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

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 mobile money app for sending, spending, and earning on crypto and cash balances, with payments addressed to other users by their Kraktag. Users send money across borders without fees, split bills, and spend through a Krak debit card that pays cashback. Balances earn a variable APY automatically, and Krak Vaults offer higher-yield onchain strategies.

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.

Coins.ph Platform is a consumer financial application that lets users buy, sell, and hold cryptocurrencies alongside everyday payment services. Users trade spot crypto pairs, convert assets with one-click buys, pay bills, buy mobile load, send domestic and cross-border remittances, and pay merchants through QR codes, all from a single account. The app also offers a rewards hub, referral and VIP loyalty programs, and a launchpool feature for earning yield on eligible assets, plus an integrated self-custody web3 wallet for managing external crypto holdings. Coins.ph issues its own peso-pegged stablecoin, which is used within the platform for payments and transfers.

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.

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.

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 the custodial multi-asset account of the EMCD platform, branded EMCD Coinhold Wallet, that stores, sends, receives and exchanges digital assets across multiple blockchain networks from one web and mobile sign-in. Its Grow savings product pays fixed yield on deposited crypto, and Borrow lends stablecoins against crypto collateral without the user selling it. The same account offers instant buys, an exchange with more than 200 trading pairs, peer-to-peer crypto-to-fiat trading and a payment card for spending balances worldwide. It also provides delegated staking for selected proof-of-stake assets and investment offerings in indexes, real-world assets and tokenized equities. Earnings can be withdrawn or reinvested from the account without moving funds to another platform.

PDAX Remit is a cross-border settlement service enabling businesses and financial partners to move funds between fiat currencies and stablecoins to and from the Philippines. It provides institution-grade APIs for high-volume transaction processing, access to global market makers for liquidity, and a nationwide network of cash-out points spanning banks, e-wallets, remittance centers, and convenience stores. The service supports use cases including B2B payments, remittances, payroll, and merchant settlement.

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.

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.

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.

CoinCola is a crypto trading platform that combines a peer-to-peer marketplace with spot and margin trading and gift card trading. On the P2P market, users buy and sell crypto with local payment methods such as bank transfers and mobile wallets, with CoinCola holding the crypto in escrow until payment is confirmed. The spot exchange lists crypto pairs with margin trading, and gift cards from global brands can be redeemed or sold for crypto. CoinCola Express lets users send money to Nigeria by selling bitcoin for naira, and an Instant Buy option sells crypto through a third-party provider. Nigerian businesses can also use an institutional OTC desk to convert naira into stablecoins and other major assets.

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.

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.

BitCheck is a digital escrow service for payments between businesses. It holds funds digitally until the transaction completes, with fiat currencies, stablecoins, and cryptocurrencies accepted as payment. BitCheck Contracts record the transaction terms and collect digital signatures from both parties.

XREX Pay is a cross-border payment service for businesses that settles payments with stablecoins and fiat in minutes. It provides on- and off-ramps between fiat currencies and USDT and holds customer funds in safeguarded accounts. Digital escrow through BitCheck is offered within the service.

Reap Pay is a cross-border payments product that converts stablecoin balances into local fiat payouts sent to recipients globally. Businesses fund payments using stablecoin deposits, and Reap Pay handles conversion and settlement to recipients across multiple fiat currencies and countries without requiring traditional banking relationships. It is used to pay suppliers, contractors, and other counterparties directly from a stablecoin treasury.

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.

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.

Remitano P2P Trading is a peer-to-peer marketplace where users buy and sell cryptocurrencies directly with each other through their preferred payment methods. Makers post offers with their own prices and trade limits, and verified makers carry a credibility badge. Trades are protected by an escrow service.

Oobit App is a self-custody mobile wallet that lets users spend stablecoins and other crypto through NFC tap-to-pay and card-based checkout. It converts crypto to local currency at the moment of purchase, allowing payments at Visa-accepting merchants worldwide. Users can also send crypto directly to bank accounts as local currency and earn cashback rewards on purchases.

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.

MoveMoney is a wallet app that lets users send and receive digital dollars across borders. Users deposit cash at partner retail locations in the United States, which is converted into digital dollars that recipients convert back into local currency. Accounts are individual and phone number-based rather than business accounts.

CoinPay.cr is a consumer digital financial platform that connects traditional financial networks with blockchain networks under a single account. Users manage multi-currency payments, cross-border transfers, and digital assets, buying, selling, and swapping cryptocurrencies, while also accessing a marketplace for gift cards and mobile top-ups. The platform includes an integrated peer-to-peer and merchant payment tool and an over-the-counter service for larger transactions, alongside physical and virtual debit cards and business tools for accepting and requesting payments.

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.

Sorted Wallet is a non-custodial wallet for smartphones and feature phones that holds digital dollars and Bitcoin. Users send and receive money, pay bills, buy airtime, and cash out to mobile money, with funds controlled by the user. It offers a Lite version limited to digital dollars and a Pro version for additional assets.

Fuze OS is a digital asset infrastructure platform that lets banks, fintechs, and other businesses embed crypto trading, custody, payments, and stablecoin services into their own products. It provides unified APIs for wallet creation, fiat and crypto account management, trading execution, and compliance monitoring. The platform handles order execution, custody orchestration, and reconciliation while giving operators a dashboard to track transactions and compliance events. It supports fiat-to-crypto conversion, cross-border settlement, and AI-assisted compliance automation. Businesses use it to launch branded trading, payment, and wallet experiences without building regulatory or custody infrastructure themselves.

meCash is a cross-border remittance platform that enables individuals to send and receive money internationally. It provides multi-currency wallets, a virtual USD card, and a digital asset on and off ramp within a single mobile application. Users access the service through iOS and Android apps to manage balances and transfer funds across borders.

Toobit Trading platform is a centralized exchange for buying, selling, and trading cryptocurrencies. It offers spot trading, perpetual futures, event and prediction contracts, and a decentralized exchange aggregator for on-chain tokens, all accessible from a single account. Users can also access a launchpad for new token listings, instant asset conversion, copy trading, automated trading bots, peer-to-peer trading, card and third-party fiat purchases, yield products, and API-based trading automation. The platform additionally provides AI-driven market insights and integration with third-party charting tools for order execution.

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.

VALR Pay is a payment service for sending cash or crypto to any mobile number, email address, or VALR Pay ID without fees. Payments between VALR accounts arrive instantly, and merchants can accept VALR Pay payments.

Loofta Pay is a non-custodial payment app that lets users send crypto to an email address or social handle instead of a wallet address. Recipients claim through a link and hold the funds in a range of tokens or cash out to a bank account or payment app, while senders can enable a shielded mode that hides the amount and counterparty. It also provides payment links, a Telegram bot, giveaways, and an SDK with hosted checkout for businesses.

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.

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.

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.

Airtm Digital Wallet is a neobank platform for freelancers and remote workers that provides digital dollar accounts and payment tools. Users fund accounts through hundreds of local payment methods, hold balances in a dollar-pegged stablecoin, and cash out via peer-to-peer exchange or bank withdrawal. The platform also issues a US Virtual Account with ACH details, a Euro Virtual Account, a USD virtual card, QR-based payments, shareable payment links, and access to yield-bearing investment options and credit. Direct integration with a separate payout service allows users to withdraw funds from connected accounts.

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.

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.

Evolution, formerly Cryptonia, is a consumer financial app that gives users in emerging markets virtual USD and EUR accounts alongside stablecoin support for global payments. It routes funds through a hybrid rail architecture joining ACH, Fedwire, SEPA, and local Nigerian bank transfers with stablecoin infrastructure into one unified USD balance. Users receive international and local payments, convert instantly to local currency, withdraw to Nigerian banks, spend via a virtual card, and send funds to other users through free internal transfers.

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 major cryptocurrencies and EVM-based blockchain networks, providing native WooCommerce integration and API connectivity for additional WordPress plugins.