List of Peer to Peer & Remittance projects in Web3 (2026)

SurgePay is a mobile money app that provides multi-currency wallets, cross-border transfers, and virtual cards for users sending and receiving money across Africa and the diaspora. It runs on a public blockchain network, using stablecoins to move value between currencies before settling to local bank accounts or mobile money wallets. Users convert balances at live exchange rates, send funds to bank accounts or other wallets, and issue virtual cards funded by stablecoins after completing identity verification. The app also supports bridging stablecoin balances from other blockchain networks into the user's wallet to fund transfers and card top-ups.

Cowbolt is a non-custodial wallet application that lets teams, friends, and families split shared expenses and settle balances using Bitcoin and a dollar-pegged stablecoin. Users track group costs, message privately within the app, and send peer-to-peer payments directly from self-custodied wallets. Settlement runs over the Bitcoin Lightning Network and the Liquid Network, giving users low-cost, near-instant cross-border transfers without an intermediary holding their funds. The application is in open beta, with the team continuing to gather user feedback.

Payy Wallet is a self-custodial mobile app for holding, sending, receiving, and spending stablecoins without managing chains, addresses, or transaction details directly. It generates keys on the user's device, moves value over Payy Network for private, low-cost transfers, and lets users create claimable payment links that recipients redeem through everyday messaging apps instead of copying wallet addresses. Public balances and payment history are not exposed, and users can fund the wallet from crypto exchanges or other wallets. The app underlies Payy's card product, letting verified users extend their stablecoin balance to everyday spending.

Cenoa is a digital banking app that provides freelancers, remote workers, and e-commerce sellers in emerging markets with free US dollar and European euro accounts. It enables zero-fee collection of international payments through ACH, wire, and SEPA transfers, instant withdrawal to local currency, and conversion between fiat and stablecoins through a non-custodial wallet. Users can also spend stablecoin balances via a linked card and access built-in freelance productivity tools, while managing everything from a single mobile or web app.

Levl is a B2B payments infrastructure platform enabling businesses to process cross-border payments in fiat currencies and stablecoins through a unified API. The platform provides named accounts in USD, GBP, and EUR for fund collection and reconciliation, currency conversion and fiat-stablecoin on/off ramp services, POBO (Payment on Behalf Of) accounts for executing outbound payments in clients' names, API-based cross-border remittances, crypto payment acceptance and processing, and card payment processing. Businesses integrate via API, dashboard, or OTC desk. The platform is operated by two regulated entities across Switzerland and Canada, with fiat accounts and card acquiring delivered through licensed banking partners.

Hizo is a mobile application for Naira-denominated cross-border payments and remittances across multiple African countries. Users fund a wallet via a virtual account and send money to recipients through mobile money or bank payouts, with the recipient receiving the equivalent in local currency and live exchange-rate conversion applied automatically. The app also issues a virtual dollar-equivalent prepaid card, funded directly in Naira, that account holders use for online and in-store payments on global platforms. Identity verification is required before wallet funding and transfers are enabled, and the service is supported by round-the-clock customer support.

SuperCash is a self-custody wallet that enables stablecoin payments at local merchants. Users deposit supported stablecoins and pay by scanning local QR payment codes, with settlement into local payment rails handled by third-party partners. The wallet allows spending without identity verification up to set daily and monthly limits, with higher limits and cashback multipliers available through paid membership tiers, while private keys remain under user control.

Stablepay is a stablecoin payment network that connects wallets, telcos, fintechs, and financial institutions to enable consumer and merchant payments across Africa. The platform lets users send stablecoins that are automatically converted and settled in local currency in real time, with payments authenticated directly from the sender's wallet. It supports both person-to-person transfers through a stablecoin credential linked to a wallet and direct spending at merchants, bill payments, and mobile money transfers, operating on a public blockchain network.

BNKA is a neobank platform that provides multi-currency accounts for people living between Europe and Latin America. Users hold balances in euros alongside Argentine pesos, Peruvian soles, or Colombian pesos, receive a European IBAN for salary or client payments, and convert between currencies in real time. The platform supports cross-border transfers along corridors to Argentina, Peru, and Colombia, along with bill payment and mobile top-up services for accounts back home. A linked payment card is also available for spending in local currency. Underlying financial services, including account safeguarding and card issuance, are provided by regulated third-party institutions rather than by the platform operator itself.

Karsa is a neobank that provides a virtual US dollar account for people in emerging markets to save, receive, and spend money internationally. It converts local currency deposits into dollar-denominated stablecoins by routing funds through a network of verified peer-to-peer stablecoin traders, while abstracting wallet and key management so users interact with a bank-like interface. The app supports multi-currency balances, cross-border transfers to a wide range of countries, and a debit card for global spending, with funds held in self-custody wallets rather than a centralized custodian.

BCRemit Money Transfer facilitates cross-border remittances through USDC blockchain integration, enabling transfers to Philippine bank accounts, e-wallets, and cash pickup locations. The system processes transactions using Circle's USDC stablecoin for faster settlement while maintaining traditional user interfaces.

CPayant Payment Platform provides peer-to-peer cross-border payment services across Africa using Celo blockchain infrastructure. The platform supports both smartphone users through mobile and web applications, and feature phone users through USSD access. The system uses cUSD stablecoin for transactions and includes biometric wallet security.

WorldRemit is a digital remittance platform enabling international money transfers to bank accounts, mobile money wallets, and cash pickup locations. The service supports payments via bank deposit, debit card, and credit card, processing transfers across multiple countries with multiple receive methods including airtime top-up and mobile money.

Sendwave is a remittance platform providing international money transfers to Africa, Asia, and Latin America through mobile and web applications. The service facilitates bank transfers, mobile money deposits, and cash pickup with transparent pricing. Sendwave integrates optional stablecoin wallet functionality via USDC on Solana, enabling users to store digital dollar balances, send peer-to-peer transfers within the Sendwave network, and access enhanced rates or cashback in select markets.

Peach Bitcoin is a mobile P2P marketplace that connects Bitcoin buyers and sellers directly without intermediary custody. Users post buy or sell offers, get matched, and complete trades using their chosen fiat payment method, with Bitcoin secured in a 2-of-2 multisig escrow throughout. Dispute resolution is available through Peach mediators using end-to-end encrypted chat. The platform supports cash trades at Bitcoin meetup locations in addition to online payment methods.

Higlobe provides USD receiving accounts and cross-border payment processing for professionals receiving payments from US companies. The system processes ACH transfers and wire payments while enabling withdrawals to local bank accounts through stablecoin settlement infrastructure. Users can earn 3% annual yield on account balances through integrated stablecoin mechanisms, with returns accrued daily and paid weekly. The platform includes prepaid USD Mastercard issuance, allowing users to convert account balances into virtual cards for global spending with mobile wallet integration.

Felix Pago is a money transfer service that enables users in the United States to send funds to Latin American countries through WhatsApp. Users initiate a transfer by chatting with the Felix bot on WhatsApp, specify an amount and recipient, and pay by card or cash at partner retail locations. Recipients receive funds to bank accounts, mobile wallets, or at cash pickup locations across Mexico, Guatemala, Honduras, El Salvador, Colombia, Dominican Republic, Nicaragua, Ecuador, and Peru. No additional app download is required.

OfflinePay is a fully offline-enabled financial system designed for private peer-to-peer digital payments without internet connectivity. The system enables users to send and receive payments within local networks, providing financial transaction capabilities in remote or disrupted environments for the unbanked and underbanked.

Riva is a cross-border payments platform that enables businesses to send and receive global transfers using blockchain technology and traditional payment rails. The platform provides multi-currency accounts, real-time FX hedging tools, and smart routing to optimize speed and cost for each transaction.

Aspora Remittance App is a mobile application for cross-border money transfers, providing live exchange rates and transparent fee structures for sending funds to India. Users authenticate, select recipients, enter transfer amounts, and confirm transactions through bank transfers or card payments. The application supports transfers from UK, UAE, EU, and US to Indian bank accounts, utilizing stablecoin rails.

Remitly is an international money transfer service for consumers available on web and mobile, enabling cross-border transfers with delivery to bank accounts, mobile wallets, or cash pickup.