Every category where a model named Nium for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.

Category	Function	Share	Rank	Negative rate	Labels	Quadrant	Since September 2026
Cross-border payments and FX	Treasury and cash	0%	16 of 87	0%	9	under 10 labels · led by Wise Business at 39%	=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.
Payment orchestration platforms	Receivables and billing	0%	42 of 81	0%	1	under 10 labels · led by BlueSnap at 18%

Movement

Since September 2026, Nium held within the floor in all two categories: no change cleared 10 points.

Best category · Cross-border payments · by segment

Small business=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.

0%from 0% in September 2026

Inside the floor by 10 pointsRank 51 → 17 of 60

Mid-market=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.

0%from 0% in September 2026

Inside the floor by 10 pointsRank 19 → 15 of 82

Enterprise▲+2Since September 2026: 3% → 4%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.

4%from 3% in September 2026

Inside the floor by 8 pointsRank 7 → 8 of 82

All categories · Mid-market

Category	September 2026	Now	Change	Reading	Rank
Cross-border payments	0%	0%	=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.	Within noise	Rank 19 → 16 of 87
Payment orchestration	0%	0%	newNew since September 2026: not ranked then, 0% now.	New this edition	Rank 42 of 81, unchanged

Shares here are read over the models both editions asked, so they can differ by a point or two from the standing above, which counts every model in this edition.

The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. How the floor is measured · The editions

By model

How each model treated Nium across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.

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Model	Alternative	Mention	Labels
Claude Haiku 4.5	0	0	0
GPT-5.4 mini	0	0	0
Gemini 3.5 Flash	2	0	2
Perplexity Sonar	0	1	1
Grok 4.1 Fast	0	3	3
Mistral Small	2	0	2
DeepSeek V4 Flash	0	0	0
Llama 4 Maverick	0	0	0
Qwen 3.7 Flash	0	0	0
Kimi K2	0	0	0
GLM 4.7 FlashX	2	0	2
MiniMax M2.5	0	0	0
GPT-6 Luna	0	0	0
Muse Glimmer 30B	0	0	0

By framing

Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.

FramingLabels by classFirst choices

Direct7 labels1

Paraphrase0 labelsNone

Comparative12 labelsNone

Budget-constrained3 labels1

Scale-constrained3 labelsNone

Negative1 labelNone

First choiceAlternativeMentionNegative26 labels in all, every segment counted; 2 of the 2 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.

What the models said for it

Verbatim evidence the judge attached to positive labels.

“Look at: Stripe, Nium, or Thunes. ... built for developers to programmatically move money globally” Gemini 3.5 Flash · Cross-border payments · scale prompt · alternative

“If you require the widest global reach and real-time payments, Nium stands out.” Mistral Small · Cross-border payments · direct prompt · alternative

“Best for: Institutional use (banks, payroll platforms, EOR providers).” Mistral Small · Cross-border payments · comparative prompt · alternative

“Nium for treasury teams needing integrated cross-border payments” GLM 4.7 FlashX · Payment orchestration · direct prompt · alternative

And against it

Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.

No model argued against it.

Named alongside

The products named in the same answers as Nium, over the 26 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Nium was named but was not.

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ProductSame answerTook the first choice insteadHead to head

Airwallex25 of 2610Not among the top eight

Wise Business17 of 267Not among the top eight

Stripe15 of 260Not among the top eight

Adyen14 of 263Not among the top eight

Tipalti13 of 263Not among the top eight

Payoneer12 of 260Not among the top eight

Thunes11 of 260Not among the top eight

Rapyd7 of 260Not among the top eight

Convera6 of 261Not among the top eight

Corpay Cross-Border Payments4 of 260Not among the top eight

A head-to-head page exists where both products are among a category's top eight. The other rows are the same fact without a page behind them, so they link to the product instead.

What carried it into the answer

The sites and pages cited by the answers that named Nium. A fact about retrieval, not a lever on the model.

Citations exist only for the models that return a source list, five of the fourteen in this edition, so these counts come from 26 of the 26 answers that named Nium and are not a share of its labels.

Domains cited

airwallex.com21

highradius.com17

walletinvestor.com15

connectpay.com13

theindustryleaders.org13

wise.com13

tipalti.com12

guideflow.com11

payoneer.com9

xtransfer.com8

132 of the 132 domain citations in answers naming Nium came from somebody else's page.

Pages cited

airwallex.com/en-us/blog/cross-border-payment-services-solutions17

highradius.com/resources/Blog/best-cross-border-payment-platforms15

theindustryleaders.org/post/10-best-b2b-cross-border-payment-solutions-ranked-and-reviewed13

tipalti.com/blog/cross-border-payment-platforms11

walletinvestor.com/news/finance-news/top-cross-border-payment-platforms11

guideflow.com/blog/cross-border-payments-software10

connectpay.com/blog/cross-border-payments-companies9

dashdevs.com/blog/top-cross-border-payments-companies6

Pages are listed as the models cited them.

Search and answers

nium.com ranks first on Google for the category's searches. In the answers, Nium takes 0% of first choices and Wise Business takes 39%.

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In search

Google, US estimates

Position for “cross-border payment platforms”

Position for “cross-border payments platform for businesses”

Searches for its name, Google: 1,600 a month (“nium”)
AI search demand for its name, est.: 58 a month
Organic visits to its site: about 6,078 a month
Searches its site ranks for: 1,409 · 49 in the top three
Sites linking to it: 2,731
Paid Google search: No ads found in the estimate; that does not mean it runs none

Ads on Google

None found in Google's ad transparency records for the US

In answers

This edition

Share of first choices

rank 16 of 87 in cross-border payments

Segment leader

39%

Wise Business

First choices: 2 across its categories
Named in: 26 answers
Its own site cited: in 26 of the answers that named it

Search figures are US estimates from DataForSEO, read September 28, 2026; AI search demand is its modeled, directional estimate, not a count of queries to any assistant. The answers are this edition's. Two measurements side by side: neither is read as the cause of the other.

What it publishes

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Addresses on nium.com

2,287

subdomains included

Content

534

counted in the table below

Documentation

498

Product · Integration

8 · 0

Kind	Pages	Last 90 days	Latest	Categories named
Blog	168	undated		Expense management, Spend management platfor
News or press	149	0	2021-11-03	Corporate cards
Glossary or explainer	139	undated		Corporate cards
Conference or event	29	undated
Report or ebook	22	undated
Case study	16	undated
Webinar or virtual event	5	undated
Comparison	3	undated
Podcast or video	2	undated
Template or tool	1	undated

Most recent

2021-11-03Krungsri partners with nium to expand international transfer offerings news or press

Events in person

Upcoming

October 18, 2026 to October 21, 2026Money20/20 USA 2026The Venetian, Las Vegas, United States · exhibits
October 19, 2026The High TablePalms Place Villa, 59th Floor, Las Vegas, United States · hosts

Last twelve months

reported September 2026Web Summit in RioRio · attended
October 28, 2025Global Payments Race: Redefining B2B and Fintech Strategies in a Borderless EraThe Converge Stage · spoke
October 28, 2025Join us at our exclusive Women in Fintech BreakfastCanonita, Las Vegas · hosted
October 26, 2025 to October 29, 2025Money 20/20 USA 2025The Venetian Resort, Las Vegas, United States · attended
October 26, 2025 to October 29, 2025Join us at Meeting Room MR2202Meeting Room MR2202, The Venetian Resort, Las Vegas, United States · exhibited

As the event pages on nium.com state them, read September 28, 2026.

How it is countedHide how it is counted

Every page nium.com exposes, subdomains included. Kind is read from the address and title. The last 90 days, the latest date and the twelve months count pages by when they were published, from the site's feeds, a date in the address, or the page's own publication date, read from up to a hundred of its most recently changed pages; a page that says only when it last changed is counted in its kind but not in when, so the recent counts are a floor, and a kind none of whose pages gives a publication date reads undated. An event counts as online when its address or title says so (webinar, on demand, virtual or online summit); a conference, summit, trade show, expo or roadshow that does not say so is counted as a conference or event, which on a vendor's site is mostly in person. Read September 29, 2026.

Names read as Nium

What the judge wrote, as written, with how often. The vendor table decides that these count as Nium; a claim can dispute any of them.

Nium (formerly Instarem) 1

Follow Nium

An email the morning each edition publishes: where this product moved, where it held, and by how much against the noise floor. One address, confirmed by a click; a stop link in every email.

Already following? Everything you follow, with a stop for each.

The company

Nium is its own company.

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In its own words

Stated by the vendor, not checked

Positioning: Global payments infrastructure for real-time cross-border payouts to 190+ countries, card issuance, stablecoin-backed cards, and FX through one API.
nium.com
For: Businesses, financial institutions, global enterprises, and platforms
nium.com
Certifications: PCI DSS compliantGDPRISO/IEC 27001SOC 2 Type 2SOC 1 TYPE 2CCPA CompliantGDPR compliant
Customers named: EburyKinexys by J.P. MorganMashreq BankWeelCadanaOuribankAlawneh ExchangeOZ Câmbio
Not stated on the pages read: Price, starting price, free plan or trial, integrations, hosting

What Nium's own pages state, read September 28, 2026: nium.com, nium.com/products/global-fx, nium.com/customer-stories, nium.com/partners. A claimed page can correct any of them.

Is this your product?

Claim this page

Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Nium's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Nium, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.

What a new claim receivesHide what a new claim receives

A new claim receives the current edition's vendor brief for Nium by email, built from the raw record of the edition. It shows:

where Nium is named, by buyer and by framing, and which cells hold its first choices;
the claims the models make when they name it, ranked, with the strongest and the weakest quoted;
its vocabulary against the segment leader's, and the pages the models cited;
who was chosen in the answers that did not name Nium, and every reason the record gives;
a battlecard for each top rival: the head-to-head split, why they win, and the reservation quoted against them;
one page of published figures cleared to show a buyer.