List of Peer to Peer & Remittance projects on Base (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.

reply.cash is a peer-to-peer payment platform that lets users send stablecoins directly to mobile money accounts, bank accounts, and QR payment providers in emerging markets. Senders link a Solana wallet holding stablecoins, enter a recipient's phone number or bank details, and funds are automatically converted and settled on local rails without the recipient needing a crypto wallet. The platform supports cross-chain top-ups from multiple blockchains, consolidating value into a single balance for local payouts, and operates non-custodially throughout the transfer process.

Pretium Finance App is a consumer mobile wallet that makes stablecoins spendable across African markets. It lets users pay bills, pay merchants, send cross-border transfers, and access crypto-backed lending by bridging local payment rails such as mobile money with blockchain settlement. The app is aimed at everyday consumers seeking to move between stablecoins and local currencies, and it settles remittances directly to mobile money or bank accounts.

Due Transfers is a cross-border money transfer service that moves funds using local payment methods across many countries. It allows instant transfers in stablecoins pegged to major fiat currencies, with settlement to local currency through rails such as bank transfers, mobile money, and crypto wallets. The service targets businesses and individuals sending payments to emerging and developed markets alike.

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.

Pay(ID) is a universal stablecoin payment identifier that lets users receive any stablecoin from any supported blockchain using a single human-readable identifier instead of wallet addresses. It resolves incoming funds through user-defined routes that specify the destination currency, network, and wallet or account. The identifier is designed for both human and agentic payments, letting anyone pay a user by referencing their Pay(ID) rather than exchanging technical account details.

Koywe Payments is a payments infrastructure product that lets businesses collect and pay funds internationally across multiple Latin American markets and beyond. It processes pay-ins through payment links, hosted checkout, and in-person QR payments, and pay-outs to suppliers and other third parties, using local payment methods in each country. Companies, fintechs and payment service providers access the service through a single platform or API, receiving fee and exchange-rate quotes before confirming each transaction. The product also enables merchants to accept point-of-sale payments from foreign customers in the customer's local currency while settling in the merchant's own currency.

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.

QvaPay is a peer-to-peer payments platform and digital USD account that lets users trade crypto and fiat through an escrow-based marketplace supporting multiple payment methods. Users hold a digital USD balance, send instant transfers, and deposit or withdraw across multiple blockchain networks and local banking rails. The platform also lets users deposit balance into an interest-bearing savings feature, purchase gift cards and eSIM data plans, and access short-term buy-now-pay-later credit, all from one account. Businesses can register enterprise accounts to run payroll for distributed teams and accept payments through a developer API. A reloadable card product is in development to extend spending directly from the QvaPay balance.

Chainpaye is a WhatsApp-based payments platform for cross-border transfers and stablecoin off-ramps aimed at individuals and families moving money across Africa and abroad. Users issue chat commands to send, receive, and convert multiple fiat currencies, generate payment links, and off-ramp stablecoins directly to a bank account or mobile money. Settlement routes through stablecoins across multiple blockchains, with crypto-to-bank conversions completing in under a minute. The platform also offers a tiered spending card that lets users pay with stablecoin balances at physical and online merchants.

Azza AI is a WhatsApp-based agent that lets users buy, sell, swap, and bridge crypto through chat commands. It converts crypto to local currency and back, enabling instant cashouts to bank accounts or mobile money, and lets users send crypto to contacts using a phone number instead of a wallet address. The agent also lets users track balances and manage assets without leaving WhatsApp, requiring a brief identity verification step before trading.

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.

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.

Monica is a mobile application that converts cryptocurrency into Nigerian naira and provides everyday financial services. It lets users send crypto to a personal deposit address and receive naira payouts to a bank account shortly after on-chain confirmation, alongside bill payments, airtime and data top-ups, gift card purchases, a virtual dollar card, and person-to-person transfers. The app targets Nigerian consumers seeking a faster alternative to peer-to-peer crypto trading or exchange withdrawals.

Loofta Pay is a non-custodial payment platform that lets users send crypto to anyone using only an email address or social handle instead of a wallet address. Recipients claim funds through a link and choose to hold them in one of many supported tokens or cash out directly to a bank account, while senders can optionally enable a shielded mode that hides the amount and counterparty from public view. The platform also generates shareable payment links and routes cross-chain payments through deposit addresses, letting a payer send whatever token they hold while the recipient receives exactly the asset and network they specified. Businesses can integrate the same rail through an SDK or hosted checkout to power payouts, gifts, payment links, and payroll within their own products. The platform supports transfers and routing across multiple blockchains and settlement tokens.

Velafi Global Payments is a cross-border payment service for businesses to move money between fiat currencies across countries. It connects local real-time payment rails to stablecoin settlement, converting sender funds to a stablecoin and back to local currency for the recipient. Businesses and platforms use it to send and receive fiat payments across Latin America, Asia, and the United States without setting up local banking relationships, accessible through a web dashboard or API integration.

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.

Alfred Pay Platform is a cross-border payments infrastructure product that connects stablecoin rails to local banking systems across Latin America. It provides businesses with virtual local bank accounts, converts between stablecoins and local fiat currencies, and settles cross-border payments in near real time through a single API. Fintechs, crypto platforms, and trade and logistics companies use it to collect and disburse local payments and manage multi-currency operations without establishing local entities. The platform also connects to a partner cash-out network, letting digital wallet holders convert balances into cash at physical agent locations.

Kaprex is a financial services platform that combines stablecoin rails with traditional banking infrastructure to facilitate cross-border payments, currency conversion, and merchant settlement. Users receive virtual accounts for USD, EUR, and GBP deposits, hold balances as stablecoins across multiple blockchain networks, and convert between fiat and crypto at market rates. The platform also provides a stablecoin-funded payment card, local payout rails for African markets, stablecoin savings yield, and API access for business integrations.

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.

UGLYCASH is a neobank application that lets users hold, spend, and move money through a stablecoin-based account. It converts deposited funds into stablecoins and pays yield on balances, while a cashback Visa card enables everyday spending and in-app purchases convert between fiat and crypto. Users can also send cross-border remittances and access a non-custodial trading feature to trade assets across multiple blockchains and follow other traders' positions from a single balance.

Oneremit is a business-to-business cross-border payment platform that lets companies send and receive international payments in multiple currencies. It provides transparent foreign-exchange rates, same-day or instant settlement depending on corridor, and beneficiary management with real-time transfer tracking. The platform serves small and medium businesses and large corporates making regular international payments such as suppliers, partners, or tuition fees, with built-in compliance controls. A personal remittance offering is in a waitlist stage ahead of public launch.

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.

Yodl Pay is a mobile application that lets travelers make stablecoin payments by scanning everyday local QR codes such as PIX, VietQR, GCash, and QR Ph. Users pay merchants directly from a self-custodial wallet, with funds converted so the merchant receives their own local currency rather than crypto. The app targets travelers and digital nomads paying in person in supported countries, removing the need to hold or exchange local cash or use traditional card rails.

SurgePay is a mobile money app that provides multi-currency wallets, cross-border transfers, and virtual cards for users sending and receiving money across Africa and the diaspora. It runs on a public blockchain network, using stablecoins to move value between currencies before settling to local bank accounts or mobile money wallets. Users convert balances at live exchange rates, send funds to bank accounts or other wallets, and issue virtual cards funded by stablecoins after completing identity verification. The app also supports bridging stablecoin balances from other blockchain networks into the user's wallet to fund transfers and card top-ups.

SuperCash is a self-custody wallet that enables stablecoin payments at local merchants. Users deposit supported stablecoins and pay by scanning local QR payment codes, with settlement into local payment rails handled by third-party partners. The wallet allows spending without identity verification up to set daily and monthly limits, with higher limits and cashback multipliers available through paid membership tiers, while private keys remain under user control.

Karsa is a neobank that provides a virtual US dollar account for people in emerging markets to save, receive, and spend money internationally. It converts local currency deposits into dollar-denominated stablecoins by routing funds through a network of verified peer-to-peer stablecoin traders, while abstracting wallet and key management so users interact with a bank-like interface. The app supports multi-currency balances, cross-border transfers to a wide range of countries, and a debit card for global spending, with funds held in self-custody wallets rather than a centralized custodian.