List of Peer to Peer & Remittance companies in Web3 (2026)

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

KOSH is a stablecoin-backed neobank offering multi-currency virtual accounts, a global spending card, and business payment tools through a single mobile application. Users open named USD, EUR, and AED accounts to receive funds via ACH, wire, or SWIFT, hold balances in stablecoins, and spend through physical or virtual cards accepted internationally with foreign-exchange conversion. The app also supports sending and receiving payments, tracking transactions, generating invoices, and issuing global payouts to employees and contractors. Signups currently route through a partner platform ahead of a planned relaunch under the KOSH brand.

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.

Cross Border Payments enables international fund transfers through MXNB stablecoin conversion, supporting instant settlement between USD and MXN-backed tokens. The system facilitates remittances and business payments across Latin American markets.

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.

VirgoPAY is a payments platform that enables on- and off-ramp conversion between stablecoins and fiat currencies. It supports global remittance and stablecoin-based payments with instant settlement for individuals and businesses moving value across borders. The service targets users needing fast conversion between digital and traditional currencies across multiple countries.

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.

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.

Zend Business is a cross-border payment platform powered by ZendFX, enabling businesses to send international payments funded by stablecoins. Payments settle in USD, EUR, GBP, or CAD via SWIFT rails to recipient bank accounts across multiple countries. The platform includes KYB compliance verification, real-time payment tracking, invoice documentation requirements, and role-based team permission management.

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.

Qash is a payments product enabling individuals and businesses to send and receive money using cryptocurrency across borders. Users make instant transfers, pay bills, and generate payment links to collect funds from others, all through the same Qash account. It supports personal remittances as well as merchant-style payment collection for businesses.

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.

SukuPay enables global money transfers between phone numbers using blockchain infrastructure without apps, fees, or traditional banking intermediaries while maintaining full user custody through account abstraction technology.

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.

LBank Exchange is a centralized cryptocurrency exchange offering spot and futures trading, along with margin, leveraged tokens, and tokenized traditional-market instruments settled in a dollar stablecoin. The platform provides copy trading that lets users mirror strategies from other traders, automated grid trading bots, peer-to-peer transfers, and a token launchpad for early-stage projects. It also offers flexible and locked staking programs, fiat on-ramps across multiple payment methods and currencies, and a linked payment card for spending crypto balances at merchants. Users manage all of these functions through a single account and interface, with access via web, mobile apps, and API. The exchange supports trading across a wide range of cryptocurrencies and multiple blockchains.

DitoWallet is a neobank mobile app that provides digital accounts in Bitcoin, USDC, USDT, and a peso-pegged stablecoin, alongside dollar and euro balances. Users hold, convert, and send these balances, spend through a linked Mastercard card, and pay bills or receive cross-border remittances directly from the app. The service targets individuals across Latin America who lack easy access to traditional banking, combining crypto asset custody with everyday payment and money-transfer functions in one account.

DitoBanx Empresas is a financial services platform that gives businesses and individuals multi-currency accounts, business Mastercard cards, and holdings in Bitcoin and stablecoins alongside traditional fiat balances. It routes international transfers over multiple payment rails, letting companies send and receive funds across countries with traceable, permissioned transactions. The platform also supports mass payment disbursement, treasury management, lending, and cross-border remittances for SMEs, corporations, and fintechs operating across Latin America.

Myaza is a multi-currency digital wallet that lets individuals hold, send, and spend money across borders. Users hold balances in several currencies, convert between them at live market rates, and send funds to bank accounts, mobile money wallets, or other Myaza users across multiple African countries. The app also issues a USD virtual card accepted by international online merchants and subscription platforms, letting users spend globally without relying on a local card.

Tapnob is a consumer payment app that lets users buy Bitcoin with local currency and sell Bitcoin and stablecoins for settlement to a bank account. Users can activate a reusable payment address that settles incoming Bitcoin to their bank automatically, send money to recipients who need no crypto wallet, and pay bills such as airtime, data, electricity, and cable TV. It serves freelancers, diaspora senders, and everyday users in Nigeria.

SarafSend is a peer-to-peer crypto transfer and remittance service within the Traveeqo platform that lets users send cryptocurrency to recipients worldwide. Users can also buy and sell crypto at real-time exchange rates through the same interface.

Send App is a cross-border remittance application that facilitates money transfers from the diaspora to over 34 African countries through local bank accounts, mobile money wallets, and cash pickup locations, supporting transfers from the US, UK, Canada, and Europe.

MoneyWave is a China to Africa import platform for African buyers. It publishes a supplier directory with trust scores built from public buyer comments, pays supplier invoices in the supplier's local currency, and sells wholesale stock held in local warehouses. Importers can also use it to arrange sourcing and shipping.

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.

MiniPay Wallet is a mobile self-custodial wallet for holding, sending, and spending dollar stablecoins. It lets users receive payments via phone number, convert local cash to stablecoins and back through third-party partners, send funds internationally with low fees, and share payments through shareable cash links. The wallet also provides virtual USD and EUR account details for receiving payments and supports mini apps that run inside its in-app browser for bill payments, vouchers, and other everyday services.

Orbi Pay is a peer-to-peer payment feature that enables instant transfers of stablecoins between Orbi account holders without network fees. Users send and receive funds using usernames rather than wallet addresses, simplifying transfers between accounts on the platform. It is designed for everyday transfers among Orbi users rather than external blockchain transactions.

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.

Stvble Pay is a business payments tool that allows users to pay in cryptocurrency while recipients settle in a chosen fiat currency. Payers set up a payment, deposit crypto, and upload an invoice, and the transaction is verified before funds are delivered to the recipient in their preferred currency. The service targets cross-border transactions and aims to reduce settlement inefficiencies. The product is in development and not yet publicly accessible.

Amero On/Off Ramp is a payment service that lets users convert cash and traditional payment methods into digital assets and back. It supports bank transfers, cards, and cash transactions at convenience stores and banks across Latin America, alongside a partnership enabling cash withdrawals and deposits at physical remittance locations. Users can also send stablecoin remittances to recipients and access a virtual United States dollar account for receiving international payments.

Fincra APIs is a payments infrastructure platform providing developers with unified REST endpoints for collecting, converting, and disbursing funds across multiple currencies and payment methods. Businesses integrate checkout pages, payment links, virtual accounts, and direct debit into their own applications to accept customer payments, then use payout and money transfer endpoints to send funds to beneficiaries across many countries. The platform also offers currency conversion between supported currencies and identity verification to validate customer information during onboarding. Authentication, webhooks, and rate limiting support integration into fintech, e-commerce, payroll, and remittance applications.

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.

Wallbit is a neobank offering Latin American and global users a US dollar-denominated financial account accessible through a single mobile app. It provides checking-style balances in dollars, euros, and stablecoins with ACH and wire transfer support, an international Visa debit card for spending abroad, and a brokerage account for investing in US stocks, ETFs, and Treasury instruments. Users can also withdraw funds directly to local bank accounts, pay household bills, and make QR-based point-of-sale payments in supported countries. The platform accepts deposits in fiat and select stablecoins and converts balances for local spending and withdrawal.

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.

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.

Architecton P2P Market enables peer-to-peer token exchange where users independently set asset valuations for trading TON blockchain tokens. The market facilitates direct user-to-user transactions without centralized order books.

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.

Wallib OTC is an over-the-counter trading and cross-border transfer service for businesses, institutions, and high-volume individuals moving Bitcoin and stablecoins. It negotiates pricing bilaterally outside public order books, settling large-volume conversions between traditional currency and digital assets through Lightning Network transfers and local payment rails. The service extends to corporate remittances and international payment transfers for personal, fiduciary, and corporate accounts, supported by dedicated onboarding and account management.

Yodl Pay is a mobile application that lets travelers make stablecoin payments by scanning everyday local QR codes such as PIX, VietQR, GCash, and QR Ph. Users pay merchants directly from a self-custodial wallet, with funds converted so the merchant receives their own local currency rather than crypto. The app targets travelers and digital nomads paying in person in supported countries, removing the need to hold or exchange local cash or use traditional card rails.