Every piece of a remittance product.
Already on the truck.
From card-on-file pay-in to virtual card issuance, FX locking to sanctions screening, and an immutable ledger — the features below ship together, work together, and ship with the platform.
190+
destination countries
3 min
median arrival time
0.85%
blended FX margin
99.99%
platform uptime
One pipeline. Five steps. End-to-end observable.
Every transfer — whether external payout or internal funding — flows through the same atomic pipeline. No magic, no hand-waving.
- 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 Remiglobe 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.
Everything you'd build. Already built.
The full Remiglobe feature set, organized the way a product team would use it.
Remiglobe
Card Account
•••• •••• •••• 4271
Cardholder
Adaeze Okonkwo
Expires
08/29
Remiglobe
Card Account
•••• •••• •••• 8810
Cardholder
Tunde Bakare
Expires
08/29
Card-on-file collection that respects PCI
Capture funds from debit or credit cards without ever touching PAN, CVV, or PIN. Our hosted form, 3DS where required, and a tokenized card-on-file for repeat senders.
- PCI-DSS Level 1 hosted form — card data never reaches Remiglobe servers
- 3D Secure with issuer-driven friction reduction
- Tokenized card-on-file (no PAN stored locally) for repeat senders
- Bank transfer pay-in via Virtual Account Numbers (VAN)
- Per-method, per-KYC-tier pay-in limits enforced at quote time
1 USD = 1,605.00 NGN
Locked 30s · $1.99 fee
1 USD = 129.50 KES
Locked 30s · $2.49 fee
1 USD = 15.30 GHS
Locked 30s · $1.99 fee
1 USD = 18.20 ZAR
Locked 30s · $2.49 fee
Locked-rate quotes and market-rate execution
We fetch a live quote, surface a single transparent rate, and lock it for 30 seconds. The user sees the exact number, then we execute at that number — atomically.
- Locked-rate and market-rate (immediate) execution
- Transparent breakdown: interbank rate + provider markup + platform margin
- Configurable lock period per corridor (default 30s, up to 24h)
- Fallback to alternative provider adapters (Circle/Bridge, Yellow Card, Thunes)
Mum (GTBank)
Bank ••4271
Tunde (KCB)
Bank ••8810
Esi (Ecobank)
Bank ••0019
Kwame (Stanbic)
Bank ••2244
Money to a bank account — any bank, any country
The recipient doesn't need a Remiglobe account. We route funds to local bank accounts in 190+ countries via our payment infrastructure.
- Bank transfer, mobile wallet, Visa Direct, and card credit rails
- Bank routing-code validation before commit
- Lifecycle tracking via Fetch Remittance Lifecycle Status
- Webhook-driven settlement confirmation (no polling)
Remiglobe
Card Account
•••• •••• •••• 4271
Cardholder
Adaeze Okonkwo
Expires
08/29
Remiglobe
Card Account
•••• •••• •••• 8810
Cardholder
Tunde Bakare
Expires
08/29
A Remiglobe Card Account, ready to spend
For transfers between Remiglobe users, funds credit the recipient's Remiglobe wallet and are immediately spendable on their virtual card or withdrawable to their own bank.
- Wallet-to-wallet transfers via internal ledger
- Auto-provisioned virtual card (Visa or Mastercard) on KYC pass
- PIN management, freeze / unfreeze, monthly and per-tx caps
- Auto-withdraw to recipient's own bank, scheduled or on demand
Capture
eKYC redirect or doc + selfie
Verify
KYC provider responds
Activate
Wallet + card provisioned
Identity verification that doesn't punish honest users
Our eKYC provider handles UK/EU/AU redirect flows, document + selfie for non-US international, and SSN-based for US residents. An independent sanctions layer runs on every transfer.
- eKYC redirect, document + selfie, SSN-based — per region
- ComplyAdvantage + Sanctions.io screening on every transfer
- Hold and review flow for medium-confidence matches
- Document storage in S3 with audit-log access records
An immutable financial record
Every debit and credit is a balanced, append-only entry. Reconciliation runs every five minutes. Reversals are explicit counter-entries, never edits.
- Double-entry, net-zero per transaction
- Append-only — no UPDATE/DELETE at the database level
- Monotonic sequence numbers for deterministic ordering
- Per-wallet reconciliation with discrepancy flagging
Roadmap — what we're shipping
Remiglobe is built in public. Everything below is on the published roadmap.
Split payments
Send $300 split across two recipients in a single card charge. Two independent payout jobs, one transaction history entry.
Rate alerts
Set a target rate for any corridor. We push when the market hits it. Tap the notification to pre-fill a transfer.
Transfer receipts
PDF receipts with QR-verifiable signatures, generated server-side at settlement.
Group savings pools
Ajo/Susu for the modern diaspora — invite-only rotating savings, automated contribution collection and disbursement.
Ready to start sending?
Open your account in under three minutes and send your first transfer today. No paperwork, no pre-funding.
- 190+ destination countries
- Locked FX rates on every transfer
- Bank-grade security and compliance
- Instant delivery to most corridors
- 99.99% platform uptime