Nium

Nium is a global payments infrastructure platform for cross-border payouts, collections, FX, and card issuing. Serves financial institutions, fintechs, and corporates with a single API.

Nium is listed with 6 APIs on the APIs.io network. Tagged areas include Fintech, Cross-Border, Payments, Foreign Exchange, and Issuing.

Nium’s developer surface includes engineering blog and 5 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

7.2/100 minimal ▬ flat Agent 1/100 human only Front door AI 1/6 silent Heartbeat 100/100 alive Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessEnterprise

6 APIs

Fintech Cross-Border Payments Foreign Exchange Issuing Cross-Border Payments

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 7.2/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 0.7 / 17

Operational Transparency 0.5 / 11

Contract Governance 0.0 / 10

Discoverability 5.3 / 9

Regulatory Posture 0.0 / 15

Agent readiness — 1/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document Ask about this →
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey) Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points Ask about this →
Access Clarity scores 4.3 — up to +19.1 composite points Ask about this →
Developer Ergonomics scores 11.9 — up to +17.6 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/nium/apis.yml: open an issue on github.com/api-evangelist/nium to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
RegTech, AML/KYC and Money Transmission	regulated	57.5	-	-
Gulf and Southeast Asia Open Finance	regulated	57.5	-	-
EU/EEA Payment and E-Money Institutions (PSD2 passports)	regulated	57.5	-	-
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	regulated	57.5	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 6

Individual APIs this provider publishes, each with its own machine-readable definition.

Nium Payout API

Cross-border payouts to bank accounts, cards and wallets in 220+ countries with real-time delivery in 100+.

Nium Payin API

Accept payments via bank transfers, cards and wallets across 35+ countries.

Nium Wallet API

Multi-currency virtual wallets for storing and managing funds.

Nium Cards API

Issue and manage virtual and physical cards.

Nium FX API

Real-time foreign exchange quotes and conversions.

Nium Onboarding API

KYC/KYB onboarding flows for individuals and corporates.

Nium API pricing

Not yet checked against Nium's own pricing page. Compiled by API Evangelist on 2026-05-08 from www.nium.com/; confirm before you rely on a figure.

Plan	Price
To Be Reconciled enterprise	—

Plan details, limits and sources →

Rate limits

Default: see provider documentation varies

Compiled by API Evangelist, not yet checked against Nium's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Nium Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Nium Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Nium Finops

FINOPS

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Nium Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: nium
url: https://raw.githubusercontent.com/api-evangelist/nium/refs/heads/main/apis.yml
name: Nium
kind: company
description: Nium is a global payments infrastructure platform for cross-border payouts, collections, FX, and card issuing.
  Serves financial institutions, fintechs, and corporates with a single API.
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/nium.png
tags:
- Fintech
- Cross-Border
- Payments
- Foreign Exchange
- Issuing
- Cross-Border Payments
tags_raw:
- Fintech
- Cross-Border
- Payments
- FX
- Issuing
- Cross-Border Payments
created: '2026-05-08'
modified: '2026-09-16'
specificationVersion: '0.23'
apis:
- name: Nium Payout API
  description: Cross-border payouts to bank accounts, cards and wallets in 220+ countries with real-time delivery in 100+.
  humanURL: https://docs.nium.com/apis
  baseURL: https://gateway.nium.com/api
  tags:
  - Payouts
  - Cross-Border
  properties:
  - type: Documentation
    url: https://docs.nium.com/apis
- name: Nium Payin API
  description: Accept payments via bank transfers, cards and wallets across 35+ countries.
  humanURL: https://docs.nium.com/apis
  baseURL: https://gateway.nium.com/api
  tags:
  - Pay-In
  - Collection
  tags_raw:
  - Payins
  - Collections
  properties:
  - type: Documentation
    url: https://docs.nium.com/apis
- name: Nium Wallet API
  description: Multi-currency virtual wallets for storing and managing funds.
  humanURL: https://docs.nium.com/apis
  baseURL: https://gateway.nium.com/api
  tags:
  - Wallets
  - Multi-Currency
  tags_raw:
  - Wallet
  - Multi-Currency
  properties:
  - type: Documentation
    url: https://docs.nium.com/apis
- name: Nium Cards API
  description: Issue and manage virtual and physical cards.
  humanURL: https://docs.nium.com/apis
  baseURL: https://gateway.nium.com/api
  tags:
  - Cards
  - Issuing
  properties:
  - type: Documentation
    url: https://docs.nium.com/apis
- name: Nium FX API
  description: Real-time foreign exchange quotes and conversions.
  humanURL: https://docs.nium.com/apis
  baseURL: https://gateway.nium.com/api
  tags:
  - Foreign Exchange
  - Currency Conversion
  tags_raw:
  - FX
  - Currency Conversion
  properties:
  - type: Documentation
    url: https://docs.nium.com/apis
- name: Nium Onboarding API
  description: KYC/KYB onboarding flows for individuals and corporates.
  humanURL: https://docs.nium.com/apis
  baseURL: https://gateway.nium.com/api
  tags:
  - KYC
  - KYB
  - Onboarding
  properties:
  - type: Documentation
    url: https://docs.nium.com/apis
common:
- type: Plans
  url: plans/nium-plans-pricing.yml
- type: RateLimits
  url: rate-limits/nium-rate-limits.yml
- type: FinOps
  url: finops/nium-finops.yml
- type: Website
  url: https://nium.com
- type: DomainSecurity
  url: security/nium-domain-security.yml
- url: https://www.nium.com/blog
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Nium API — frequently asked questions

Does Nium have an API?

Yes. APIs.io lists 6 APIs from Nium, including Nium Payout API, Nium Payin API and Nium Wallet API, and 3 more.

How much does the Nium API cost?

APIs.io lists 1 pricing plan for Nium, with each plan's price, limits and inclusions under Pricing on this page.

Is the Nium API ready for AI agents?

Nium has a Kin Score of 7.2 out of 100 (minimal) and an Agent Readiness score of 0.6 (human-only), scored by API Evangelist on 2026-11-13.

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