NiyoGate provides the infrastructure layer that sits between your business and local banking rails in India, the UAE, East Africa, and West Africa. We handle the hard parts — correspondent banking relationships, FX conversion, regulatory compliance, and last-mile settlement — so you don’t have to build that stack yourself.
We want to be clear about what we are and what we aren’t. NiyoGate is not a bank, not a money services business, and not a payment processor in the traditional sense. We provide the technology platform — APIs, compliance orchestration, FX routing logic, and transaction management tools — that connects your business to licensed financial institutions in each destination corridor. Those institutions hold the banking licences, custody the funds, execute the FX conversions, and initiate the local clearing. Our role is to make that entire process programmable, transparent, and operationally manageable for businesses that need to move money into markets where the banking infrastructure is often fragmented and difficult to access directly.
Understanding exactly where funds sit, who controls them, and how they move through the system.
Four modules that cover the entire cross-border payment lifecycle.
Inbound fund collection starts with a designated account at our regulated banking partner. Your business sends a SWIFT MT103 wire transfer — or, for UAE-origin payments, a local bank transfer — to this account with a unique reference that maps to your NiyoGate client ID. Once the partner bank confirms receipt and clears the funds (typically T+0 for local, T+1 for international wires), the amount is credited to your NiyoGate ledger and becomes available for conversion and payout. We currently support inbound collection in USD (via SWIFT from any global bank), AED (via domestic UAE bank transfer), and GBP (via UK Faster Payments or SWIFT).
FX conversion is where most cross-border payment providers introduce opacity. We took a different approach. Our platform aggregates indicative rates from regulated liquidity providers in each corridor and presents the best available rate alongside the mid-market benchmark. You see the spread before confirming. Rate locks are available for up to 30 seconds on standard pairs — which is generally enough to confirm a batch or individual payout via API. For larger transactions or recurring volume, we can arrange forward rate agreements through our banking partners. All conversions are executed by the licensed institution, not by NiyoGate.
Once FX conversion is confirmed, the partner bank initiates local clearing through the appropriate domestic payment rail. In India, that means UPI for instant small-value transfers, IMPS for 24/7 interbank settlement, NEFT for hourly batch clearing, or RTGS for high-value real-time gross settlement. In Kenya, it’s M-Pesa for mobile money or direct bank credit via the CBK clearing system. In Nigeria, NIP (Nigeria Instant Payment) handles interbank transfers. In the UAE, the IPP (Immediate Payment Platform) or standard domestic bank transfer applies. The choice of rail is determined automatically based on the transaction amount, recipient type, and urgency — though you can override this via the API if you have a preference.
The management layer is what turns individual payment operations into a scalable process. Our dashboard provides real-time visibility into every transaction: initiated, compliance-screened, FX-converted, settled, or failed. You can filter by corridor, date, status, or beneficiary. Reconciliation reports are available in CSV and PDF, mapped to your internal reference numbers. Webhook notifications fire on every status change, so your internal systems stay in sync without polling. For teams that need it, we provide a full audit trail for every transaction — including the compliance screening results, the FX rate applied, the banking partner reference number, and the local clearing confirmation — which is exactly what auditors and regulators ask for during reviews.
The compliance framework that underpins every transaction on the platform.
Real operational scenarios from businesses that need reliable cross-border payment infrastructure.
A garment manufacturer in Tirupur exports to buyers across the GCC and Europe. Historically, collecting against each invoice meant dealing with unpredictable SWIFT fees, slow correspondent banking chains, and poor FX rates on incoming conversions. With NiyoGate, the manufacturer provides buyers with a designated USD collection account. When a SWIFT payment arrives, funds are converted to INR at a transparent rate and settled to the manufacturer’s bank account via RTGS — typically within the same business day. The finance team gets a single reconciliation report matching each inbound wire to the corresponding invoice number.
A Dubai-based commodity trader sources from 35+ suppliers across India. Each supplier has different banking details and invoicing terms. The trader uploads a CSV batch file through the NiyoGate dashboard with each supplier’s bank account, IFSC code, invoice reference, and amount in INR. NiyoGate converts AED to INR via the partner bank, screens each beneficiary against sanctions lists, and disburses to each supplier via IMPS or NEFT depending on the amount. The entire batch — typically 35 to 50 payments — settles within hours, and the trader receives a downloadable reconciliation report that maps to their AP ledger.
A London-based consulting firm employs 60+ research analysts and data specialists in Nairobi on contract terms. Payroll runs bi-weekly. The firm transfers GBP to their NiyoGate collection account, which converts to KES and disburses to each contractor’s bank account or M-Pesa mobile money account — depending on their preference. The compliance dashboard maintains a record of each beneficiary’s KYC status, and the platform generates the transaction documentation that the firm needs for its own regulatory reporting obligations in the UK.
A US-based technology company runs a 40-person customer support operation in Lagos. Monthly operational funding — salaries, office rent, vendor payments — needs to arrive reliably and on time. The company sends a single USD wire to its NiyoGate collection account, then schedules individual payouts to each employee and vendor in NGN via the NIP (Nigeria Instant Payment) system. Each payout is individually screened, and the platform generates a per-transaction audit trail that satisfies the company’s internal compliance requirements and its obligations under US anti-money laundering regulations.
NiyoGate is built for established businesses with legitimate cross-border payment needs.
Our onboarding process includes a detailed review of each applicant’s business model, operating jurisdictions, and expected transaction profile. We reserve the right to decline applications that fall outside our risk appetite or the acceptable use policies of our banking partners.
Full business and beneficial owner verification at onboarding
Real-time transaction monitoring and SAR reporting
Annual third-party security and controls audit
End-to-end encrypted data in transit across all endpoints
All payments are processed through compliant banking rails operated by institutions authorised by the Reserve Bank of India, Central Bank of the UAE, Central Bank of Kenya, and Central Bank of Nigeria. NiyoGate operates exclusively as a technology and infrastructure provider.
Discuss your payment corridors, compliance requirements, and integration timeline with our team.