Send money home.
From your card.
Tranflux is a card-first cross-border payments platform built for the African diaspora. Lock the FX you see, deliver to a bank account or a Tranflux Card Account — and never touch a wallet you don't need.
- $0
- to open an account
- < 3 min
- to deliver
- 190+
- destinations
Tranflux
Card Account
•••• •••• •••• 4271
Cardholder
Adaeze Okonkwo
Expires
08/29
Trusted infrastructure
- PCI-DSS Level 1
- SOC 2 Type II
- ISO 27001
- GDPR
- Licensed payment partner
Built for diaspora senders.
Loved by African recipients.
Every part of the stack — pay-in, FX, KYC, ledger, cards, payouts — was designed from scratch to remove the friction other remittance products bake in.
Card-on-file pay-in
Senders pay from their own debit or credit card. No pre-funding, no platform balance, no friction.
Dual payout model
Send to a local bank account (External Payout) or directly to a Tranflux Card Account (Internal Funding) — the choice is yours.
Locked FX, every time
We fetch a live rate, layer our transparent margin, lock it for 30 seconds, and execute at the exact number you saw.
Sanctions & KYC
Multi-provider screening on every transfer. Multi-provider eKYC plus an independent compliance layer keep funds clean.
Virtual Card Account
Africa recipients get a multi-currency wallet with a Visa/Mastercard — spend online, withdraw at any ATM.
Immutable ledger
Every debit and credit is a balanced, append-only entry. Reconciles against provider balances every five minutes.
Five steps. Three minutes. Zero pre-funded wallets.
A single, deterministic payment pipeline powers every transfer. Card charge, screen, FX, wallet credit, payout — all atomic, all observable.
- Step 01
Charge card
Sender taps pay — funds are captured from their debit or credit card via PCI-compliant hosted form.
- Step 02
Screen
Sanctions and counter-party screening run in milliseconds before funds are committed.
- Step 03
Lock FX
A locked-rate quote is fetched, displayed to the user, and executed atomically.
- Step 04
Wallet credit
Recipient's Tranflux Card Account (wallet + virtual card) is credited in local currency.
- Step 05
Payout
External payout to a local bank account, or instant spend on the recipient's virtual card.
Two ways to land. One decision to make.
Most platforms force recipients into one path. Tranflux gives senders a choice at the moment of transfer — and the same locked FX either way.
External Payout
Card → FX → beneficiary bank account. The recipient never needs a Tranflux account. Funds land in their existing local bank in minutes, regardless of bank.
- Best for: parents, family, recurring bills
- Supports 190+ destination countries
- Reaches all major local banks & mobile wallets
Internal Funding
Card → FX → recipient's Tranflux Card Account. Funds are immediately spendable on the virtual card or withdrawable to their own bank.
- Best for: people on Tranflux, students, gig workers
- Recipient gets a Visa/Mastercard they can use instantly
- Withdraw to own bank or spend online / at POS
$0 platform fees on your first transfer to any of these countries.
Live rates are pulled at the moment you confirm. Locked for 30 seconds. No mid-flight surprises.
US → NG
1 USD = 1,605 NGN
UK → KE
1 GBP = 165 KES
CA → GH
1 CAD = 13.8 GHS
EU → TZ
1 EUR = 2,650 TZS
AU → ZM
1 AUD = 16.4 ZMW
US → UG
1 USD = 3,720 UGX
190+
destination countries
< 3 min
average arrival time
0.85%
all-in FX margin
99.99%
platform uptime
Bank-grade by design. Audited by default.
We don't bolt security on at the end. The platform ledger is append-only. Every transfer runs through independent compliance screening. Every webhook is HMAC-signed.
Immutable ledger
Double-entry, append-only. Net-zero per transaction. Reconciled to provider every 5 minutes.
Sanctions screening
ComplyAdvantage & Sanctions.io on every transfer. Hold or reject based on confidence score.
PCI-DSS Level 1
Card data never touches our servers. Hosted form and 3DS keep PAN and CVV off the wire.
Region-aware
Different rules for diaspora and Africa users. KYC gates, region-specific features, role-based control.
Ready to send your first transfer?
Open a Tranflux account in under three minutes. No paperwork, no pre-funding. First transfer is on us.