Send money
Sending money home is not the product. It is the enrolment.
Every remittance app treats the transfer as the whole relationship: you pay, it lands, you are done. On Wiremi it is the first thing you do inside an account that is also keeping your record.
Corridors
Where it goes, and what it turns into.
Pick the country and the method, and the fee and the arrival time appear next to each other. Nothing is quoted at a rate you will not actually get.
NGN, into the wallet or account they already use
XAF, delivered to the number you send to
GHS, with the rate quoted before you send
KES, straight to the mobile wallet
More corridors open as payout partners come online. Wiremi to Wiremi works anywhere, instantly, at no cost.
The flow
Four steps, and one of them exists to stop you.
- 01Amount
You see both sides of it
What leaves your wallet and what lands in theirs, in their currency, at the rate quoted.
- 02Destination
The method carries its own cost
Mobile money or bank. Each shows its fee and its arrival time next to it, before you pick.
- 03Purpose
The step that stops you
A purpose of transfer is required. Until you pick one the button stays disabled, and it says why.
- 04Review
Every figure, one more time
You are asked for your PIN. Then the receipt goes live and polls until it lands.
Rails
Fast where fast is possible. Honest where it is not.
Where a real-time rail moves value faster and cheaper we use it. Where it does not, we use the one that does, and the receipt shows the route either way.
Instant · free
Wiremi to Wiremi
By Wiremi ID or QR, anywhere in the world, in seconds. We hold nothing back from the amount and there is no fee on either side.
Minutes
Mobile money
Into the wallet your family already uses at home. The fee and the arrival time sit next to the method before you pick it.
Same or next day
Bank transfer
Straight into an account, with the rate quoted before you send.
Real time
Stablecoin rails, used where they are genuinely faster
Where a stablecoin network moves value faster and cheaper than a correspondent bank, we settle on it, and the receipt shows the route. You can also hold and send stablecoins yourself from the wallet.
Money in, money out
Every way in, and the rate on the screen.
Fund the wallet the way that suits you, and send from it in the currency the other side needs. The conversion screen shows the from, the into, the rate and what lands, before you confirm, not after.
You were going to send that money anyway. This time it lands somewhere that remembers.
Sending home does not by itself build credit, and we will not pretend otherwise. What it does is put your money inside the one account that also runs your circle, holds your savings and prices your loan.
Questions people actually ask
- Is Wiremi to Wiremi really free?
- Yes, and it is instant. Sending to another Wiremi account by Wiremi ID or QR costs nothing and we hold nothing back from the amount.
- Why do I have to pick a purpose of transfer?
- Because Wiremi is a licensed Money Services Business and the purpose is part of what we are required to record. The continue button stays disabled until you select one, and it says so rather than failing silently.
- Does sending money build my Community Credit?
- Not on its own. The score is built from circle contributions, loan conduct, rent paid on time and savings held. Transfers are how money reaches those things. See the four sources.
- What does Wiremi use stablecoins for?
- Two things. As a rail: where a stablecoin network moves value faster and cheaper than a correspondent bank, we settle on it, and the receipt shows the route. And as a wallet of your own: every account can hold dollar stablecoins, send them to any address and bring them out as fiat. See Stablecoins.
- Can I see where a transfer is?
- Receipts poll live status and show the banner, the exchange, the parties and a timeline. You can refresh one and share it.
Send the first one