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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Raenest is a neobank offering multi-currency accounts, virtual and physical cards, international money transfers, invoicing, US stock investing, and stablecoin deposits for individuals, particularly in emerging economies. Users can hold balances in USD, GBP, and EUR, receive stablecoin deposits that are automatically converted to USD, and spend through a linked card. The platform also connects to freelance platforms to enable faster withdrawal of earnings.

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.

ZAR Wallet is a self-custody stablecoin wallet that lets users convert local cash into dollar-backed stablecoins and hold, send, and spend them. It works through biometric authentication and peer-to-peer transfers, allowing users to move funds instantly, withdraw to a local bank, or receive international transfers into a dollar account. The wallet also issues a linked virtual and physical Visa card that converts stablecoin balances at the point of transaction, letting users spend dollars at merchants worldwide, withdraw local currency from ATMs, and pay via mobile contactless payments. Freelancers and remittance recipients use it to receive payments from platforms or family abroad without forced currency conversion, spend received dollars directly, or exchange into gold or bitcoin.

Timon is a travel payments app offering physical and virtual Visa and Mastercard cards fundable with stablecoins or bank transfers, alongside a global multi-currency wallet, eSIMs for international data connectivity, and hotel and flight booking. It converts stablecoin balances into spendable currency and enables local and cross-border transfers to bank accounts and mobile money wallets across multiple regions. The app is designed for travelers, digital nomads, and users who need to spend, send, and stay connected internationally.

Stablepay is a stablecoin payment network that connects wallets, telcos, fintechs, and financial institutions to enable consumer and merchant payments across Africa. The platform lets users send stablecoins that are automatically converted and settled in local currency in real time, with payments authenticated directly from the sender's wallet. It supports both person-to-person transfers through a stablecoin credential linked to a wallet and direct spending at merchants, bill payments, and mobile money transfers, operating on a public blockchain network.

WorldRemit is a digital remittance platform enabling international money transfers to bank accounts, mobile money wallets, and cash pickup locations. The service supports payments via bank deposit, debit card, and credit card, processing transfers across multiple countries with multiple receive methods including airtime top-up and mobile money.

Sendwave is a remittance platform providing international money transfers to Africa, Asia, and Latin America through mobile and web applications. The service facilitates bank transfers, mobile money deposits, and cash pickup with transparent pricing. Sendwave integrates optional stablecoin wallet functionality via USDC on Solana, enabling users to store digital dollar balances, send peer-to-peer transfers within the Sendwave network, and access enhanced rates or cashback in select markets.