AI-powered remittances on Stellar. 5-second settlement. No bank account needed. Crypto is invisible.
$800 billion sent across borders every year. $48 billion extracted in fees from the world's poorest families.
The global average cost to send $200. The UN target is 3%. Intra-Africa fees hit 15%+. Banks charge up to 25%.
Bank wires take 3-5 business days. Even "instant" services often hold funds for 24-48 hours behind the scenes.
Traditional remittance requires bank accounts. The people who depend most on remittances can't access the system.
Providers advertise low fees but embed profit in unfavorable exchange rates. The real cost is often double what's shown.
The user sends fiat. The recipient receives fiat. Blockchain is invisible.
Open the app. Enter how much to send and the recipient's phone number. See exactly what they'll receive.
Our AI scans Stellar's DEX in under 100ms, evaluating every possible path to deliver maximum value.
Stellar's path payment converts currencies in a single atomic transaction. 5-second finality. No counterparty risk.
Funds arrive via mobile money (M-Pesa, GCash), bank deposit, or cash pickup. No crypto knowledge needed.
AI is not a buzzword bolted onto a token. It's the core product.
Every transfer is optimized in real-time. The AI evaluates all paths on Stellar's DEX — order books, AMM pools, multi-hop routes — and selects the cheapest one.
For recurring senders, the AI learns optimal send windows based on historical FX patterns. Get alerts when rates are favorable.
Every transaction gets a risk score based on behavioral analysis, velocity checks, and sanctions screening. Low-risk transfers settle instantly.
Predicts corridor demand patterns — payday spikes, holiday surges — and pre-positions liquidity to reduce slippage.
RemittAI vs the incumbents and crypto competitors.
| Provider | Fees | Speed | AI | Mobile Money | No Bank Needed | Global |
|---|---|---|---|---|---|---|
| RemittAI | <1% | 5 seconds | Yes | Yes | Yes | Yes |
| Western Union | 5-10% | Hours-Days | No | No | Yes (cash) | Yes |
| Wise | 0.5-2% | 1-2 Days | No | No | No | Yes |
| Remittix (RTX) | ~1% | Minutes | No | No | No | Yes |
| Ripple (XRP) | Varies | 3-5 sec | No | No | No | Yes |
| SurgePay | Low | Seconds | No | Yes | Yes | Africa only |
| USDT on Tron | ~$1 | Seconds | No | No | No | Yes |
Fixed supply. Real utility. Revenue-backed burns.
From testnet to global remittance protocol in 18 months.
Join the community building the future of cross-border payments.