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

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.

Stablechat is an SMS-based payment protocol facilitating peer-to-peer USDC transfers via phone numbers, operating on Solana blockchain. The platform provisions self-custodial wallets secured with 2-of-2 Multi-Party Computation through Para infrastructure, enabling automatic wallet creation, one-time password authentication via SMS or USSD, and agent-based cash withdrawal networks across African countries.

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.

Hizo is a mobile application for Naira-denominated cross-border payments across multiple African countries. It supports peer-to-peer transfers from Nigeria to recipients via mobile money or bank accounts with live exchange-rate conversion, wallet funding via virtual accounts, KYC using BVN, and round-the-clock customer support.

Cowbolt is a collaborative payments app for managing shared expenses and peer-to-peer settlement using Bitcoin and Tether USDT. Users track costs, chat in private groups, and settle balances via a non-custodial wallet across Lightning and Liquid networks.

A self-custodial donation system enabling streamers to receive cryptocurrency directly through TON Blockchain smart contracts. The platform processes donations in TON, USDT, and approved jettons with automatic fee collection, delivering real-time alerts and multi-language text-to-speech notifications to stream overlays via server-sent events. Streamers connect wallets through TON Connect for non-custodial operation.

BeeTransfer Exchange Platform provides currency conversion services for digital wallet balances, enabling users to exchange USD from Skrill, Neteller, Wise, and Payoneer to Argentine Pesos or cryptocurrency. The system processes transactions through fiduciary partnerships and payment service providers for regulatory compliance.

BCRemit Money Transfer facilitates cross-border remittances through USDC blockchain integration, enabling transfers to Philippine bank accounts, e-wallets, and cash pickup locations. The system processes transactions using Circle's USDC stablecoin for faster settlement while maintaining traditional user interfaces.

CPayant Payment Platform provides peer-to-peer cross-border payment services across Africa using Celo blockchain infrastructure. The platform supports both smartphone users through mobile and web applications, and feature phone users through USSD access. The system uses cUSD stablecoin for transactions and includes biometric wallet security.

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.

Peach Bitcoin is a mobile P2P marketplace that connects Bitcoin buyers and sellers directly without intermediary custody. Users post buy or sell offers, get matched, and complete trades using their chosen fiat payment method, with Bitcoin secured in a 2-of-2 multisig escrow throughout. Dispute resolution is available through Peach mediators using end-to-end encrypted chat. The platform supports cash trades at Bitcoin meetup locations in addition to online payment methods.

Higlobe provides USD receiving accounts and cross-border payment processing for professionals receiving payments from US companies. The system processes ACH transfers and wire payments while enabling withdrawals to local bank accounts through stablecoin settlement infrastructure. Users can earn 3% annual yield on account balances through integrated stablecoin mechanisms, with returns accrued daily and paid weekly. The platform includes prepaid USD Mastercard issuance, allowing users to convert account balances into virtual cards for global spending with mobile wallet integration.

Felix Pago is a money transfer service that enables users in the United States to send funds to Latin American countries through WhatsApp. Users initiate a transfer by chatting with the Felix bot on WhatsApp, specify an amount and recipient, and pay by card or cash at partner retail locations. Recipients receive funds to bank accounts, mobile wallets, or at cash pickup locations across Mexico, Guatemala, Honduras, El Salvador, Colombia, Dominican Republic, Nicaragua, Ecuador, and Peru. No additional app download is required.

OfflinePay is a fully offline-enabled financial system designed for private peer-to-peer digital payments without internet connectivity. The system enables users to send and receive payments within local networks, providing financial transaction capabilities in remote or disrupted environments for the unbanked and underbanked.

Riva is a cross-border payments platform that enables businesses to send and receive global transfers using blockchain technology and traditional payment rails. The platform provides multi-currency accounts, real-time FX hedging tools, and smart routing to optimize speed and cost for each transaction.

Aspora Remittance App is a mobile application for cross-border money transfers, providing live exchange rates and transparent fee structures for sending funds to India. Users authenticate, select recipients, enter transfer amounts, and confirm transactions through bank transfers or card payments. The application supports transfers from UK, UAE, EU, and US to Indian bank accounts, utilizing stablecoin rails.

Remitly is an international money transfer service for consumers available on web and mobile, enabling cross-border transfers with delivery to bank accounts, mobile wallets, or cash pickup.