Nilos

Nilos is a cross-border payments company that provides payment infrastructure for emerging markets, enabling businesses to collect, convert, and pay out funds across 120+ countries with same-day settlement. The platform offers multi-currency accounts, exotic FX liquidity, local payout rails, and digital asset accounts supporting stablecoins. Nilos connects directly to local payment rails and mobile money systems in Africa, LATAM, and Asia, eliminating the correspondent banking chains that typically cause 3-5 day settlement delays. The platform reduces FX costs by up to 50% by sourcing liquidity in real-time through an extensive partner network, finding optimized conversion paths for exotic currency pairs. Nilos serves import/export merchants, global corporates, and fintechs, providing a single API for cross-border money movement with automated reconciliation and real-time payment status visibility. Founded in 2021 and headquartered in Tel Aviv, Israel, Nilos has raised $5.2 million in seed funding from investors including Viola Group, Mensch Capital Partners, Fabric Ventures, and Motier.