Solutions / Remittance
Send Money Home For Free
Zero transaction fees on P2P transfers to 30+ countries. Your family gets every cent — no middlemen, no hidden charges, no delays.
THE CHALLENGE
Traditional remittance is broken
Every year, families lose billions to remittance fees. Between the banks, the middlemen, and the hidden FX markups, you're lucky if 90% of what you send actually arrives. That's money taken from the people who need it most.
Upesa changes that. P2P transfers between Upesa users are completely free — no fee on either end, no FX markup, no delay. Just money moving at the speed of the internet.
HOW UPESA SOLVES IT
Why nomads and families choose Upesa
Built for people who move. Financial tools that keep up with your lifestyle.
Zero P2P Transaction Fees
Send any amount to Upesa users in 30+ countries for free. No fees or hidden charges.
Under 60-Second Delivery
Transactions on Stellar take under 60 seconds. Your family accesses funds immediately.
30+ Supported Countries
Send to Nigeria, Ghana, Kenya, Senegal, South Africa, UK, Germany, and more. We're expanding corridors every quarter.
MPC-Secured Wallet
Funds are protected with Multi-Party Computation — no single point of failure, no key theft risk, enterprise-grade protection.
Built for seamless remittance
Every feature is designed to make sending and receiving stablecoin as simple, fast, and affordable as possible.
Instant P2P Transfers
Send directly to any Upesa wallet address. Transfers settle on the Stellar blockchain in real-time with no middlemen involved.
Virtual Accounts (USD, EUR)
Receive international income in your dedicated virtual account and forward it home. Perfect for diaspora workers collecting earnings abroad.
Stableswap Conversion
Instantly swap USD to NGN or other local currency. Send money into your friend's, family's or dependant's bank account or mobile money wallet
HOW IT WORKS
HOW IT WORKS
Swap in 5 simple steps
From selecting your currencies to receiving swapped funds — the entire process takes seconds.
Download & Sign Up
Download Upesa, choose Personal Purpose, and complete KYC verification in under 5 minutes.
Add Your Recipient
Add your recipient's (family, friends, dependants) local bank detailsAdd your recipient's (family, friends, dependants) local bank details
Enter Amount & Confirm
Select the recipient, enter the amount in USD or NGN and tap Send.
Funds Arrive Instantly
Your family receives the full amount in under 60 seconds. They get an instant notification the moment it lands.
Download & Sign Up
Download Upesa, choose Personal Purpose, and complete KYC verification in under 5 minutes.
Add Your Recipient
Add your recipient's (family, friends, dependants) local bank detailsAdd your recipient's (family, friends, dependants) local bank details
Enter Amount & Confirm
Select the recipient, enter the amount in USD or NGN and tap Send.
Funds Arrive Instantly
Your family receives the full amount in under 60 seconds. They get an instant notification the moment it lands.
FAQ
Frequently asked questions
Common questions about remittance
Yes — completely free, on both ends. There are no flat fees, no percentage-based fees, and no hidden FX markups on P2P transfers between Upesa wallets. The sender pays $0 and the recipient receives 100% of the transferred amount.
