List of Peer to Peer & Remittance projects on Avalanche (2026)

OKX Pay is a smart-account payment application built on a Layer 2 network that enables self-custodial stablecoin transfers without gas fees. Users split private key control between their device and OKX, using account abstraction and passkey or email-based recovery, and send stablecoins to recipients via phone numbers, email addresses, QR codes, or payment links. The platform also converts stablecoins to local currency at participating merchant point-of-sale terminals and applies deposits to low-risk onchain yield strategies, crediting rewards automatically. Users can bridge stablecoins in from several other blockchain networks to use within the app.

INBESTGO App is a self-custody cryptocurrency wallet and investment platform for individuals and businesses in Latin America. It lets users buy, sell, send, and receive a wide range of cryptocurrencies across multiple blockchains, fund accounts with local currency or dollars, and earn rewards on holdings through an integrated yield feature. A membership tier offers preferential withdrawal fees, and the app also manages linked crypto-funded payment cards. Businesses can access on and off-ramp services to convert stablecoins into local currency for payments.

EMCD Account is a custodial multi-asset platform account that stores, sends, receives, and swaps digital assets across multiple blockchain networks through a single login and dashboard. From the same account, users access savings under the Coinhold or Grow brand for daily-credited yield, peer-to-peer crypto-to-fiat trading, a centralized exchange for instant swaps, fiat on and off ramps, a crypto-backed lending product called OnLock, and a linked spending card. The account also provides delegated staking for select proof-of-stake assets, an index and real-world-asset investment offering marketed as Indesk or Portfolio, and tokenized U.S. equities and pre-IPO exposure branded xStocks, all settled through the same trading account. Every capability is reached through the shared web and mobile sign-in rather than a separate account or standalone application.

Request Network Protocol is a decentralized payment infrastructure that lets businesses and developers create, send, and accept crypto payment requests. It combines on-chain anchoring with distributed storage to generate verifiable invoices and payment links, track their settlement status, and route funds directly between wallets across multiple blockchain networks. Users access the system through a shared dashboard and API that support both collecting payments from customers and sending payouts to recipients, including cross-chain and crypto-to-fiat settlement options.

Peanut Protocol is a self-custodial peer-to-peer payments application for sending and receiving digital dollars across borders. Users deposit and withdraw funds using passkey authentication, then send money via simple links or QR codes, including local payment rails such as MercadoPago QR in Argentina and Pix in Brazil, with no local ID or bank account required. The app covers network fees on deposits and withdrawals and supports multiple stablecoins across several blockchain networks. Developers can integrate payment functionality into their own applications through an accompanying SDK and API.

BoundlessPay is a consumer neobank offering a mobile wallet for holding, buying, and selling multiple cryptocurrencies alongside cross-border money transfers with local bank settlement. Users can grow savings individually or in groups through flexible, fixed, and target savings plans that pay interest, pay bills such as airtime, data, and utilities, and spend through physical or virtual payment cards. The app is aimed at individuals sending and managing money across borders using stablecoin-backed rails via licensed financial partners.

SRD Exchange is a decentralized trading platform that combines multi-venue futures trading, cross-chain token swaps, and peer-to-peer fiat conversion in one self-custody interface. It routes leveraged futures orders across multiple external liquidity venues so traders can compare leverage, fees, and pricing for the same pair without leaving the platform. Its swap feature moves tokens across several blockchains in a single transaction with fees covered by the platform, while its fiat module lets users in India trade USDT for INR directly with other users through bank transfer or cash deposit, secured by smart-contract escrow. All three functions are accessed through one wallet-based account rather than separate apps.

Charter Wallet is a non-custodial wallet that provides global payments, savings, and payroll functionality from a single account. Users send money across borders using a stablecoin balance, hold virtual USD and EUR accounts to receive funds locally, and settle payouts to supported banks in multiple regions. The wallet also lets users earn yield on idle balances and access early payroll disbursements from employers, alongside spending and expense tracking tools. It operates across multiple EVM-compatible blockchains.

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.

SFx Money App is a neobank offering stablecoin-based accounts, transfers, and payments for users moving money between Africa, Turkey, the US, Europe, and the UK. It provides multi-currency virtual accounts, a self-custodial style wallet holding stablecoins, and a virtual Visa card for online and offline spending. Users fund and settle balances through bank transfers, mobile money, or stablecoin deposits, with transfers routed across multiple blockchains for onchain settlement. The app also offers basic savings functionality alongside its transfer and card features.

Velaro is a B2B stablecoin payment service enabling compliant cross-border USD settlement for businesses in Latin America. It routes payments through a stablecoin-based network with optional escrow-backed settlement, replacing slower and costlier traditional banking rails for international trade. The service embeds know-your-business, know-your-customer, and anti-money-laundering checks alongside transaction monitoring to meet regulatory requirements, giving businesses faster access to USD liquidity and reduced foreign-exchange exposure.