Provided I'm understanding you correctly, yes. If you are on 4.5 right now, you need to update to 9.2 in order to play newer games. You either need to update your sysnand, or you need to use a Gateway and update your Emunand. If you update to 9.2, install ninjhax, and then install pasta CFW, that should get you what you want. Keep in mind ninjhax requires the game Cubic Ninja in order to work (and PastaCFW requires Ninjhax).
Both are referencing your 3DS's "NAND". Which, in short is the critical system file structure, that holds things like the firmware, NNID, home screen theme and layout, etc. "Sysnand" is referring to the Nand that's included by default with your 3DS (whether or not it's hacked). It's the literal physical piece of hardware/software. If you mess this up, your system is 'bricked' (as in, it won't turn on because it's trying to boot from a corrupt/bad sysnand). Gateway (and a few clones) have come out with a way to avoid this problem, by making a "Emunand". Emunand is simply an emulated Nand. It's an exact copy of your Sysnand, but it's stored on the SD card instead. And your system doesn't directly boot to it. So if you mess up the Emunand, nothing bad happens. You can simply re-make the Emunand and be on your way. AFAIK, Gateway's software (and some clones like MT-card) is the only way to make an Emunand. You can freely update the Emunand into newer versions (like 9.7). Go to the Gateway-3DS website for a bit more information on how to set up the Emunand, if that interests you.
Cubic Ninja has a level editor in the game, which generates levels based on QR codes. One crafty user has exploited this system by making his own QR codes (not through the game) that happen to exploit the game's functions, and overwrite the save file. This means your cubic Ninja save is trash, but I don't think anyone cares about it
. The idea is to use the save file/level editor as an entry point to run our own code. Ninjhax is the name of this exploit. From there, Ninjhax boots into a Homebred-Channel (similar to what the Wii does). At the moment, Ninjhax is one of the only exploits we have. IIRC, there's also the MSET exploit (which requires a DS flashcard or some other exploit to set up), and there's the Browser exploit, which is used for Gateway's 9.2 entry. Ninjhax is reliable because it doesn't rely on a specific firmware version. The exploit works up to 9.2, and further support for newer FWs is being added. It also is the first big exploit to allow home-brew software. So lots of people hopped on board with it. PastaCFW (and I think NTR CFW) uses this exploit as an entry into the system, instead of relying on the MSET or browser exploit.
Here's the options you have for installing/running CIA files:
1. Stay on 4.X and use Palantine's CFW. You are limited to a certain selection of games, and need to set up Emunand in order for this to run.
2. Buy a gateway card and either update to 9.2, or stay on 4.X and install Emunand (Gateway recommend you use Emunand regardless).
3. Update to 9.2 and use Cubic Ninja to boot into PastaCFW.
That's pretty much it. Only PalantineCFW and PastaCFW can run CIAs without a 3DS Flashcard. Both are free, but Pasta requires Cubic Ninja while Palantine requires the MSET exploit (which mostly requires a regular DS flash card to set up, but can be set up some other ways as well). Gateway is the most expensive, but is guaranteed to have support, and has a continually updated Emunand (meaning you can always boot into the latest firmware).
Alternatively, if you simply said "CIA" because you thought that was a 3DS rom, and your real goal is to just play 3DS games, you might be interested in Sky3DS, which is another 3DS Flashcard. This one doesn't run CIA files at all, and can't run home-brew. Instead, it spoofs itself as a legitimate 3DS game and loads .3DS files. I'm not too familiar with this card, but I know it supports Sysnand 9.7. Which no other exploit/flashcard does. This is because it's not actually exploiting the system, but just spoofing itself into a legitimate card.
Unfortunately the options are pretty slim for people who don't wish to spend any money. I'd definitely recommend picking up Cubic Ninja if you are at all interested in this stuff, since it seems to be becoming a hot item. PastaCFW seems to be the next big thing in 3DS hacking, so I'd expect a lot of support to be heading that way.