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Global Real-Time Banking Rails● Production Rail

Nium

Global infrastructure for real-time B2B and consumer cross-border disbursements, local clearing, and multi-currency issuing across Asia-Pacific and EMEA.

Settlement Speed
Real-Time (<5m)
Baseline Pricing
+0.12%
Supported Countries
100+ Countries
Active Currencies
SGDHKDAUDJPYINRUSD
RAIL ARCHITECTURE

Core Capabilities

  • Local clearing in 40+ countries
  • Direct real-time corporate virtual IBANs
  • Instant card issuing APIs (Visa/Mastercard)
  • Multi-currency ledger reconciliation
TECHNICAL INTERFACES

Supported Protocols

FAST / PayNow (Singapore)Active
FPS (Hong Kong)Active
NPP (Australia)Active
SEPA InstantActive
COMPLIANCE & LICENSING

Regulatory Status

  • MAS Major Payment Institution (Singapore)
  • UK FCA Authorized EMI
  • FMA (NZ)
ORCHESTRATION CONTRACT CALL
POST /v1/orchestration/nium/payout
// Execute automated cross-border settlement via Nium
const response = await fetch("https://api.globalpayment.live/v1/orchestration/nium/payout", {
  method: "POST",
  headers: {
    "Authorization": "Bearer gp_live_sk_9a8f...",
    "Content-Type": "application/json",
    "X-Idempotency-Key": "idemp_550e8400-e29b-41d4-a716"
  },
  body: JSON.stringify({
    sourceAccount: "act_treasury_usd_01",
    targetRail: "nium",
    amount: "25000.00",
    currency: "USD",
    destinationCurrency: "SGD",
    beneficiary: {
      accountType: "corporate",
      routingProtocol: "FAST / PayNow (Singapore)"
    }
  })
});