We replace 4 banking intermediaries with 1 blockchain transaction. Target: under 1% fees, sub-minute delivery to bank accounts, UPI, mobile wallets, and more — across 10 countries.
Banks and legacy providers charge 6.2% average fees on international transfers. Here's how the money disappears.
World Bank data: a $500 transfer costs $31 in fees before it even moves. Most of this goes to intermediary banks you never see.
Your money passes through 2–4 correspondent banks. Each adds processing delay. Families wait days for urgent money.
Providers advertise 'zero fees' but markup the exchange rate by 2–4%. You never see the true cost until the money arrives.
Sender's bank → Correspondent bank → SWIFT → Clearing house → Recipient's bank. Every hop takes a cut and adds risk.
That's $48 billion per year extracted from migrant workers and their families. Money that should arrive — doesn't.
The entire SWIFT network — correspondent banks, clearing houses, processing delays — replaced by a single on-chain transfer costing $0.003.
Enter amount, pick destination, add recipient details. Get a real-time quote with full fee breakdown — no hidden costs.
USDT/USDC settles on Polygon in under 5 seconds. Gas cost: $0.003. No correspondent banks, no SWIFT, no delays.
A licensed partner in the destination country converts stablecoin to local currency at transparent market-rate FX.
Funds land in their bank, UPI, M-Pesa, GCash, SPEI, or SEPA account. No crypto wallet needed on their end.
We're targeting the world's highest-volume remittance routes — from the US, UK, UAE, and Canada to Asia, Africa, Latin America, and Europe.
The recipient never touches crypto. They receive local currency via the payment method they already use.
Send to any UPI ID. 10B+ monthly transactions on India's fastest payment rail.
IMPS, NEFT, SPEI, SEPA Instant, Faster Payments — domestic bank rails in every corridor.
M-Pesa, GCash, JazzCash, Easypaisa — ideal for unbanked recipients in emerging markets.
Mexico's real-time interbank transfer system. 30M+ daily transactions. Delivery in seconds.
Recipient collects cash at OXXO, Cebuana Lhuillier, or partner locations with a code + ID.
Push funds to Visa/Mastercard debit cards via Visa Direct or Mastercard Send.
Rates are projections based on target partner agreements. Final rates may vary.
Industry-reported average fees for a $500 USD→INR transfer. Zateway's fee is a target based on projected partner rates.
Send Money runs on the same technology stack as our production crypto payment gateway. These pieces are already working.
Live on Polygon, Solana, Base, BSC, Arbitrum, Optimism. Same settlement layer powers Send Money.
We never hold user funds. Payments route through smart contracts with deterministic outputs.
PII encrypted at rest (AES-256-GCM), in transit (TLS 1.3). HMAC-SHA256 webhook signatures.
Full analytics, API management, webhook config, transaction monitoring. All live.
Evaluating licensed partners for fiat delivery: Bridge, Transfi, Yellow Card, Bitso.
Identity verification and transaction monitoring via Sumsub. Required before launch.
No roadmap theater. What shipped, what's in progress, what's still on paper.
Public Coming Soon page + email capture + CSRF-exempt /api/waitlist. First 40+ emails captured in beta signal the right corridors to launch first.
Removed the misapplied g_csrf_token double-submit that broke every SPA sign-in. verifyIdToken + SameSite=Lax cookies + rate limiter stay.
10 routes locked for Phase 1 — US→IN/MX/PH/NG/GB/DE, GB→IN, AE→IN/PK, CA→IN. Picked on remittance volume, not vibes.
Talking to Bridge (Stripe), Transfi, and Yellow Card. Picking on coverage depth per corridor, not a single vendor. Target: one signed by end of Q2.
Rate limiting, abuse detection, and the plan-tier boot patch that fixed the production login 500s. Same engine will handle Send settlement.
Single corridor, invite-only from the waitlist. UPI delivery, $500 max per transfer, full tx hash disclosure in the receipt.
Add US→MX (SPEI), US→PH (GCash), GB→IN (UPI). Raise per-transfer limits once compliance flow is proven on corridor one.
My family wired $500 from India for my tuition. Western Union took $28and it arrived three days late. I'm building Zateway because sending money shouldn't cost more than the gas to run a blockchain transaction.
The payment gateway is live. The Send Money product uses the exact same infrastructure. Target: $3.75to send $500 anywhere. I'll keep you posted on real progress — no empty promises.
Which corridor matters most to you? mimansh@zateway.com — Mimansh
Can't wait for Send Money?
Our payment gateway is live. Accept USDT and USDC on your site today.