Nilos is a global B2B payment infrastructure platform founded in 2022, specializing in cross-border payments for businesses transacting with emerging markets in Africa, LATAM, and Asia. The company combines traditional banking rails with blockchain technology to provide instant, cost-effective international payment solutions.
Core Products/Services
Nilos offers a comprehensive payment stack built on a unique infrastructure that merges banking and blockchain systems:
Multi-Currency Accounts: Global collection accounts enabling businesses to receive payments via bank transfers and e-wallets across 120+ countries without establishing overseas bank accounts. Funds settle instantly to multi-currency accounts with same-day settlement capabilities.
FX Exchange Service: Real-time foreign exchange across all currency pairs, leveraging a deep network of liquidity providers and stablecoin rails to optimize conversion paths and reduce FX costs by up to 50%. The platform sources liquidity in real-time to ensure optimal pricing.
Cross-Border Payments: Global payment infrastructure plugged into banking and mobile money rails, enabling businesses to send payouts to suppliers and merchants worldwide using local payment methods. The platform supports both fiat and crypto rails for maximum flexibility.
Key Strengths
Nilos's core technological advantage is its revolutionary payment routing engine that combines traditional financial infrastructure with blockchain technology. The platform is registered with multiple regulatory bodies including AMF France for digital asset services (custody, purchase/sale of digital assets), DNB Netherlands as an Electronic Money Institution, and FINTRAC Canada for money service business operations including virtual currency dealings.
The company's infrastructure achieves 99.9% monitored uptime and is SOC 2 Type II certified. By leveraging stablecoin and crypto rails alongside traditional banking, Nilos unlocks liquidity in hard-to-reach corridors and enables same-day settlements even in emerging markets where traditional SWIFT transfers can take days.
Notable Clients/Projects
Nilos serves three primary customer segments:
International Traders: Import/export businesses use the platform to collect and pay via local bank transfers in emerging markets without setting up local entities, improving cash flow and increasing margins through reduced FX costs and faster settlements.
Global Corporates: Multinational companies streamline financial flows between headquarters and subsidiaries in emerging countries, using the stablecoin conversion API to reduce foreign currency exposure and accelerate inter-company transfers.
Fintechs: Financial technology companies integrate Nilos's infrastructure to offer stablecoin products to their customers without additional compliance burden, reducing go-to-market time from months to weeks.
Why Choose Nilos
Nilos addresses the critical pain point of fragmented, expensive, and slow cross-border payments in emerging markets. Traditional payment providers often exclude challenging corridors or charge prohibitive fees. By combining banking partnerships with blockchain technology, Nilos provides:
- Instant settlements: Same-day payment processing in 120+ countries through local payment rails
- Cost efficiency: Up to 50% reduction in FX fees through optimized liquidity routing
- Comprehensive coverage: Access to both traditional banking and innovative crypto/stablecoin rails
- Regulatory compliance: Licensed operations in France (AMF), Netherlands (DNB), and Canada (FINTRAC)
- Developer-friendly: Robust API for automation of collections, conversions, and payouts
The platform's unique value proposition is bringing instant payment infrastructure to challenging corridors through deep liquidity networks, local accounts, and multiple payment options including stablecoins—all accessible through a single integration.
