Multi-Currency Payment Infrastructure with FX Optimization

Nilos provides businesses with comprehensive fiat and cryptocurrency conversion infrastructure, combining multi-currency accounts, cross-border payment rails, and real-time foreign exchange capabilities across 120+ countries. The platform leverages both traditional banking rails and innovative stablecoin/crypto infrastructure to optimize liquidity and reduce conversion costs for global treasury operations.

Foreign Exchange Platform

Deep Liquidity Network: Access an extensive worldwide network of liquidity providers with real-time optimization to find the best price for every exchange request. The platform's unique differentiator is leveraging cryptocurrency and stablecoin rails to increase liquidity access in emerging markets, opening new and more efficient payment corridors that traditional banking cannot serve.

Wholesale Rates: Trade across all currency pairs at wholesale rates, reducing FX fees by up to 50% compared to traditional banking channels. Real-time pricing provides instant quotes with transparent pricing across all forex pairs.

Crypto and Stablecoin Rails: Innovative use of cryptocurrency and stablecoin infrastructure to optimize liquidity discovery in fragmented emerging market corridors where traditional FX providers often charge prohibitive spreads or exclude challenging markets entirely.

Multi-Currency Collection

Local Payment Rails: Receive payments via bank transfers, e-wallets, and mobile money across 120+ countries without establishing overseas bank accounts. The platform connects directly to local payment rails across Europe, Middle East, Africa, LATAM, and Asia for rapid settlement.

Instant Settlement: All global payments settle to your multi-currency account on the same day, providing immediate access to funds and improved cash flow management.

Treasury Control: Access a broad and diverse liquidity network in multiple currencies with seamless instant conversions to reduce foreign exchange exposure and simplify inter-company transfers.

Global Payment Sending

Extensive Payout Rails: Send international payouts to vendors, suppliers, and employees using local payment methods including bank transfers and mobile money across 120+ countries. The platform routes payments through the most efficient corridors to optimize both speed and cost.

Same-Day Settlements: Use local rails to send and settle instantly in 100+ countries, eliminating multi-day delays associated with traditional SWIFT transfers.

Cost Optimization: Reduce cross-border transfer costs by routing payments through efficient corridors, addressing the high costs and long settlement times of traditional international wire transfers, especially for emerging market destinations.

Technical Integration

The platform provides a robust API with 99.9% monitored uptime, enabling automation of all conversion, collection, and payment operations including reconciliation. Businesses gain full control and visibility over finances with real-time tracking and reporting capabilities.

Approval Workflows: Define granular access rules to secure payment operations with custom approval processes for different teams and transaction types.

Multi-Organization Management: Manage accounts for headquarters and subsidiaries on a single interface with centralized visibility and control over global payment operations.

Use Cases

Ideal for international traders collecting from and paying suppliers in emerging markets, global corporates managing inter-company transfers and subsidiary payments, and fintechs building payment products for their customers. The infrastructure eliminates high FX spreads and long settlement delays associated with traditional international wire transfers while providing access to competitive rates across both developed and emerging market currency pairs through dual-rail (traditional + blockchain) infrastructure.