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

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.

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 accept and make payments using cryptocurrency anytime, anywhere. Users send and receive funds instantly through the Qash platform, supporting personal transfers and business payment collection in a seamless, borderless experience.

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.

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.

XEROF’s cross‑border payment solution uses Circle’s USDC infrastructure to provide instant global transfers with USD‑backed stability, reduced costs, and 24/7 availability.

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 for Latin America with built-in compliance and performance-guarantee escrow, enabling fast USD settlement while avoiding traditional banking delays.

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.

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.

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.

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.

Karsa is a neobank that provides a virtual US dollar account for people in emerging markets to save, receive, and spend money internationally. It converts local currency deposits into dollar-denominated stablecoins by routing funds through a network of verified peer-to-peer stablecoin traders, while abstracting wallet and key management so users interact with a bank-like interface. The app supports multi-currency balances, cross-border transfers to a wide range of countries, and a debit card for global spending, with funds held in self-custody wallets rather than a centralized custodian.

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.