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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Eversend Mobile App is a multi-currency wallet for individuals that holds multiple currencies and stablecoins in one account. It lets users send money to mobile money or bank accounts across multiple countries, convert between currencies at live rates, and spend from any balance using a virtual card. The app also supports holding and converting stablecoins alongside fiat balances for cross-border use.

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.