Never miss a
payment
Use Fiatsend to send, receive, and track money by phone number, with every payment clearly confirmed.
Programmable payments for reliable transactions
Fiatsend is a global mobile money account that uses programmable money to make every payment traceable, reliable, and instant. Hold digital dollars and local currency, send to any mobile money account, and fix missing payments with verifiable, programmable payments tied to phone numbers.
Traceable payments
Every payment is programmable and auditable, so businesses always know who paid, when, and for what.
Interoperable settlement
Fiatsend connects different mobile money networks and digital dollars so payments can move and settle across providers without getting lost.
Phone-number accounts
Use a phone number as the account ID, powered by a MobileNumber NFT on chain.
Watch Money Move Globally
Convert digital dollars to local cash in seconds — no bank required.
Digital Dollars
From Fiatsend balance
Ghana mobile money
To any mobile money wallet
Fiatsend is Home Base
Replace single-network wallets with one Fiatsend account that works everywhere.
Your Phone, Your Account
Open a Fiatsend wallet with your phone number and keep your money in one place, independent of any single network.
Money at the Speed of Thought
Send and receive in seconds to contacts, even if they use different wallets.
Always Interoperable
Move money across networks and providers without thinking about where the other person is registered.
Built for Individuals & Businesses
Whether you're sending money to family or managing global business payments, Fiatsend provides the same powerful blockchain technology for everyone.
For Individuals
Personal money transfers made simple
Send to Family & Friends
Transfer money to loved ones anywhere in the world using just their phone number.
Low-Cost Transfers
Save up to 90% compared to traditional banks with transparent, competitive rates.
Multi-Currency Wallet
Hold and manage multiple currencies in one secure wallet.
Instant P2P Trading
Perfect for Binance P2P and other trading platforms with automatic completion.
For Businesses
Operational payments that don't go missing
Reliable payouts
Pay staff, agents, and suppliers across mobile money networks with full visibility on every payment.
Centralised balances
Hold digital dollars and local currency in one place while settling out to different mobile money networks.
Payment traceability
Track each payment from request to confirmation, by phone number, across all endpoints.
One Platform, Endless Possibilities
Whether you're an individual sending money to family or a business managing global payments, Fiatsend provides the same powerful blockchain technology, security, and ease of use for everyone.
Trusted by Thousands Worldwide
Join thousands of users who trust Fiatsend for their international payments and global money transfers.
Tiered KYC System
Compliance-friendly identity verification with multiple tiers for different transaction limits
Bank-Grade Security
Enterprise-level security with encrypted communications and secure key management
Regulatory Compliance
Built to meet international financial regulations and anti-money laundering requirements
Your funds are protected with enterprise-level security, regulatory compliance, and transparent operations. We're committed to maintaining the highest standards of security and privacy.
Your Phone Number is Your Digital Identity
Experience the future of digital identity. Your phone number becomes a MobileNumber NFT - a unique, verifiable identity on the blockchain that works across all networks.
Unique Digital Identity
Your phone number becomes a MobileNumber NFT - a unique, verifiable digital identity on the blockchain.
Global Accessibility
Access your Fiatsend account from anywhere in the world using just your phone number.
Secure & Transparent
Every transaction is recorded on the blockchain with your MobileNumber NFT as the identity anchor.
See Your MobileNumber NFT in Action
Your phone number becomes a unique digital identity that works across local mobile money networks and blockchain networks.
Your MobileNumber NFT
Interoperable Networks
One Number, Infinite Possibilities
Your phone number is your passport to the global financial system. No complex setups, no multiple accounts—just one number, endless opportunities.
Connecting the World's Financial Networks
Don't choose between networks - connect to all of them. Any mobile money network, bank, or blockchain network works together seamlessly through Fiatsend.
Connect to Every Network
Fiatsend creates true interoperability between local mobile money networks. Which means you can send money to and from any mobile money network.
Universal Access
Access any mobile money network through your Fiatsend account. No need for multiple apps or accounts.
Seamless Transfers
Send money between different wallet providers instantly — one Fiatsend interface for every network.
Best Rates
Get the best exchange rates by choosing the optimal network for each transaction. Smart routing saves you money.
Experience True Network Interoperability
Send money between any mobile money network instantly. Your phone number works across all networks through Fiatsend's blockchain infrastructure.
How People Use Fiatsend
Fiatsend is the primary wallet — local mobile money, banks, and agents are cash-in and cash-out endpoints.
Families using Fiatsend
Store savings in Fiatsend and cash out to local wallets only when needed.
Freelancers & creators
Get paid internationally directly into Fiatsend, then choose to cash out to local wallets or banks.
Merchants on Fiatsend
Accept payments to a Fiatsend business wallet from any customer phone number.
Try the P2P Experience
Experience how Fiatsend makes P2P trading seamless. Both parties transact in stablecoins for automatic completion.
Loved by Users
See what our users are saying about their experience with mobile money on blockchain.
"Fiatsend has revolutionized how I send money to my family. Converting USDC to mobile money is instant and the fees are incredibly low."
Kwame Asante
Software Engineer
Accra, Ghana
"Phone-linked identity makes everything so secure and convenient. No more complex KYC processes - just my phone number and I'm verified."
David Osei
Freelancer
Tema, Ghana
"Multi-currency accounts are a game-changer. I can manage my business finances across different currencies in one place."
Fatima Ibrahim
Entrepreneur
Kumasi, Ghana
Convert Stablecoins to Fiat
See live exchange rates for converting digital dollars (stablecoins) to local fiat currencies via mobile money networks.
Build Reliable Payments with Us
Join the ecosystem of developers building programmable payment infrastructure. Our APIs make it easy to integrate traceable payments and phone-number accounts into your applications.
One API. Global Coverage. Local Access.
Build programmable, traceable payments into your app with phone-number accounts, payment requests, and on-chain settlement — we orchestrate the mobile money rails for you.
Account-level APIs
Create and manage Fiatsend mobile money wallets for your users with a few REST calls.
Unified ledger
One balance and reporting layer across every payout endpoint you connect.
Local payouts anywhere
Fiatsend handles settlement into local wallets and bank accounts where we are live.
// Create a Fiatsend wallet and pay out to a mobile money number
const walletRes = await fetch('/api/v1/wallets', {
method: 'POST',
headers: {
'Authorization': 'Bearer YOUR_API_KEY',
'Content-Type': 'application/json'
},
body: JSON.stringify({
owner: {
phoneNumber: '+233XXXXXXXXX'
},
currency: 'USDC'
})
});
const wallet = await walletRes.json();
const payout = await fetch('/api/v1/payouts', {
method: 'POST',
headers: {
'Authorization': 'Bearer YOUR_API_KEY',
'Content-Type': 'application/json'
},
body: JSON.stringify({
walletId: wallet.id,
destination: {
type: 'mobile_money',
phoneNumber: '+233YYYYYYY'
},
amount: 100,
currency: 'GHS'
})
});
const result = await payout.json();
// { status: 'sent', transactionId: '...', channel: 'mobile_money' }Stablecoins power the Fiatsend ledger
Stablecoins power Fiatsend’s core ledger so users can hold value in digital dollars while still paying out to local mobile money and cash.
On-chain settlement; off-chain usability — your users only see a simple wallet.
Instant settlement between Fiatsend wallets and local endpoints
Transparent balances powered by on-chain reserves
Fully collateralized digital dollars that stay spendable in local cash
Ready to Transform Your Financial Life?
Join thousands of users who have already made the switch. Your journey to financial freedom starts with a single step.