$1B+ processed across 120+ countries

Payment infrastructure
for the hardest corridors

Same-day settlement, exotic FX liquidity, and local payout rails for fintechs and merchants operating in Africa, LATAM, and emerging markets.

The complete stack for cross-border money movement

Collect, convert, and pay out through a single integration. We handle the liquidity, compliance, and local rail connectivity so you don't have to.

Built for the corridors others avoid

Settlement in hours, not days

Direct connections to local payment rails and accounts worldwide mean your cross-border payments settle within the same business day. No correspondent banking chains. No waiting.

Up to 50% lower FX costs

We source liquidity in real-time through an extensive partner network, finding optimized conversion paths for every trade  including exotic pairs that traditional providers mark up heavily.

One API for all corridors

A single API to collect, convert, and pay out globally. Real-time quotes, automated reconciliation, full visibility into every payment status. Go from integration to live in weeks, not months.

Treasury management that works

Instant FX conversions to reduce currency exposure. Simplified inter-company transfers. Custom approval workflows. Your CFO will thank you.

The complete stack to operate your cross-border money movements

Multi-currency accounts

Our multi-currency account enables you to receive payment via bank transfers and e-wallets without creating overseas bank accounts.

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Exotic FX Liquidity

Our exchange service provides you with real-time quote across all different forex pairs. We optimize liquidity discovery and trade settlements with a deep network of partners worldwide.

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Local payouts

Our accounts are plugged in with banking and mobile-money rails to let you pay your suppliers and merchants as they are used to.

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The complete stack to operate your cross-border money movements

We're bringing instant payment rails to challenging corridors through a network of deep liquidity, local accounts and multiple payment options.

Collection
Collect via bank transfers and local payments methods
exchange
Trade across all different currency pairs at wholesale rates
Pay
Send payouts to your merchant and suppliers worldwide using local rails
digital assets
Deposit funds via direct crypto or IBAN transfer to your digital account

Global collection account

Our multi-currency account enables you to receive payment via bank transfers and e-wallets without creating overseas bank accounts.
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FX Conversions

Our exchange service provides you with real-time quote across all different forex pairs. We optimize liquidity discovery and trade settlements with a deep network of partners worldwide.
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Cross-border transfers

Our accounts are plugged in with banking and mobile-money rails to let you pay your suppliers and merchants as they are used to.
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Digital assets accounts

Stablecoins are gaining tractions as mean of payments and as a treasury tool. We support stablecoins accounts to collect, pay and exchange across the globe with no hassle.
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Reliable

99.9% monitored uptime. Continuously tested infrastructure with real-time fraud monitoring across every transaction.

Secure

SOC 2 Type II audited code, infrastructure, and processes. Your funds are safeguarded by leading regulated institutions.

Compliant

Licensed by the AMF in France. Registered with FINTRAC in Canada as a Money Services Business. Partner of Modulr Finance B.V., authorized by the Dutch Central Bank.

Start moving money in minutes

Our platform and API let you collect, convert, and pay out globally from a single integration.

Send and receive in 120+ countries

Send and receive in 120+ countries using local payment rails

Full control and teams efficiency

Manage different teams & organization. Set up custom payment approval flows

Reduce your FX fees by 50%

Optimize cross-border transfers according to your business requirements

Operate your accounts seamlessly with our API

Our robust API let you automate all your operations, from reconciliation to conversion and payouts.

See how teams like yours use Nilos

Businesses across industries use our infrastructure to collect, convert, and pay out in the world's most challenging corridors.

Merchants

International traders use Nilos to collect and pay via local bank transfers in emerging markets like Africa and LATAM without having to set up local entities. Our same-day settlement capability and FX cost reduction help improve cash-flow and increase margins.

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Global corporates

Global businesses use Nilos to streamline and automate their financial money flows from and to subsidiaries in emerging countries. Our FX and stablecoin conversion API let them reduce exposure to foreign currency and speed up inter-company transfers.

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Fintechs & Neobanks

Fintechs use Nilos to get access to multi currency accounts for them and their customers. Our global reach and robust API let them speed up their go-to-market on these new offerings from months to 2 weeks.

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FAQs

Everything you need to know about getting started with Nilos.

Is it safe to use Nilos?

Yes. Our infrastructure is SOC 2 Type II audited. All funds are safeguarded by Modulr Finance B.V., authorized by the Dutch Central Bank. We run continuous fraud monitoring and encrypt all data in transit and at rest.

How do I open an account?

Create an account on our platform. Our compliance team handles KYB verification and typically approves accounts within 1-2 business days. Once approved, you can fund your account and start transacting immediately.

How support at Nilos work?

Every account gets a dedicated account manager. For technical questions, our integration team provides direct support via email and Slack. For urgent issues, we offer priority response through our support portal.

What currencies and countries does Nilos support?

We support payments in 120+ countries across Africa, LATAM, Asia, Europe, and North America. Our FX engine covers both major and exotic currency pairs, including African and Latin American currencies that most providers can't handle.

How fast are settlements?

Most transactions settle same-day. We connect directly to local payment rails rather than routing through correspondent banking chains, eliminating the 3-5 day delays typical of traditional cross-border payments.

Company

Why NilosOur StoryCareersPressKit

Product

Multi currency accountsGlobal paymentsDigital AssetsExchange

Use Cases

International Import & ExportGlobal corporatesFintechs

© 2025 Nilos Financial Services Ltd. All rights reserved.

NilosFinance UAB is a limited company registered in Lithuania under the code 306 022 608 as an operator of deposit virtual currency wallet and a virtual currency exchange operator. Nilos France SAS, incorporated in France under the code 918 733 502, is registered with the AMF for the activities of digital assets custody, purchase and sale of digital assets for legal tender and trading of digital assets against other digital assets, under number E2023-074. NilosFinance UAB and Nilos France SAS are both subsidiaries of the Israeli company Nilos Financial Services Ltd (516 409 869).

NilosFinance UAB is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information, please consult this page.

Your card is issued by Modulr Finance B.V. pursuant to a license by Visa Europe. Visa and the Visa brand mark are registered trademarks of Visa Europe NilosFinance UAB provides digital assets custody and exchange services. These are separate and unrelated to the account and payment services you receive from Modulr Finance B.V. Modulr Terms and Conditions

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Company

About UsOur StoryCareersBlog

Product

Multi currency accountsGlobal paymentsExchange

Use Cases

International Import & ExportGlobal corporatesFintechs

Resources

API DocsStatusSecurity

©2024 Nilos Financial Services Ltd. All rights reserved

Nilos France SAS, a French company registered under number 918 733 502, is registered with the AMF ("Autorité des Marchés Financiers") for the provision of the following services: Digital assets custody, Purchase and sale of digital assets for legal tender and trading of digital assets against other digital assets (n°E2023-074). See Whitelist here.

Nilos France SAS is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution (Firm Reference Number: R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information, please consult this page.

Nilos Canada Ltd. is a Canadian Limited company incorporated under number BC1494269, whose headquartered at 422 Richards St., Suite 170, Vancouver, BC V6B 2Z4,Canada.
Nilos Canada Ltd. is registered as a MSB (Money Service Business) with the FINTRAC for the provision of the following services: foreign exchange dealing, Money transferring, Dealing in virtual currencies and Payment services, under number C100000178. See MSB Register here.

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