The same five stepson every corridor you add.
Quote, compliance, route, settle, receipt. A payout to Lagos, Nairobi, Dakar or mainland China runs the same steps.
Follow one paymentfrom quote to receipt.
A remitter in Europe pays a beneficiary in Kenya. Follow it from API call to paid.
Quote
You request a quote by API. It shows the FX rate and rail fee, so you know the all-in cost first.
Compliance
Nilos screens the sender and the beneficiary. If you are regulated, we rely on the KYB you already hold.
Route
Nilos picks the local rail, such as bank transfer or M-Pesa in Kenya. SWIFT covers places with no local rail.
Settle
A licensed partner bank settles the payment in local currency. It lands in your client's name where the rail allows.
Receipt
A webhook sends you the paid status and rail reference. SWIFT payments include the MT103.
One integration.Four layers behind it.
You integrate once with the Nilos API. You never sign or integrate with each bank.
API and dashboard
One API and one dashboard for every corridor you run.
Compliance
Screening and monitoring run inside the payment flow.
Licensed banks
Client funds sit in segregated accounts at licensed partner banks.
Local rails
Local rails for 80+ currencies, and SWIFT for the rest.
Fund in your local currency.
Banks, remitters and PSPs fund Nilos in any of 20+ local currencies. Nilos converts and settles the other side, so you never buy USD first.
- Fund in 20+ local currencies
- A quote on every payment, from the daily rate card
- Balances per currency, by API and in the dashboard
A status on every step,ready for reconciliation.
Your ops team reads one set of statuses for every country. Nobody chases a bank by email.
Webhooks
Incoming transactions, resolved payouts and new accounts reach your system as they happen.
Dashboard
Every payment, balance and status in one place, for teams outside the API.
Reports and receipts
Reconciliation reports across every rail. A receipt for every payout, and the MT103 for SWIFT.
Live in about six weeks,with compliance in parallel.
Integration takes about two weeks. Compliance onboarding runs alongside it, from day one.
Scope the corridors
We map the countries, rails, volumes and documents you need.
Compliance onboarding
We run KYB on your company. If you are regulated, we rely on your KYB for your clients.
Sandbox integration
Your team builds accounts, quotes, payouts and webhooks in the sandbox.
First live payments
You send a first set of live payments on each corridor. We check them with your ops team.
Go live
Full volume, with a status on every payment.
Questions on the flowfrom ops teams.
Do we have to pre-fund in USD?
No. Fund in any of 20+ local currencies, and Nilos settles the other side.
How long until we go live?
About six weeks. Integration takes about two weeks, and compliance onboarding runs alongside it.
Do we get a receipt for each payment?
Yes. A webhook carries the paid status and the rail reference. SWIFT payments include the MT103.
Where does client money sit?
In segregated client accounts at licensed partner banks. See compliance for the setup in each market.
Show us your flow.We'll map it step by step.
Send us your corridors and volumes. We'll show you the rails, documents and go-live timeline.