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.

EMCD P2P is a peer-to-peer cryptocurrency trading platform that connects buyers and sellers directly for crypto-to-fiat transactions. Users post or fulfill offers for digital assets against supported fiat currencies including EUR, USD, RUB, KZT, UAH, TRY, and others. An escrow mechanism holds the seller's cryptocurrency during the payment process to protect both parties. No trading fee is charged on completed transactions.

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.

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.

reply.cash connects crypto and local money systems across the Global South. Users can send or convert stablecoins and other digital assets into local currency payments via mobile money, bank transfers, or QR code payments, no crypto wallet needed for recipients. Senders simply link a Solana wallet with USDC or USDT, enter a recipient’s phone number or bank details, and funds settle instantly to their local account. The platform supports cross-chain top-ups, private transfers, and operates entirely non‑custodially for secure, borderless payments across emerging markets.

ZoomMe is a free international peer-to-peer transfer service for sending USD or cryptocurrency to other CoinZoom accounts instantly with no fees and no exchange rate markup. CoinZoom Instant, an integrated feature, enables users to withdraw funds directly to a registered Visa or Mastercard debit card, with Black Prime members earning 2% in ZOOM on each withdrawal.

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.

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.

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.

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

Swapzone P2P is a peer-to-peer cryptocurrency exchange service available through the Swapzone platform.

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.

P2P Vault is a peer-to-peer trading marketplace on ATAIX Eurasia for retail users to buy and sell digital assets at negotiated prices. Transactions settle between exchange-hosted wallets with ATAIX acting as guarantor, operating under an AIFC-regulated P2P platform license. Users select existing market orders or create new ones, with instant settlement between platform accounts and lower fees than the spot market.

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.

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.

BitCheck provides escrow services for global cryptocurrency and fiat transactions through third-party payment guarantee. The platform secures funds until transaction completion, supporting cross-border business payments and peer-to-peer transfers with verification requirements.

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.

Triple-A Digital Currency Payouts enables businesses to send cross-border payments to suppliers globally using digital currencies while recipients receive funds in local currency, providing real-time settlement without businesses needing to hold cryptocurrencies.

meCash is a cross-border remittance app that enables users to send and receive money across multiple countries. The app supports multi-currency wallets, a virtual USD card, and an on/off ramp for multiple assets. Users access the service through iOS and Android apps.

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.

VALR Pay enables instant, fee-free cryptocurrency and fiat transfers between users using mobile numbers, email addresses, or VALR Pay IDs. The system supports over 10 cryptocurrencies and South African rand transfers with QR code functionality and merchant payment integrations.

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.

QvaPay is a P2P payments platform that enables users to trade crypto and fiat through an escrow-based marketplace with multiple payment methods. Users can manage digital USD balances, send instant transfers, deposit and withdraw via multiple blockchain networks and local banking rails, and access merchant payment tools through a REST API.

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.

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.

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.

Zend Business is a cross-border payment platform powered by ZendFX, enabling businesses to send international payments funded by stablecoins. Payments settle in USD, EUR, GBP, or CAD via SWIFT rails to recipient bank accounts across multiple countries. The platform includes KYB compliance verification, real-time payment tracking, invoice documentation requirements, and role-based team permission management.

Qash is a payments product enabling individuals and businesses to accept and make payments using cryptocurrency anytime, anywhere. Users send and receive funds instantly through the Qash platform, supporting personal transfers and business payment collection in a seamless, borderless experience.

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.

SukuPay enables global money transfers between phone numbers using blockchain infrastructure without apps, fees, or traditional banking intermediaries while maintaining full user custody through account abstraction technology.

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.

SarafSend is a crypto transfer and remittance service within the Traveeqo platform that lets users send cryptocurrency to recipients worldwide. Users can also buy and sell crypto with real-time exchange rates through a single interface.

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.

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.

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

XEROF’s cross‑border payment solution uses Circle’s USDC infrastructure to provide instant global transfers with USD‑backed stability, reduced costs, and 24/7 availability.

Stvble Pay is a business payments tool that lets users pay in crypto and settle to recipients in chosen fiat currencies, with setup, crypto deposit, invoice upload, and settlement steps.

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.

Tapnob is a payment platform that integrates the Bitcoin Lightning Network and USDT to enable instant cross-border transfers, fiat-to-crypto conversions, and peer-to-peer remittances across Africa. Payouts land in local bank accounts or mobile money with transparent rates and fast settlement.

Bingtellar is a cross-border money transfer platform serving Africa, enabling fast and affordable payments with multi-currency accounts in multiple currencies, fair exchange rates, and settlement up to 5x faster than traditional banks.

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.

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.

Stablechat is an SMS-based payment protocol facilitating peer-to-peer USDC transfers via phone numbers, operating on Solana blockchain. The platform provisions self-custodial wallets secured with 2-of-2 Multi-Party Computation through Para infrastructure, enabling automatic wallet creation, one-time password authentication via SMS or USSD, and agent-based cash withdrawal networks across African countries.

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.