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

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 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.

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.

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.

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.

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 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.

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 peer-to-peer remittance application that lets individuals send and receive money internationally without holding cryptocurrency or a self-custody wallet. Senders and recipients interact through a simple send-and-receive flow rather than exchange accounts or crypto wallets, with the underlying stablecoin conversion and settlement handled behind the scenes. The product is aimed at everyday consumers who want to move money across borders without managing digital assets directly.

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.

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.

XEROF Platform is a Swiss-regulated neobank that provides institutions, high-net-worth individuals, and Web3 companies with company-named IBAN accounts, crypto-to-fiat conversion, and international payment services. It combines licensed banking rails with blockchain settlement, letting businesses move funds between segregated IBAN accounts and digital wallets, convert between cryptocurrencies and fiat, and settle cross-border invoices, payroll, and treasury operations through a single account. It also enables stablecoin-based cross-border transfers and crypto-to-fiat settlement for real estate transactions, allowing buyers to retain crypto exposure until closing.

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.

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.

Cowbolt is a non-custodial wallet application that lets teams, friends, and families split shared expenses and settle balances using Bitcoin and a dollar-pegged stablecoin. Users track group costs, message privately within the app, and send peer-to-peer payments directly from self-custodied wallets. Settlement runs over the Bitcoin Lightning Network and the Liquid Network, giving users low-cost, near-instant cross-border transfers without an intermediary holding their funds. The application is in open beta, with the team continuing to gather user feedback.

Cenoa is a digital banking app that provides freelancers, remote workers, and e-commerce sellers in emerging markets with free US dollar and European euro accounts. It enables zero-fee collection of international payments through ACH, wire, and SEPA transfers, instant withdrawal to local currency, and conversion between fiat and stablecoins through a non-custodial wallet. Users can also spend stablecoin balances via a linked card and access built-in freelance productivity tools, while managing everything from a single mobile or web app.

Levl is a B2B payments infrastructure platform enabling businesses to process cross-border payments in fiat currencies and stablecoins through a unified API. The platform provides named accounts in USD, GBP, and EUR for fund collection and reconciliation, currency conversion and fiat-stablecoin on/off ramp services, POBO (Payment on Behalf Of) accounts for executing outbound payments in clients' names, API-based cross-border remittances, crypto payment acceptance and processing, and card payment processing. Businesses integrate via API, dashboard, or OTC desk. The platform is operated by two regulated entities across Switzerland and Canada, with fiat accounts and card acquiring delivered through licensed banking partners.

Hizo is a mobile application for Naira-denominated cross-border payments and remittances across multiple African countries. Users fund a wallet via a virtual account and send money to recipients through mobile money or bank payouts, with the recipient receiving the equivalent in local currency and live exchange-rate conversion applied automatically. The app also issues a virtual dollar-equivalent prepaid card, funded directly in Naira, that account holders use for online and in-store payments on global platforms. Identity verification is required before wallet funding and transfers are enabled, and the service is supported by round-the-clock customer support.

SuperCash is a self-custody wallet that enables stablecoin payments at local merchants. Users deposit supported stablecoins and pay by scanning local QR payment codes, with settlement into local payment rails handled by third-party partners. The wallet allows spending without identity verification up to set daily and monthly limits, with higher limits and cashback multipliers available through paid membership tiers, while private keys remain under user control.