Move money in and out ofAfrica with one API.
International payments as a service, where Africa meets the world. Collect, convert and pay out on local rails, and over SWIFT to 180+ countries.
Money movers on Nilos
Nilos in numbers
- $2B+processed a year
- 1M+payments processed
- 99.97%success rate
- 180+countries over SWIFT
- 80+currencies on local rails
Built for banks, remitters,wallets and PSPs.
Pick yours to see its corridors and products.
Banks and MFBs
Your importers wait days to pay China. Pay their suppliers in CNY, in the importer's name, with no new correspondent.
Remittance
Payouts land in African banks and mobile wallets, at a 99.97% success rate. Fund one balance in local currency, with no float per rail.
B2C wallets and neobanks
Your users leave your app to send money abroad. Let them receive from family and send to M-Pesa, banks and Alipay, in your app.
PSPs and fintechs
Merchants want accounts in their own name. Collect for each merchant and pay its suppliers abroad, with the merchant as sender.
Follow one paymentfrom Lagos to Alipay.
Lock the rate, then pay on local rails or SWIFT. Each step sends a status, from quote to receipt.
Quote
You request a quote by API. It shows the FX rate and rail fee before you send.
Compliance
Nilos screens the sender and the beneficiary. If you are regulated, we rely on your KYB.
Route
Nilos picks the local rail, such as bank transfer or M-Pesa. SWIFT covers the rest.
Settle
A licensed partner bank settles in local currency, in your client's name where the rail allows.
Receipt
A webhook sends the paid status and rail reference. SWIFT payments include the MT103.
Five products,one integration.
Collect, pay out, open accounts, pay suppliers and convert through one API. Turn on what you need.
Collect from London to Lagos
Your customers pay by bank transfer or mobile money. Each credit lands in your account and fires a webhook.
Pay out to the last mile
Pay bank accounts and mobile wallets across Africa, or anywhere else over SWIFT. Every payout gets a receipt.
Pay suppliers on your client's behalf
POBO pays supplier invoices in your client's name, including CNY into mainland China. The supplier sees who paid.
Accounts in your client's name
You get a master account. Each client gets sub-accounts, in its own name for USD, EUR, GBP, AED, KES and XOF.
A rate you can check first
Lock a quote by API and see the all-in price before you send. You get a new rate card every day.
Client money kept apart.Controls audited.
Your compliance team will ask where money sits, who runs KYB and how data is protected.
Segregated client accounts
Client money sits in segregated accounts at licensed partner banks. You see every balance by API and in the dashboard.
Your KYB, relied on
If you are regulated, we rely on your KYB. We don't ask your clients for the same documents again.
SOC 2 Type II
An independent auditor tested our security controls across a full audit period. Request the report in our trust center.
The questionswe get on every call.
Banks, remitters, wallets and PSPs ask these before they sign.
Who regulates Nilos?
Nilos Canada Ltd is a FINTRAC-registered MSB, number C100000178. In the EU, Nigeria, Senegal and Kenya, we work through licensed partners. See the regulator behind each market.
Whose name is on the account?
Your client's, wherever the local rail allows it. Where an account sits in Nilos's name, each client gets a unique reference, so every credit is matched. See which applies to each currency.
How fast does a payment to China arrive?
Typical timings per corridor are on the coverage page. You get a receipt by API when it lands.
Will you re-run KYB on our clients?
No. If you are regulated, we rely on your KYB. Supplier payments still need the invoice.
How long until we go live?
About six weeks. Integration takes around two weeks, and compliance onboarding runs at the same time.
What will it cost, all-in?
You see the full cost before you confirm. Each payment gets a quote by API with the FX rate and the rail fee. Talk to our team for a quote on your corridors.
Do we have to pre-fund in USD?
No. Fund in any of 20+ local currencies, from NGN to KES.
Bring us your hardest corridor.We'll show you the route.
Name the corridors you need. We send back the rails, typical timings and documents for each.
