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

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.

BNKA is a neobank platform that provides multi-currency accounts for people living between Europe and Latin America. Users hold balances in euros alongside Argentine pesos, Peruvian soles, or Colombian pesos, receive a European IBAN for salary or client payments, and convert between currencies in real time. The platform supports cross-border transfers along corridors to Argentina, Peru, and Colombia, along with bill payment and mobile top-up services for accounts back home. A linked payment card is also available for spending in local currency. Underlying financial services, including account safeguarding and card issuance, are provided by regulated third-party institutions rather than by the platform operator itself.

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.

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.

Sendwave is a remittance platform providing international money transfers to Africa, Asia, and Latin America through mobile and web applications. The service facilitates bank transfers, mobile money deposits, and cash pickup with transparent pricing. Sendwave integrates optional stablecoin wallet functionality via USDC on Solana, enabling users to store digital dollar balances, send peer-to-peer transfers within the Sendwave network, and access enhanced rates or cashback in select markets.

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.