Nium expands treasury infrastructure to route fiat and stablecoin liquidity across more than 40 markets

Nium is pushing its treasury stack toward a model where cross-border liquidity can move across traditional fiat rails and digital asset networks without pre-funding. For PSPs and FIs, the point is simple: if you can settle at delivery instead of parking cash in nostros and correspondent accounts, you free up working capital that has been trapped by old settlement plumbing.

1. Nium says the initiative is designed to let financial institutions route liquidity dynamically across traditional and digital asset networks, using its treasury infrastructure to connect fiat routing with digital asset settlement layers.
2. In an interview with The Fintech Times, Santhosh Srinivasan, Nium’s vice president of treasury, tied the shift to US legislative progress around the CLARITY Act. He said the GENIUS Act moved institutional thinking from “let’s experiment” to “let’s integrate,” and argued that the next market-structure framework removes the remaining governance hurdles for Tier-1 banks.
3. The practical bottleneck, as Srinivasan framed it, is capital efficiency rather than payment speed. He cited approximately $27trillion to $30trillion sitting idle in global nostro and correspondent banking accounts just to make cross-border payments clear across different time zones, with batch settlement windows, cut-off times, and reconciliation delays doing the rest of the damage.
4. Nium’s answer is to combine real-time treasury data with regulated on- and off-ramps, and to fund cross-border payouts via stablecoins while settling in either fiat or USDC at the point of delivery. That removes the need to pre-fund accounts, which is the part treasury teams usually feel in the balance sheet.
5. On compliance, Nium says screening, sanctions, and AML controls run before a payment is routed to any network, rather than being bolted on later. The company says it uses directly licensed infrastructure across more than 40 markets and works with regulated digital asset entities including Circle and Coinbase to keep the risk profile of on-chain legs aligned with traditional fiat flows.

For high-risk merchants and PSPs, the useful bit here is not the blockchain branding. It is the combination of settlement timing, compliance placement, and access to licensed infrastructure across multiple markets. That is the triangle that decides whether a corridor can actually be operated at scale, or whether it just looks good in a slide deck.