Move money in and out of Africa 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.
Moving money with Nilos
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.
Proven at scale.
What moves through Nilos each year, and how reliably it lands.
$2B+
processed a year
1M+
payments processed
99.97%
success rate
80+
currencies on local rails
Five products, one integration.
Collect, pay out, open accounts, pay suppliers and convert through one API. Turn on what you need.
Collect
Local rails where your volume is. SWIFT for the rest.
Collect on local rails in Africa, Europe, the US, the UAE and Latin America. Pay out in 100+ local currencies, or over SWIFT.
See full coverageAfrica
NGN
XOF
XAF
KES
TZS
Soon
RWF
Soon
Global
EUR
GBP
USD
AED
BRL
MXN
Follow one payment from Lagos to Alipay.
Lock the rate, then pay on local rails or SWIFT. Each step sends a status, from quote to receipt.
See how it works1
Quote
You request a quote by API. It shows the FX rate and rail fee before you send.
2
Compliance
Nilos screens the sender and the beneficiary. If you are regulated, we rely on your KYB.
3
Route
Nilos picks the local rail, such as bank transfer or M-Pesa. SWIFT covers the rest.
4
Settle
A licensed partner bank settles in local currency, in your client's name where the rail allows.
5
Receipt
A webhook sends the paid status and rail reference. SWIFT payments include the MT103.
Client money kept apart. Controls audited.
Your compliance team will ask where money sits, who runs KYB and how data is protected.
See licences and partnersMoney · KYB · Data
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 questions we 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.
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.