# SurgePay > The world is moving fast. Your money should too. SurgePay is a fintech company providing multi-currency wallets, cross-border payments, and virtual cards built on blockchain technology. It serves African users and the global diaspora who need fast, low-fee international money transfers. SurgePay is a financial technology company offering multi-currency digital wallets, cross-border payment transfers, and virtual card issuance for online and offline spending. It targets African users and the global diaspora, including freelancers, traders, and remote workers who send or receive money across borders. Users can hold balances in multiple currencies, convert between them at market rates, and spend through stablecoin-backed virtual cards. The platform addresses the high cost and slow speed of traditional remittance services by settling transfers on a blockchain network rather than legacy banking rails. Transactions rely on stablecoins to combine the price stability of fiat currency with faster settlement than conventional cross-border transfers. SurgePay positions itself as a single platform that consolidates receiving, holding, sending, and spending money, rather than requiring separate apps for each function. Its offering spans multi-currency wallets, instant peer-to-peer transfers, and virtual borderless cards, supplemented by business tools such as payroll and invoicing for small enterprises. It provides banking-like services through partner institutions rather than operating as a bank itself. The platform is used by individuals sending remittances, diaspora communities supporting family members, and cross-border traders and freelancers managing income in multiple currencies. - Type: Company - Sector: Payments - Status: Active - Founded: 2025-02-24 - Profile: https://thegrid.id/profiles/surgepay ## Products - [SurgePay](https://thegrid.id/profiles/surgepay): 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. (Wallet, Live, Main Product) ## Links - [Main](https://surgepay.tech) - [Blog](https://surgepay.tech/blogs) - [Twitter / X](https://x.com/surgepay_io) - [Instagram](https://www.instagram.com/surgepay_io) - [Threads](https://www.threads.com/@surgepay_io) - [LinkedIn](https://www.linkedin.com/company/surge-pay-technology) - [Facebook](https://www.facebook.com/share/185UhkyjMX/?mibextid=wwXIfr) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. 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