Now live on 6 chains—Start accepting payments in 5 minutes
In Development

The cheapest way to send money anywhere.

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.

LIVE EXAMPLE
US → India
SEND
$500
RECEIVE
42,232 INR
Fee: $3.75
Speed: Instant
Via: UPI
0
Corridors at launch
0.00%
Target all-in fee
< 60s
Instant-rail delivery
$0B
Annual remittance market
0%
Cheaper than Western Union
The problem

$48 billion extracted from workers. Every year.

Banks and legacy providers charge 6.2% average fees on international transfers. Here's how the money disappears.

6.2%
Global average fee

World Bank data: a $500 transfer costs $31 in fees before it even moves. Most of this goes to intermediary banks you never see.

3–5 days
Average SWIFT time

Your money passes through 2–4 correspondent banks. Each adds processing delay. Families wait days for urgent money.

2–4%
Hidden FX markup

Providers advertise 'zero fees' but markup the exchange rate by 2–4%. You never see the true cost until the money arrives.

4 hops
Intermediary banks

Sender's bank → Correspondent bank → SWIFT → Clearing house → Recipient's bank. Every hop takes a cut and adds risk.

$48B
Lost to fees yearly

That's $48 billion per year extracted from migrant workers and their families. Money that should arrive — doesn't.

Our approach

Replace 4 intermediaries with 1 transaction.

The entire SWIFT network — correspondent banks, clearing houses, processing delays — replaced by a single on-chain transfer costing $0.003.

TRADITIONAL WIRE (3–5 DAYS, $31+)
Your bank ($5–15)
Correspondent bank ($10–20)
SWIFT network ($15–30)
Clearing house ($5)
Recipient's bank ($5–10)
FX markup (2–4% hidden)
Total: $31–$50+ on $500
ZATEWAY (TARGET: UNDER 60 SECONDS, ~$3.75)
Connect wallet / buy USDCFree / 0.1%
Polygon on-chain settlement$0.003
Off-ramp partner converts to local currency0.25–0.50%
Delivered via UPI / Bank / M-Pesa / SPEIInstant
Target total: $2.50–$5 on $500
STEP 01

You initiate

Enter amount, pick destination, add recipient details. Get a real-time quote with full fee breakdown — no hidden costs.

STEP 02

On-chain routing

USDT/USDC settles on Polygon in under 5 seconds. Gas cost: $0.003. No correspondent banks, no SWIFT, no delays.

STEP 03

Off-ramp converts

A licensed partner in the destination country converts stablecoin to local currency at transparent market-rate FX.

STEP 04

Delivered

Funds land in their bank, UPI, M-Pesa, GCash, SPEI, or SEPA account. No crypto wallet needed on their end.

Global coverage

10 corridors. $300B+ in annual volume.

We're targeting the world's highest-volume remittance routes — from the US, UK, UAE, and Canada to Asia, Africa, Latin America, and Europe.

United States
India
USD→INR
Fee 0.75%
Speed Instant
Volume $125B/yr
UPIIMPS Bank TransferNEFT Bank Transfer-85% vs WU
United States
Mexico
USD→MXN
Fee 0.85%
Speed Instant
Volume $63B/yr
SPEIOXXO Cash Pickup-81% vs WU
United States
Philippines
USD→PHP
Fee 0.90%
Speed Instant
Volume $38B/yr
GCashBank Transfer-78% vs WU
United States
Nigeria
USD→NGN
Fee 1.15%
Speed Instant
Volume $20B/yr
Bank TransferM-Pesa-82% vs WU
United Kingdom
India
GBP→INR
Fee 0.75%
Speed Instant
Volume $18B/yr
UPIIMPS Bank Transfer-79% vs WU
United Arab Emirates
India
AED→INR
Fee 0.70%
Speed Instant
Volume $15B/yr
UPIIMPS Bank Transfer-82% vs WU
United Arab Emirates
Pakistan
AED→PKR
Fee 0.90%
Speed Instant
Volume $30B/yr
JazzCashEasypaisa-80% vs WU
United States
United Kingdom
USD→GBP
Fee 0.70%
Speed Instant
Faster PaymentsBank Transfer
United States
Germany
USD→EUR
Fee 0.70%
Speed Instant
SEPA InstantBank Transfer
Canada
India
CAD→INR
Fee 0.80%
Speed Instant
UPIIMPS Bank Transfer-77% vs WU
Delivery methods

Their bank. Their wallet. Their way.

The recipient never touches crypto. They receive local currency via the payment method they already use.

PHASE 1

UPI

India

Send to any UPI ID. 10B+ monthly transactions on India's fastest payment rail.

Instant
PHASE 1

Bank Transfer

Global

IMPS, NEFT, SPEI, SEPA Instant, Faster Payments — domestic bank rails in every corridor.

Direct–2hr
PHASE 1

Mobile Wallets

Africa & SE Asia

M-Pesa, GCash, JazzCash, Easypaisa — ideal for unbanked recipients in emerging markets.

Instant
PHASE 1

SPEI

Mexico

Mexico's real-time interbank transfer system. 30M+ daily transactions. Delivery in seconds.

Instant
PHASE 2

Cash Pickup

LATAM & Asia

Recipient collects cash at OXXO, Cebuana Lhuillier, or partner locations with a code + ID.

30min–1hr
PHASE 2

Card Payout

Global

Push funds to Visa/Mastercard debit cards via Visa Direct or Mastercard Send.

Instant–30min
Live Calculator
Preview your transfer
PROJECTED
United States → India · USD → INR
YOU SEND$500
$50$5,000
Zateway platform fee$2.50
Off-ramp partner fee$1.25
Blockchain gas~$0.003
Total (0.75%)$3.75
Exchange rate1 USD = 85.10 INR
THEY RECEIVE
42,231 INR
Instant
Projected savings of $21.25 vs Western Union

Rates are projections based on target partner agreements. Final rates may vary.

Fee comparison

Every provider. One chart.

Industry-reported average fees for a $500 USD→INR transfer. Zateway's fee is a target based on projected partner rates.

Western Union5.0% · $25.00
PayPal4.5% · $22.50
Remitly1.8% · $9.00
Wise1.1% · $5.50
Zateway (target)0.8% · $3.75
Competitor fees from publicly available data. Zateway fee is projected, not guaranteed.
Infrastructure

Built on a live payment engine.

Send Money runs on the same technology stack as our production crypto payment gateway. These pieces are already working.

LIVE

Multi-chain engine

Live on Polygon, Solana, Base, BSC, Arbitrum, Optimism. Same settlement layer powers Send Money.

LIVE

Non-custodial

We never hold user funds. Payments route through smart contracts with deterministic outputs.

LIVE

Encrypted pipeline

PII encrypted at rest (AES-256-GCM), in transit (TLS 1.3). HMAC-SHA256 webhook signatures.

LIVE

Dashboard

Full analytics, API management, webhook config, transaction monitoring. All live.

BUILDING

Off-ramp integrations

Evaluating licensed partners for fiat delivery: Bridge, Transfi, Yellow Card, Bitso.

BUILDING

KYC layer

Identity verification and transaction monitoring via Sumsub. Required before launch.

Build log

Honest updates. Dated.

No roadmap theater. What shipped, what's in progress, what's still on paper.

Apr 2026shipped

/send waitlist live

Public Coming Soon page + email capture + CSRF-exempt /api/waitlist. First 40+ emails captured in beta signal the right corridors to launch first.

Apr 2026shipped

Google SSO hardened

Removed the misapplied g_csrf_token double-submit that broke every SPA sign-in. verifyIdToken + SameSite=Lax cookies + rate limiter stay.

Mar 2026shipped

Corridor registry finalized

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.

Mar 2026in-progress

Off-ramp partner evaluation

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.

Feb 2026shipped

Payment gateway hardened

Rate limiting, abuse detection, and the plan-tier boot patch that fixed the production login 500s. Same engine will handle Send settlement.

Q3 2026planned

US→IN private beta

Single corridor, invite-only from the waitlist. UPI delivery, $500 max per transfer, full tx hash disclosure in the receipt.

Q4 2026planned

Corridor expansion

Add US→MX (SPEI), US→PH (GCash), GB→IN (UPI). Raise per-transfer limits once compliance flow is proven on corridor one.

Want the unfiltered version? Email mimansh@zateway.comand I'll tell you exactly which partner we signed, what broke last week, and what's actually hard about this.
FAQ

Questions answered.

M

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?

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