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

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 numerous payment methods across many fiat currencies with zero trading fees and dispute resolution mechanisms.

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.

Bitget P2P enables peer-to-peer trading between cryptocurrency and fiat currencies through user-selected payment methods. The platform facilitates direct transactions between buyers and sellers with escrow protection until both sides confirm payment. It serves users who want to convert between crypto and local fiat using bank transfers or other regional payment rails.

Bybit Pay is a cryptocurrency payment service that lets users spend digital assets at merchants worldwide by scanning QR codes, send peer-to-peer transfers, and purchase gift cards or mobile top-ups. Payments are made from a dedicated funding account and can be topped up with supported fiat or crypto balances. The service connects to websites, mobile apps, and point-of-sale terminals for checkout.

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.

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

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.

ZinariPay is a financial platform for the African market that combines peer to peer cryptocurrency trading, instant crypto swaps, cross-border payments, and a gift card marketplace in one app. Users list or buy cryptocurrencies at self-set prices with funds held in platform escrow to prevent payment disputes, or convert crypto to local currency and between crypto assets instantly at platform-set rates. Cross-border transfers send local currency payouts to recipients across several African countries through bank transfers or mobile money. A gift card marketplace lets users purchase from a wide range of retail brands using crypto, alongside airtime and data top-ups. Businesses can additionally integrate a payment gateway to accept stablecoin payments through an API for online checkout.

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.

Metal Pay is an on/off-ramp mobile application that lets users buy, sell, and trade cryptocurrency using a debit or credit card. It supports direct fiat-to-crypto purchases and instant peer-to-peer transfers within a regulatory-compliant framework. The app is used by retail consumers seeking a simple way to enter and exit multiple digital assets.

Linka is a payment infrastructure platform for Latin America, enabling on/off ramp, cross-border settlement, and stablecoin payment processing through a unified API. The platform connects local banking rails across Latin American markets with stablecoin networks on multiple blockchains, allowing businesses to move value across borders without managing individual local banking relationships. REST and WebSocket APIs are available with SDKs for multiple programming languages, alongside automated KYC and AML workflows, real-time transaction monitoring, and MPC-based custody integrated into the platform.

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.

Triple-A White Label Remittances is a peer-to-peer and remittance product that lets businesses launch their own branded money-transfer service. It provides licensed market access, a dedicated API suite, and support for multiple payment and delivery methods so partners can offer remittance services under their own brand rather than through Triple-A's own interface. The product is aimed at payment service providers, digital banks, and other regulated entities seeking to add remittance capability without acquiring their own licensing.

Triple-A Payouts is a peer-to-peer and remittance product that lets businesses send outbound payments to suppliers, vendors, and partners globally. Senders initiate payouts through a shared dashboard and API, settling recipients either in stablecoins or in local currencies across a wide range of countries. The system handles real-time conversion and settlement so paying businesses do not need to hold cryptocurrency themselves. It serves businesses running cross-border payables, marketplace payouts, and international supplier payments.

Cross-Border Payments is a peer-to-peer and remittance service that enables businesses to send international payments to vendors, teams, and partners through crypto-to-fiat conversion. Payers deposit crypto or stablecoins, and Payhound converts and settles funds into the recipient's preferred currency without requiring local banking relationships. It supports mass payouts through CSV file uploads or direct API integration, serving businesses with high-volume vendor or partner payment needs across multiple industries.

ForumPay is a merchant payment gateway that lets businesses accept cryptocurrency payments online and in person. It provides checkout widgets, payment buttons, payment links, and a virtual terminal that convert crypto payments instantly into a merchant's preferred fiat currency. The platform also supports recurring subscription billing, automated mass payouts and disbursements, invoice-based billing, over-the-counter trading, remittance transfers, and fiat-to-crypto conversion. Businesses across e-commerce, retail, and service industries use it to accept and send multiple cryptocurrencies without exposure to price volatility.

BiYaPay Remittance is a peer-to-peer and cross-border money transfer service that lets users send funds internationally using fiat currency or digital assets. It converts between multiple fiat currencies and digital assets and delivers funds to bank accounts in numerous countries, often within the same day. The service targets individuals needing to move money across borders without opening an overseas bank account.

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.

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.

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.

Deus X Pay is a regulated stablecoin payment gateway that enables businesses to accept cryptocurrency payments, process deposits and withdrawals, and convert digital assets to fiat currencies. It supports business wallets with static deposit addresses, dynamic invoicing, and API, SDK, and widget integrations for embedding crypto payments into existing checkout flows. Institutional clients can also execute programmatic over-the-counter crypto trades through the platform's trading desk. Access and administration are handled through a merchant console.

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.

Bullring Finance is an application programming interface and over-the-counter payments platform that lets businesses collect, convert, and pay out funds across borders. It combines local currency collection, cross-border settlement over stablecoin rails, and payouts in local currency into a single programmable layer, with fiat-to-stablecoin and stablecoin-to-fiat conversion handled through regulated partners. Businesses integrate through an application programming interface, web widgets, or plugins to manage multi-currency virtual accounts, process remittances, and view treasury positions across markets from one dashboard.

CoinCorner is a Bitcoin exchange and accounts platform for individuals and businesses to buy, sell, send, receive, and store Bitcoin. Users purchase Bitcoin via debit card or bank transfer, hold GBP and EUR in eMoney accounts, and send funds globally using the Bitcoin Lightning Network or to bank accounts in multiple countries. The platform offers automated recurring Bitcoin purchases, Bitcoin sub-accounts for savings goals, a cashback rewards program, and a rewards account offering returns on stored virtual assets. Business accounts add multi-currency support in Bitcoin and a dollar stablecoin alongside over-the-counter trading and digital asset custody.

Bingtellar is a cross-border money transfer platform serving Africa, enabling users to send and receive payments across multiple currencies. It provides multi-currency accounts, fair exchange rates, and settlement that the company states is faster than traditional bank transfers. Individuals and businesses use it for remittances, supplier payments, and international payroll, with support for stablecoin-based settlement alongside local bank and mobile money payout.

Cowbolt is a non-custodial wallet application that lets teams, friends, and families split shared expenses and settle balances using Bitcoin and a dollar-pegged stablecoin. Users track group costs, message privately within the app, and send peer-to-peer payments directly from self-custodied wallets. Settlement runs over the Bitcoin Lightning Network and the Liquid Network, giving users low-cost, near-instant cross-border transfers without an intermediary holding their funds. The application is in open beta, with the team continuing to gather user feedback.

Peach Bitcoin is a mobile P2P marketplace that connects Bitcoin buyers and sellers directly without intermediary custody. Users post buy or sell offers, get matched, and complete trades using their chosen fiat payment method, with Bitcoin secured in a 2-of-2 multisig escrow throughout. Dispute resolution is available through Peach mediators using end-to-end encrypted chat. The platform supports cash trades at Bitcoin meetup locations in addition to online payment methods.