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 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.

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 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.

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.

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.

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 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 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.

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.

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.

MoveMoney is a peer-to-peer remittance application that lets users send and receive digital dollars through retail cash locations across the United States. Users deposit cash at partner retail stores to convert it into digital assets, which are then transferred cross-border and converted back into local currency for recipients. The app supports multiple stablecoins as the underlying transfer mechanism and is accessed through an individual, phone number-based account rather than the operator's business platform.

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.

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 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.

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.

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.

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.

ARQ is a digital financial account for consumers that provides digital dollar and euro balances alongside a payment card. It converts local currency into digital dollars or euros, issues account details for receiving international transfers, and provides a card for spending abroad and domestically with cashback rewards. Users in Latin America also access peer-to-peer transfers, bill payments, and Brazil-specific instant payments through the same app. The platform supports balances denominated in multiple stablecoins across several blockchain networks.

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.

Tapnob is a payment platform that lets individuals convert Bitcoin, USDT, and USDC into local currency for instant bank or mobile money settlement across Africa. Users can buy Bitcoin with local currency, receive funds via a personal Tapnob address, cash out Bitcoin and stablecoins to a bank account, and pay bills such as airtime and utilities. The platform is aimed at freelancers, diaspora recipients, and everyday users seeking fast, low-fee cross-border payments and Bitcoin utility.

Zynta Wallet is a self-custody wallet for individuals that holds fiat balances in multiple currencies alongside stablecoins. Users load funds through a bank card or crypto deposit, swap between currencies at real-time rates including directly within chat apps, and cash out to local bank accounts or mobile money. The wallet supports cross-border remittances to a wide range of countries with same-day identity verification.

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.

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.