Niural Wallet is a secure multi-currency wallet built directly into the Niural platform. It allows businesses to fund payroll and payments quickly, while giving workers flexibility in how they receive, hold, and withdraw their earnings across the globe. By removing the delays of traditional bank wires and intermediaries, the wallet helps employers reduce failed payments, cut down conversion costs, and ensure money gets to the right place on time.
Every transaction in Niural Wallet is backed by double-entry accounting, which means balances are always accurate and fully auditable. This makes the wallet not only fast and convenient but also compliant with financial reporting standards.
How the wallet works
Once your company is verified on Niural, a wallet is automatically created for you. By default, your wallet starts in USD, but support for additional currencies is being added so you can manage local payments more easily.
When you log in, you will see two balances in your wallet:
- Available balance, which shows the funds you can use right away
- Pending balance, which shows funds that are still processing, such as new top-ups or payments that are being settled
Your wallet starts with zero balance. Once you add funds, they will appear first as pending and then move to available once settlement is complete. From there, you can use the balance for payroll, invoices, or transfers.
Managing your wallet
The wallet section in Niural gives you a clear overview of your financial activity. Under My Wallet, you can view total balances across all currencies, see how much is available to spend, and check recent transactions.
The Wallet Transactions page provides a detailed ledger across currencies, making it easy to track funding, payments, and transfers in one place.
If you are using Niural products such as Employer of Record (EOR) or Agent of Record (AOR), you may also need to set aside a security deposit. These deposits are tracked separately in the wallet, with full visibility into the worker name, contract, start date, and deposit amount.
Adding funds and payment methods
You can fund your wallet by connecting a bank account or a digital currency wallet. When your balance is low, these payment methods can also be used directly for outgoing payments. Niural shows real-time FX rates and any fees before you confirm a transaction, so you always know the exact cost.
Currencies supported
USD is the default currency in Niural Wallet. Over time, you will be able to set up additional currencies to match the regions where you operate. Each currency can be enabled or disabled from your wallet dashboard, giving you control over how funds are stored and spent.
What you can do with Niural Wallet
With Niural Wallet, you can:
- Add and hold funds in supported currencies
- Pay employees and contractors globally
- Make invoice payments
- Transfer funds between balances
Niural Wallet is the central hub for all payments on the Niural platform. It helps employers move money quickly and transparently while giving workers more control over how they access their earnings. With compliance built into every transaction, the wallet is designed to be both flexible and reliable for global payroll and payments.