BintaOpen Transfer Rail
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◉Direct bank rails · no middleware tax✓19 / 19 property tests passing

The open way
to send money
home.

Send money to Nigeria. Transfers settle in under 60 seconds. Fees shown before you confirm. Every entry in the ledger auditable, every state transition tracked.

Open accountRead the spec
You send
1,000.00
USD · United States
Rate
1 USD = 1,592.00 NGN
Recipient gets
1,562,120
NGN · Nigerian bank account
⚡ArrivesToday, in seconds
%Total cost19.90 USD (1.99%)
Send money →
Rate locked for 60 seconds at quote time.
🇳🇬
NG
● LIVE
🇬🇭
GH
SOON
🇰🇪
KE
SOON
🇲🇽
MX
SOON
🇵🇭
PH
SOON
🇮🇳
IN
SOON
TLS 1.3Double-entry ledger · property-testedMulti-tenant · day oneAlpha · M3 live

100% Transparent
Pricing

Banks and most money transfer apps inflate the mid-market rate to hide fees. Not Binta. You see the fee, the FX spread, and the delivery amount before you confirm.

Send
$1,000
USD · From the US
To
Nigeria
NGN · Bank account
Rate
1,592
Mid 1,600 · 50 bps spread
ProviderFeeTotal costRecipient gets
B
BintaYou save
Direct institutional rails
$15.00$19.90₦1,562,120
R
Remitly
Debit card, instant
$3.99$19.99₦1,560,480
S
Sendwave
Mobile-first
$0.00$24.00₦1,553,920
W
Western Union
Branch + online
$29.00$60.00₦1,496,320
W
Wise
Not available
——Not supported

Figures reflect public rate cards on 2026-10-11 and are rounded; sanity-check at each operator before using as a hedging reference.

↯

Instant, secure transfers

Designed to settle in under 60 seconds via the stablecoin cross-border rail. Every state transition in the orchestrator is auditable.

⇄

A rate that won't change

Lock the exact amount your recipient will get for 60 seconds. If the rate moves between quote and confirm, we eat it.

☎

Humans you can reach

One-founder support today, growing with volume. Status page and public post-mortems ship with Phase 1 go-live.

A customer reviewing their transfer activity
24/7 live rail
USD · 0 / NGN · 0

Safe at every
step.

Every piece of the stack is auditable. Here's how your money moves, and how we keep it safe at each state.

✓
Double-entry ledger
Property-tested so money can neither be created nor destroyed. Net balance per currency is enforced at write time.
✓
Transfer state machine
Pure function from (state, event) to state. Terminal states block further events. 500-run property test on every build.
✓
Encrypted in transit
TLS 1.3 via Let's Encrypt. HTTP-only session cookies. Field-level encryption lands with M3+.
✓
Pluggable compliance
OFAC + PEP screening via OpenSanctions. Transaction monitoring rules in M6. SAR drafts ready for the BSA officer.
See every control

Make the stack
do more.

Send money, hold USD for later, run your own corridor. Three ways to use the Binta rail.

You send
$1,000
→
Recipient
₦1,562,120

Send money fast

To Nigeria today, with Ghana / Kenya / Mexico shipping in the next phase. One quote, one confirm, settles in seconds.

US → NG · $19.90 total cost on $1,000
See the corridor →
$4,122
USD
₦6.3M
NGN

Hold USD and NGN

Multi-currency wallet rolling out with M4. Receive USD from a US customer, hold it until the rate moves your way, then settle.

22 currencies · Phase 2 target
Trust & posture →
tenant: acme_fx
Rail: US → NG · live
Volume today: $142k
✓ ledger balanced

White-label the rail

Launch your own cross-border product on our platform. Multi-tenant by default, ledger isolated per tenant, your brand up front, your corridor on our compliance rails.

Platform license · Enterprise
Licensing roadmap →
What early users are saying

Honest
everywhere.

Alpha, so quotes are from friends-of-founder and compliance consultants, not paid promotion. Every one is from someone who ran a real transfer in the sandbox.

←
→
🇺🇸🇳🇬

"Nineteen seconds, Dallas to Lagos. I kept refreshing because I didn't trust the receipt."

Adaeze O.
Adaeze O.
Dallas, TX
🇺🇸🇳🇬

"Being able to read the ledger entries after the fact changed how I think about remittance. Nothing hidden."

Felix U.
Felix U.
Houston, TX
An operator building on the Binta stack
◉
$13,450 payroll
%
$104.99 fees
$350.00 FX revenue
For operators

Built for
builders too.

Launch your own corridor on our platform or run the whole stack under your own BaaS partner. Multi-tenant from day one, ledger isolated per tenant, white-label friendly. Direct banking relationships mean no middleware tax.

Licensing roadmapTrust & security →

Binta works where you
want to send money home.

🇳🇬●
Send money to Nigeria
● LIVE
🇬🇭
Send money to Ghana
COMING SOON
🇰🇪
Send money to Kenya
COMING SOON
🇸🇳
Send money to Senegal
COMING SOON
🇨🇮
Send money to Côte d'Ivoire
COMING SOON
🇸🇱
Send money to Sierra Leone
COMING SOON
🇲🇽
Send money to Mexico
COMING SOON
🇵🇭
Send money to Philippines
COMING SOON
🇮🇳
Send money to India
COMING SOON
🇧🇷
Send money to Brazil
COMING SOON
◉Fully auditable ledger◉Live settlement rail

Take Binta
everywhere you go.

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Open accountiOS & Android · coming Q1 2027