts, Unified FX, PSP, BaaS and Card Issuing. It ranks #3 of 185 FX / Payouts providers by disclosed buyers.
The most-disclosed FX / Payouts alternatives to Nium are Currencycloud (82 buyers), Airwallex (81 buyers), Wise Platform (60 buyers), Stripe (49 buyers), Convera (33 buyers) and Visa Direct (24 buyers).
Nium was founded by Prajit Nanu and Michael Bermingham and is founded in 2014, headquartered in Singapore (co-headquartered with San Francisco).
Nium has raised $300M+ in total.
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