Cross-border money transfer

Send money home in 5 minutes, for under $1.

Send USDT to family worldwide and let them spend locally through their UPay card—without long bank-wire waits or high traditional transfer fees.

⚡ Fast settlement✓ Transparent network fees◎ 168 countries
🇬🇧
London
Sender
🇳🇬
Lagos
Recipient
Sending
$300 USDT
Recipient gets
$299.50 USDT*
Popular corridors

Major destinations, no hidden cuts.

UPay supports transfers into 168 countries. Availability, limits, and fees can vary by location and card tier.

🇳🇬 Nigeria

Recipients can hold dollar value and spend through supported Visa merchants.

FeeFrom ~$0.50*TimeFrom 5 min*

🇵🇭 Philippines

A practical route for overseas workers supporting family at home.

FeeFrom ~$0.50*TimeFrom 5 min*

🇮🇳 India

Send stablecoin value that recipients can access through their UPay wallet.

FeeFrom ~$0.50*TimeFrom 5 min*

🇵🇰 Pakistan

Useful for common remittance routes from the Gulf, UK, and US.

FeeFrom ~$0.50*TimeFrom 5 min*

🇰🇪 Kenya

Direct transfer into a supported UPay wallet for local card spending.

FeeVaries*TimeVaries*

🇪🇬 Egypt

Hold stablecoin value until it is needed for an eligible purchase.

FeeVaries*TimeVaries*

🇻🇳 Vietnam

Designed for straightforward transfers from family members abroad.

FeeVaries*TimeVaries*

🇦🇷 Argentina

Keep transferred value in USDT until the recipient chooses to spend.

FeeVaries*TimeVaries*
How it works

From sender to spending in four steps.

01

Create and verify

Open a UPay account and complete the identity checks available in your region.

02

Add the recipient

Confirm the recipient's supported wallet address before sending.

03

Send USDT

Choose a supported network and review the address, amount, and fee.

04

Recipient spends

After settlement, eligible funds can be used through the recipient's UPay card.

Fee comparison

See the cost before you send.

Illustrative comparison only. Confirm live fees, exchange rates, limits, and delivery estimates before every transaction.

MethodIndicative feeIndicative speedRecipient access
UPay / USDTNetwork fee shown before sendingOften minutes*Supported UPay wallet/card
Money transfer serviceProvider and FX markup may applyMinutes to daysCash or bank, by market
International bank wireBank and intermediary fees may applyUsually business daysBank account
Common uses

Built for everyday cross-border support.

Family support

Send funds home without relying on branch opening hours.

International salary

Receive supported stablecoin payments without an automatic local-currency conversion.

Multi-country households

Keep family transfers within supported wallets and card access.

Time-sensitive transfers

Send at any time, subject to compliance checks and network conditions.

Clear transaction status

Use blockchain settlement records and in-app status updates.

Hold USDT value

Recipients may keep USDT until they choose an eligible way to spend it.

FAQ

What people ask first.

Does the recipient need technical experience?

No. They use the UPay app, complete the required verification, and access supported wallet and card features. Availability varies by country.

What if I send to the wrong wallet address?

Blockchain transfers are generally irreversible. Always check the full wallet address and selected network before confirming.

Which network should I use?

Use only a network supported by both the sending wallet and UPay. Compare the live network fee and estimated settlement time in the app.

Is the service available everywhere?

Services, cards, limits, and verification requirements differ by jurisdiction. Check the current supported-country list and local rules.

What does the recipient pay to spend?

Fees depend on country, card tier, transaction type, and current terms. Review the in-app fee schedule before using the card or an ATM.

Ready to make a transfer?

Review current country availability, fees, supported networks, and verification requirements before sending.

Examples are illustrative, not guaranteed. Network conditions, compliance reviews, country support, card eligibility, and fees can change.