# Envestnet | Yodlee vs Nium

| Attribute | Envestnet | Yodlee | Nium |
|---|---|---|
| **vioscaleAI score** | 55.8 (8% (low)) | 41.7 (35% (low)) |
| content.faq | - | `[{"answer":"A payments platform that enables collection, conversion, and distribution of funds globally through bank accounts, cards, and digital wallets. Serves businesses including fintech platforms, marketplaces, and enterprises with API-driven payouts, card issuing, and multi-currency support. It is indexed under Fintech Infrastructure.","source":"https://www.nium.com","question":"What is Nium?","confidence":0.6},{"answer":"Nium does not publish its prices. Pricing is quoted on request, so the figure depends on your seat count and requirements. We record this as a pricing-transparency signal rather than guessing a number. Pricing changes often, so verify at source before relying on it.","source":"https://www.nium.com","question":"How much does Nium cost?","confidence":0.6},{"answer":"We have confirmed browser-based access to Nium. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://www.nium.com","question":"What platforms does Nium support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Nium, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.nium.com","question":"Can Nium be self-hosted?","confidence":0.6},{"answer":"We have independently confirmed GDPR for Nium. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Nium not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.nium.com/privacy/privacy-policy","question":"What security certifications does Nium have?","confidence":0.7}]` |
| deployment.options | - | `{"cloud":true}` |
| description.long | A data aggregation and open banking platform that enables financial institutions, fintechs, and platforms to securely connect consumer and business accounts and access enriched financial intelligence. Yodlee provides account aggregation, transaction data, and analytics to power lending decisions, personalized services, and alternative credit assessment. | A platform that connects payment methods, currencies, and payment rails to enable instant money transfer and settlement across 190+ countries with multi-currency accounts and card services. |
| features.capabilities | `{"capability":"data_aggregation","geo_coverage":"North America","target_segment":"enterprise","data_aggregation":true,"payments_acquiring":true}` | `{"capability":"money_movement","money_rails":"Accounts, cards, wallets","card_issuing":true,"geo_coverage":"190+ countries","baas_accounts":true,"pricing_model":"quote","multi_currency":true,"target_segment":"enterprise","data_aggregation":true,"payments_acquiring":true,"payout_disbursement":true}` |
| integrations.count | 19,000 | 3 |
| integrations.list | `[{"name":"Advisor360°"},{"name":"IGG Software"},{"name":"PayPal"},{"name":"Norton","native":true,"category":"security","direction":"outbound"}]` | `[{"name":"Visa","native":true,"category":"payments"},{"name":"Mastercard","native":true,"category":"payments"},{"name":"USDC","native":true,"category":"payments"}]` |
| market.availability | `{"primaryMarkets":["AU","US"],"availabilityScope":"global","availableCountries":["AU","US"],"notAvailableCountries":[]}` | `{"primaryMarkets":[],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | - | `{"web":true}` |
| pricing | - | `{"type":"quote","sourceUrl":"https://www.nium.com","retrievedAt":"2026-09-03T22:15:06.273Z"}` |
| pricing.model | commercial | quote |
| pricing.price_level | - | unknown |
| pricing.transparent | - | no |
| reliability.status_page | - | yes |
| security.gdpr | yes | yes |
| security.trust_center | https://www.yodlee.com/documentation/yodlee-credit-privacy-notice | - |

## Capabilities (Fintech Infrastructure)

| Capability | Envestnet | Yodlee | Nium |
|---|:--:|:--:|
| **Core** |  |  |
| Primary capability | Data aggregation | Money movement |
| **Capabilities** |  |  |
| Payments / acquiring | ✓ | ✓ |
| Card issuing | - | ✓ |
| Banking-as-a-service / accounts | - | ✓ |
| Data aggregation / open banking | ✓ | ✓ |
| Payouts / disbursements | - | ✓ |
| Money movement rails (ACH, RTP, wire, card) | - | Accounts, cards, wallets |
| **Coverage** |  |  |
| Multi-currency / cross-border | - | ✓ |
| Geographic coverage (countries / regions) | North America | 190+ countries |
| **Compliance** |  |  |
| PCI DSS Level 1 | - | - |
| SOC 1 / SOC 2 attestation | - | - |
| PSD2 / Open Banking licensed | - | - |
| **Developer** |  |  |
| SDK language coverage (Node, Python, Ruby, Java, Go) | - | - |
| **Pricing** |  |  |
| Pricing model | - | Quote / platform fee |
| **Market** |  |  |
| Target segment | Enterprise | Enterprise |

*Source: vioscaleAI. Generated 2026-10-16T05:38:51.783Z. "-" = undocumented, not absent.*