UnifyPay routes every transfer down whichever licensed rail actually works for that corridor — local banks, card networks, or regulated stablecoins. Your money lands fast, whole, and fully above board.
But right now, it is. Four ways the old map fails you:
Your processor supports 44 countries. Your client lives in the 45th. Not sanctioned. Not illegal. Just not worth their paperwork.
The global average cost of sending $200 home is still over 6%. That's a week of groceries, skimmed off money a family is waiting for.
Three to five business days — and "business days" don't exist on weekends, across time zones, or when rent is due Friday.
A wire goes out and simply… vanishes. You find out it failed when someone asks where the money is.
None of this is physics. It's infrastructure nobody bothered to unify. So we did.
You choose who gets paid. The Corridor Engine handles everything between.
Top up by card, bank transfer, or USDC. Your money sits in safeguarded accounts at licensed institutions — segregated, protected, never ours to touch.
A person or a business, their country, their currency. That's all we need.
In milliseconds it scores every live rail for that exact corridor — local bank networks, card rails, regulated stablecoin settlement — on cost, speed, and reliability. Best route wins. Your rate locks.
Straight to their bank account, card, or mobile wallet, in their own currency. You watch every hop, tracked like a parcel.
If a corridor is closed by sanctions law, UnifyPay won't route around it — no exceptions. What we fix is every corridor that's broken for no good reason.
Real-time routing across every rail we ride. When one path degrades, the next transfer takes a better one — automatically.
Hold and convert major currencies in a single balance. Stop juggling five apps that each cover half the world.
Mid-market rate. One visible fee. Locked when you hit send. The number you see is the number that lands.
Where banks are slow, transfers ride regulated USDC through licensed partners — and arrive as ordinary local money. You'll never know it happened. That's the point.
Bank account, debit card, or mobile money — recipients get paid the way they already live.
Quoted → screened → routed → settled. Every hop, timestamped, in the open.
You did the work. Then the invoice fee, the FX markup, and the six-day wait did theirs. UnifyPay gets you paid like a local — real rate, one fee, days become minutes.
Every month, the same transfer — and every month, the cut off the top. Route it smarter and the difference isn't abstract: it's groceries, school fees, medicine.
Suppliers in Shenzhen, contractors in Karachi, a factory in Istanbul. Pay all of them before lunch from one balance — batch payouts, one reconciliation view, an API when you're ready.
Once your money's in, treat it like an account — not a waiting room. Move a portion into Save and it starts earning, while your spending balance stays ready to send anywhere.
Honest version: UnifyPay isn't a bank, and e-money balances legally can't pay interest. So Save is a separate, regulated product — your money is swept into partner-bank accounts or a money-market fund, and the yield is passed through to you. Where funds sit at a partner bank, they're covered by that bank's deposit protection (e.g. FSCS up to £85,000), per the partner's terms. Rates are variable and illustrative until launch.
Mid-market exchange rate — the one from the news, not the one from the airport. Plus a single fee, shown upfront, locked at send.
Banks bury their margin in the exchange rate and call the transfer "free." Legacy remitters post a low fee and take it back in the spread. We show you the mid-market rate, our fee, and exactly what lands — before you commit. Drag the slider. Watch what the old way costs you.
A glimpse of the network in motion — each transfer routed down the rail that won its corridor.
Ambitious routing. Conservative compliance. That's the whole trick.
Every transfer moves inside the regulatory perimeter of licensed institutions — FCA-authorised e-money partners, registered money transmitters, regulated stablecoin issuers. We orchestrate. They hold and move the money.
Customer balances sit in segregated safeguarding accounts at partner institutions. Never commingled, never lent, never ours.
Identity verification at signup, sanctions screening on every transfer, continuous monitoring. It takes two extra minutes once — and it's why the network stays open for everyone.
If a corridor is blocked by sanctions, UnifyPay won't serve it — full stop. We can't fix the law, and we won't try. What we fix is everything else: the lazy rejections, the buried fees, the five-day settlements the old map calls normal.
Trust isn't a badge wall. It's architecture.
Be first in line when UnifyPay opens. Early members get founding rates, priority corridors, and a say in what we build next.