B2B Payment Infrastructure

Cross-Border Payment
Rails for Emerging
Markets

We handle correspondent banking, FX conversion, compliance, and last-mile settlement — so you don’t have to build that stack yourself.

Schedule a Consultation How It Works
Fiat-Only Settlement Regulated Partners Full KYB/AML
Sample Settlement Flow
Inbound RailSWIFT MT103
Fund CustodianLicensed Banking Partner
FX PairUSD/INR @ 83.42
Outbound RailIMPS / NEFT / UPI
AML Status✓ Screened & Cleared
SettlementT+0 (Same Business Day)

NiyoGate is a Technology & Infrastructure Layer

We provide the APIs, compliance orchestration, FX routing, and transaction management that connect your business to licensed financial institutions. Those institutions custody funds, execute FX, and initiate local clearing. NiyoGate does not hold or control client funds at any point.

How Money Flows

The Payment Lifecycle

Step 1
Your Business
Sends a SWIFT wire or local bank payment to a designated collection account.
Originating Party
Step 2
NiyoGate Platform
Runs compliance checks, determines FX routing, transmits settlement instructions.
Technology & Orchestration
Step 3
Regulated Partner Bank
Custodies funds, executes FX conversion, initiates local clearing.
Licensed Financial Institution
Step 4
Beneficiary
Receives local currency via UPI, IMPS, NEFT, M-Pesa, or bank transfer.
Recipient
Who holds the funds?
Licensed banking institutions — never NiyoGate. Funds flow between your originating bank and our regulated partner.
How does FX work?
We aggregate rates from regulated liquidity providers and show the mid-market rate alongside the applied rate. The banking partner executes the conversion.
What does NiyoGate do?
We’re the operating system: APIs, compliance screening, FX routing, transaction tracking, and audit reporting. Infrastructure, not a financial product.
Platform

Collect. Convert. Pay. Manage.

Collect

Receive funds via SWIFT MT103 (USD), UAE bank transfer (AED), or UK Faster Payments (GBP) into a designated account at our regulated banking partner.

Convert

Aggregated FX rates from regulated liquidity providers with transparent spreads. Rate locks for 30 seconds. Conversions executed by the banking partner.

Pay

Local clearing via UPI, IMPS, NEFT, RTGS (India), M-Pesa (Kenya), NIP (Nigeria), or bank transfer (UAE). Auto or API-specified rail selection.

Manage

Real-time dashboard, webhook notifications, downloadable reconciliation reports, and full compliance audit trail for every transaction.

4
Live Corridors
7+
Local Payment Rails
T+0
Same-Day Settlement
100%
Fiat-Based Infrastructure
Compliance

Institutional-Grade Controls

KYC / KYB Onboarding
Corporate verification, beneficial ownership at 25%+ threshold, source of funds, and risk profiling before API access. EDD for complex structures.
Transaction Monitoring
Velocity anomalies, structuring patterns, counterparty concentration, and profile deviation detection. Alerts triaged within defined SLAs.
Sanctions Screening
Real-time screening against OFAC SDN, EU, UN, and UK HMT lists. Fuzzy matches get human review — no auto-clearing.
Risk-Based Approach
FATF-aligned framework assessing customer, geography, product, and transaction risk. Higher risk triggers EDD and increased monitoring.
Use Cases

How Businesses Use NiyoGate

Export Payments

Indian Manufacturer Collecting from Buyers

Inbound SWIFT payments convert to INR and settle via RTGS same day, matched to invoice references.

SWIFT → USD/INR → RTGS
Supplier Payouts

UAE Trader Paying Indian Suppliers

CSV batch upload, AED/INR conversion, per-beneficiary screening, IMPS/NEFT disbursement within hours.

AED → AED/INR → IMPS Batch
Contractor Payroll

UK Firm Paying Teams in Kenya

Bi-weekly GBP to KES conversion with disbursement to bank accounts or M-Pesa.

GBP → GBP/KES → M-Pesa
Operations Funding

US SaaS Funding Nigerian Operations

Monthly USD wire for salaries and vendors, converted to NGN, settled via NIP with full audit trail.

SWIFT → USD/NGN → NIP
Client Profile

Who We Work With

Businesses We Serve
Exporters and import traders
Professional services firms
SaaS and technology companies
Staffing and outsourcing firms
B2B marketplaces and platforms
We Cannot Support
Sanctioned entities or jurisdictions
Shell entities or nominees
Unlicensed financial services
FATF high-risk jurisdictions
Consumer-to-consumer transfers
Infrastructure

Institutional Standards

KYB/KYC

Full business verification

AML/CFT

Real-time monitoring

SOC 2

Audited security

TLS 1.3

Encrypted in transit

All payments through banking rails operated by institutions authorised by RBI, CBUAE, CBK, and CBN.

Ready to Get Started?

Discuss your payment corridors, compliance requirements, and integration timeline with our team.

Schedule a Consultation View Platform