Niural Wallet Multi-Currency Conversion

Niural Wallet provides B2B fiat-crypto conversion infrastructure enabling Web3 businesses to convert between traditional currencies and digital assets for treasury operations and payment workflows. The platform supports real-time conversion at competitive exchange rates with transparent pricing and no hidden spreads.

Conversion Capabilities

Multi-Currency Support - Hold and convert between USD, EUR, ETH (Ethereum), USDC (USD Coin stablecoin), and USDT (Tether stablecoin) in a single unified wallet interface. Real-time conversion engine provides instant quotes and execution.

Transparent Pricing - No hidden spreads or surprise fees on currency conversions. All exchange rates and applicable fees are disclosed upfront before transaction confirmation.

Rapid Settlement - Fiat deposits via ACH or wire transfer are available for conversion within 1-2 business days. Crypto deposits (ETH, USDC, USDT) are available within minutes after blockchain confirmation.

Integration with Payment Rails - FedNow instant payment network integration enables same-day USD transfers. International payment services provided through CurrencyCloud (FinCEN registered, authorized in 39 states) and Nium (partner with Community Federal Savings Bank).

Use Cases for Treasury Operations

Crypto Treasury to Fiat Operations - Convert crypto holdings to USD/EUR for payroll, vendor payments, and operational expenses while maintaining clean financial records and tax reporting.

Fiat to Crypto Conversion - Convert business banking balances to stablecoins for global contractor payments, cross-border transfers, or holding crypto treasury positions.

Flexible Funding - Top up from existing business bank accounts via ACH or wire transfer, or fund with crypto deposits from external wallets. Use a single wallet as the funding source for all payment types (US payroll, international EOR payroll, contractor payments, vendor bills).

Security and Compliance

SOC 2 Type 2 certification ensures enterprise-grade security for all conversion and treasury operations. USD balances are FDIC-insured through i3 Bank. Full audit trails, immutable transaction logs, and detailed reporting support tax compliance, accounting reconciliation, and regulatory requirements.

The platform is particularly valuable for Web3 companies that need to bridge traditional business banking with crypto payment workflows, maintaining both fiat operating balances and crypto treasury positions in a single unified system.