Remittance & Cross-Border Payments with Moneta
How individuals and businesses are using stablecoins to send money across borders instantly and affordably.
Near-Zero Fees
Send $1,000 for pennies instead of $50+ in traditional fees
Minutes, Not Days
Funds arrive in minutes instead of 3-5 business days
190+ Countries
Send to anyone with a smartphone, no bank required
24/7 Availability
No banking hours, holidays, or weekend delays
The Remittance Problem
Traditional remittance services are expensive, slow, and often inaccessible:
Cost Comparison: Sending $500 to the Philippines
| Service | Fee | Time | Recipient Gets |
|---|---|---|---|
| Western Union | $25 (5%) | 1-3 days | $475 |
| Bank Wire | $45 (9%) | 3-5 days | $455 |
| Wise | $8 (1.6%) | 1-2 days | $492 |
| Moneta | ~$0.50 (0.1%) | Minutes | $499.50 |
Save $24.50 per transfer (98% less than Western Union)
How Stablecoin Remittance Works
Sender Loads Stablecoins
Buy USDT/USDC with local currency via bank transfer, card, or cash at a local agent.
Instant Transfer
Send stablecoins to recipient's wallet address. Transfer completes in minutes.
Recipient Cashes Out
Recipient converts to local currency via exchange, local agent, or keeps in stablecoins.
Remittance Use Cases
Family Support
Send money home to family members regularly without losing significant amounts to fees.
Monthly $500 Transfer Savings
Business Payments
Pay international suppliers, contractors, and partners without expensive wire transfers.
- No $25-50 wire fees per transaction
- Same-day settlement
- No correspondent bank delays
Freelancer Payments
Receive payments from international clients without PayPal restrictions or high fees.
- Works in countries without PayPal
- No 4.4% + $0.30 PayPal fees
- Instant access to funds
Emergency Transfers
Send emergency funds instantly when family members need help urgently.
- 24/7 availability
- Minutes, not days
- No bank holiday delays
Global Remittance Impact
Stablecoins can help redirect billions of dollars from payment processors back to families who need it most.
How Recipients Access Funds
Keep as Stablecoins
Hold USD-pegged stablecoins as savings, protected from local currency inflation.
Local Exchange
Convert to local currency via crypto exchanges like Binance, Coinbase, or local platforms.
P2P Trading
Sell stablecoins to local buyers via P2P platforms for cash or mobile money.
Direct Spending
Use stablecoins directly at merchants accepting crypto payments.
Case Study: US to Nigeria Corridor
A family sending $800/month from the US to Nigeria switched to stablecoin remittances:
Ready to Send Money Smarter?
Start sending money to family and friends worldwide with near-zero fees.
Get started with remittances