Cross-Border
2 technical briefings from 2 companies building cross-border infrastructure.
Geoff Greenberg
Nium is a B2B money-movement platform supporting 190 currencies and moving into crypto rails including Stellar, Polygon, Ethereum mainnet, the Lightning Network, and Bitcoin. The demo focuses on Nium\'s Stellar integration for stablecoin (USDC) payouts. Login uses Stellar\'s sign-a-secret flow (challenge → wallet signature → JWT) so there are no usernames or passwords. Nium creates a second participant on Stellar testnet, validates the destination routing number (the same validation used for fiat rails), and sends $0.20 USDC — recording the transaction on Nium\'s side, broadcasting to Stellar, and reflecting the debited balance in seconds. The product positioning: Nium is the pipes connecting fiat and digital-asset rails, giving people more control over what/when/how/where their money moves.
YAP is an API platform that sits between banks and businesses across Asia — think Marqeta-adjacent, but covering processing plus full retail-bank orchestration across five to seven Asian markets (roughly 300 fintechs in India today). The briefing walks through YAP's granular API catalogue (wallet / card issuing, multi-currency travel, neo-banking primitives) and a real YAP-powered product: PaisaBazaar's Step-Up credit card, an Indian credit-builder card where customers book a fixed deposit and 80% of the FD becomes the starting credit limit. The demo covers Indian identity verification (PAN, Aadhaar share-code, UIDAI OTP), UPI penny-drop account verification, instant issuance of both virtual and physical cards, and the card-control API for toggling channels, setting limits, and delivering statements as PDF or JSON for custom branding.