# Nala

Nala is an Asset Manager based in London, United Kingdom.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** London, United Kingdom
- **Region:** Europe
- **Address:** London, United Kingdom
- **Assets under management:** Undisclosed
- **Website:** nala.com
- **LinkedIn:** https://www.linkedin.com/company/nala-fze

## Regulatory record

- **Reports private funds:** No

## About

The global multi-currency account for lives across borders. Receive, hold, convert and send money fast with NALA.

## Sectors

- Financial Technology
- Payments & Transfers
- Infrastructure

## Questions

### How does Nala source and settle its cross-border transfers?

Nala holds customer funds in US dollar-backed stablecoins and settles payouts using a combination of local bank and mobile-money rails, plus stablecoin-enabled settlement via partners. In February 2024 the firm announced a partnership with MoneyGram, giving it access to MoneyGram's global payout network without requiring pre-funded correspondent accounts. This architecture lets Nala deliver 98% of transfers within ten minutes, and instant delivery to mobile wallets in markets like Kenya, Ghana and Nigeria.

### What is the Rafiki API, and does it serve institutional clients?

Rafiki is Nala's embedded-finance API for global payouts and collections. It lets businesses move money across the US, UK, Europe, Asia and Africa, settling in either local currency or stablecoins. The product competes with cross-border payment API providers by offering real-time FX rate transparency and a single endpoint to disburse into multiple developing-market payment systems.

### Which regions does Nala explicitly avoid, and why?

Nala currently supports senders in 20 European countries, the United States and the United Kingdom, and receivers in twelve African and four Asian countries — with plans to expand. The firm does not serve sender corridors originating in most of Latin America, the Middle East, or APAC ex-India and Philippines, though no public policy statement explicitly rules them out.

### How are user funds protected and custodied?

Nala states that user balances are held in US dollar-backed stablecoins, fully reserved and protected by institutional-grade security. The firm has not publicly identified its custody partners or the specific regulatory regimes under which the stablecoin reserves are held.

## Related profiles

- [Posh AI](https://altss.com/profile/posh-ai)
- [Goldfinch](https://altss.com/profile/goldfinch)

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Last updated: 2026-06-03T20:00:00.000Z

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