List of Peer to Peer & Remittance companies in Web3 (2026)

OKX Pay is a smart account payment solution using X Layer network for zero-fee stablecoin transfers. The system enables instant USDC and USDT transactions through multi-signature authentication, supporting peer-to-peer payments via phone numbers, email addresses, QR codes, and payment links. The platform includes merchant payment capabilities through GrabPay SGQR integration in Singapore, converting stablecoins to local currency. Users can bridge assets from Ethereum, TRON, Arbitrum, Base, Avalanche, and Optimism networks.

Krak is a peer-to-peer payment infrastructure with crypto and fiat rails, enabling instant cross-border transfers using Kraktag identifiers. The system supports multiple assets including cryptocurrencies, stablecoins, and fiat currencies while providing automatic earning opportunities on account balances.

Binance P2P operates a peer-to-peer marketplace enabling direct cryptocurrency trades between users through advertisement-based matching. The platform integrates escrow services for transaction security while supporting over 1000 payment methods across 100+ fiat currencies with zero trading fees and dispute resolution mechanisms.

Bitget P2P enables peer-to-peer cryptocurrency trading with fiat currencies through multiple payment methods. The platform facilitates direct transactions between buyers and sellers with escrow protection.

Bybit Pay is a cryptocurrency payment platform that enables users to spend digital assets like cash through scanning QR codes, sending peer-to-peer transfers with zero fees, and purchasing gift cards and mobile top-ups from merchants worldwide.

Bridge facilitates cross-border payments using stablecoins, allowing businesses to send funds globally with instant settlement and reduced FX costs.

Onmeta Cross-Border Payouts enables global platforms to disburse INR payments using stablecoin settlements, handling local off-ramps, compliance, and INR delivery while clients manage wallet operations.

Bity Payments is an international remittance service utilizing stablecoins for cross-border fund transfers with 24/7 settlement in minutes. The service targets users requiring international money movement including students abroad, international investors, and businesses, offering cost savings compared to traditional banking methods.

Bitpanda Pay enables EUR-based money transfers to any IBAN across the European Union and beyond through verified Bitpanda accounts. The system facilitates bill payments, peer-to-peer transfers, and cross-border remittances with two-factor authentication security and user-friendly interface design.

DashPay implements username-based payments through Dash Platform, enabling user-friendly transactions without complex addresses. The system integrates contact lists and social features while maintaining the security of the underlying Dash network.

NoOnes P2P Trading enables direct cryptocurrency transactions between users through escrow services, supporting multiple payment methods and serving as the core marketplace functionality.

Peer is a mobile payments application that enables global peer-to-peer money transfers and remittances, targeting unbanked populations with free instant transfers and with additional features including gift card purchases, phone refills, and reward programs.

PDAX Remit facilitates cross-border money transfers through blockchain technology, enabling businesses and individuals to send funds to Philippine bank accounts and e-wallets. The system supports multiple digital assets for settlement with lower fees than traditional remittance channels.

reply.cash is a remittance platform that converts stablecoins into local currency payments on mobile money networks and banking rails across Africa. Users connect a self-custodial Solana wallet, enter recipient phone numbers or bank account details, and the platform routes USDC or USDT through integrated payment operators for real-time settlement. Cross-chain topup supports deposits from multiple blockchain networks.

Pay(ID) is a universal stablecoin payment identifier that enables users to receive any stablecoin from any blockchain using human-readable identifiers. The system resolves payments through programmable routes and cross-chain infrastructure.

Due Transfers is a cross-border money transfer service to send funds using local payment methods in many countries, with instant transfers in USDC and EURC and local currency settlements via rails such as SEPA, ACH, mobile money, and crypto wallets.

Reap Pay facilitates cross-border payments by accepting stablecoin deposits and converting them to local fiat payments globally. The system supports USDC and USDT for funding and enables transfers to multiple countries without traditional banking infrastructure.

Through Cross-Border Payments, Payhound facilitates international transfers through crypto-to-fiat conversion, enabling mass payouts and vendor payments without local banking requirements. The system supports CSV uploads and API integration for high-volume cross-border settlements.

BiYaPay Remittance provides international money transfer services with same-day delivery to bank accounts globally. Users can send money using digital currencies or fiat, with local transfer support in multiple countries.

DexPay provides peer-to-peer crypto-to-fiat exchange through smart contract escrow services, enabling direct trading between users while maintaining self-custody wallet integration and transparent settlement processes.

CryptoPay is a WordPress plugin that implements peer-to-peer cryptocurrency payment gateway functionality, enabling direct wallet-to-wallet transactions without intermediaries or commission fees. The plugin supports Bitcoin, Ethereum, Solana, Tron, and all EVM-based blockchain networks, providing native WooCommerce integration and API connectivity for additional WordPress plugins.

Global Pay facilitates international money transfers with same-day processing to multiple countries. The system supports stablecoin-to-fiat conversion and traditional fiat transfers with flat-rate fees and real-time exchange rates.

Kredete App is a financial platform enabling African immigrants to send money to their countries, build credit through international transfers, and access USD banking with FDIC-insured accounts. The system integrates stablecoin technology for secure cross-border payments while reporting transactions to credit bureaus for credit score improvement.

Peanut protocol is a peer‑to‑peer crypto payments app for sending money to friends and family across borders with low fees. It supports deposits and withdrawals with passkey sign‑in and simple flows to send or receive funds. Developers can integrate Peanut payments through an SDK and API to embed transfers in their apps.

Alfred Pay Platform provides cross-border payment infrastructure through stablecoin rails, enabling businesses to send money, collect local payments, and convert between fiat and digital currencies across Latin America. The system supports real-time settlement, API integration, and last-mile delivery to bank accounts.

Finna Waya is a global payment service that enables users to send and receive payments to any bank account worldwide. The platform offers lightning-fast processing with low fees, facilitating instant cross-border money transfers. Currently in development, Finna Waya aims to provide a comprehensive solution for international remittances and global payment processing, expanding Finna's ecosystem beyond lending and currency exchange services.

An instant, zero-cost transfer network within the Deus X Pay ecosystem that enables real-time cryptocurrency settlements between clients using unique NeXus IDs for cross-border and inter-company transfers.

Cross Border Payments enables international fund transfers through MXNB stablecoin conversion, supporting instant settlement between USD and MXN-backed tokens. The system facilitates remittances and business payments across Latin American markets.

Orbi Pay facilitates instant cryptocurrency transfers between Orbi users without network fees. Users can send and receive payments using usernames instead of wallet addresses.

Fin facilitates high-value cross-border stablecoin payments through unified USDC balance architecture on Solana, enabling instant transfers to other users, bank accounts, and crypto wallets. The platform automatically handles bridging, swapping, and gas fees across multiple stablecoin types and blockchains while maintaining transaction composability.

Send by Anclap is an in-development service to send and receive money between the US and Colombia using blockchain technology.

Architecton P2P Market enables peer-to-peer token exchange where users independently set asset valuations for trading TON blockchain tokens. The market facilitates direct user-to-user transactions without centralized order books.

Bingtellar provides cross-border payment infrastructure, currency exchange, crypto-to-fiat conversion, and virtual payment solutions for global citizens across Africa and beyond.

Velaro is a B2B stablecoin payment service for Latin America with built-in compliance and performance-guarantee escrow, enabling fast USD settlement while avoiding traditional banking delays.

Oneremit is a fiat cross-border payment platform for businesses that handles international payouts with competitive FX and KYC/AML controls.

Cueva P2P Platform implements decentralized escrow through smart contracts on Fuse Network, enabling direct cryptocurrency-to-fiat trading between users. The system provides email-based wallet creation, automated escrow management, and dispute resolution mechanisms while supporting multiple payment methods and maintaining user privacy.

Monica enables crypto-to-fiat conversions, bill payments, and financial services through a mobile application, supporting Bitcoin, USDT, and Ethereum conversions to Nigerian naira while providing airtime purchases, utility bill payments, and gift card access.

ScaleX Global Payments facilitates cross-border cryptocurrency transfers by converting crypto into recipients' local currencies through secure transfer processes.

Farcash is a phone-number-based payment app and wallet for users to send, receive, and manage USDC with instant funding options and one-tap payments at participating businesses.

SRD Exchange enables peer-to-peer USDT-INR trading in India through UPI and cash deposit methods without KYC requirements. Built on Binance Smart Chain, the platform matches buyers and sellers directly while providing escrow protection against scams and covering transaction gas fees. The cash deposit option guarantees no bank account freezes, facilitating secure cryptocurrency-to-fiat conversions through a decentralized marketplace.

BCRemit Money Transfer facilitates cross-border remittances through USDC blockchain integration, enabling transfers to Philippine bank accounts, e-wallets, and cash pickup locations. The system processes transactions using Circle's USDC stablecoin for faster settlement while maintaining traditional user interfaces.

BeeTransfer Exchange Platform provides currency conversion services for digital wallet balances, enabling users to exchange USD from Skrill, Neteller, Wise, and Payoneer to Argentine Pesos or cryptocurrency. The system processes transactions through fiduciary partnerships and payment service providers for regulatory compliance.

CPayant Payment Platform provides peer-to-peer cross-border payment services across Africa using Celo blockchain infrastructure. The platform supports both smartphone users through mobile and web applications, and feature phone users through USSD access. The system uses cUSD stablecoin for transactions and includes biometric wallet security.

Send App is a cross-border remittance application that facilitates money transfers from the diaspora to over 34 African countries through local bank accounts, mobile money wallets, and cash pickup locations, supporting transfers from the US, UK, Canada, and Europe.

Hizo is a mobile application for Naira-denominated cross-border payments across multiple African countries. It supports peer-to-peer transfers from Nigeria to recipients via mobile money or bank accounts with live exchange-rate conversion, wallet funding via virtual accounts, KYC using BVN, and round-the-clock customer support.

Higlobe provides USD receiving accounts and cross-border payment processing for professionals receiving payments from US companies. The system processes ACH transfers and wire payments while enabling withdrawals to local bank accounts through stablecoin settlement infrastructure. Users can earn 3% annual yield on account balances through integrated stablecoin mechanisms, with returns accrued daily and paid weekly. The platform includes prepaid USD Mastercard issuance, allowing users to convert account balances into virtual cards for global spending with mobile wallet integration.

Aspora Remittance App is a mobile application for cross-border money transfers, providing live exchange rates and transparent fee structures for sending funds to India. Users authenticate, select recipients, enter transfer amounts, and confirm transactions through bank transfers or card payments. The application supports transfers from UK, UAE, EU, and US to Indian bank accounts, utilizing stablecoin rails.

OfflinePay is a fully offline-enabled financial system designed for private peer-to-peer digital payments without internet connectivity. The system enables users to send and receive payments within local networks, providing financial transaction capabilities in remote or disrupted environments for the unbanked and underbanked.

Remitly is an international money transfer service for consumers available on web and mobile, enabling cross-border transfers with delivery to bank accounts, mobile wallets, or cash pickup.

Riva is a cross-border payments platform that enables businesses to send and receive global transfers using blockchain technology and traditional payment rails. The platform provides multi-currency accounts, real-time FX hedging tools, and smart routing to optimize speed and cost for each transaction.