NIUM

Nium provides a global real-time payments infrastructure for businesses, enabling them to collect, convert, and disburse funds internationally. Their services include multi-currency accounts, global payouts to over 190 countries, and transparent foreign exchange management. Nium also offers card issuance and API integration for seamless financial operations.

Nium offers a comprehensive global payments infrastructure that aligns very closely with Wise's core value proposition. They provide multi-currency accounts, global payouts with real-time capabilities, and transparent FX rates, directly addressing the 'must-have' features. Additionally, they offer API integration, card issuance (similar to a borderless debit card), and solutions for businesses, covering several 'other' features.