pair. pick. land.
The corridor opens once. After that, every send is one tap · three rails quote in parallel, the cheapest wins in about two seconds, and your family sees it land before you can text them.
┌─┐ ┌─┐ │◐ │◀▶│◑ │ one pair · two countries └─┘ └─┘
One pair. Two countries.
Verify yourself once. Add the person at home · by phone, by UPI handle, by Aadhaar where it makes sense. The pair locks. It never duplicates. Card numbers stay one-way · even from us.
╔═════╗ ┐
USD ─▶ ║ A ║──┤
─▶ ║ B ║──┼─▶ cheapest
─▶ ║ C ║──┘
╚═════╝Three rails. The cheapest wins in ~2s.
We quote three live corridors in parallel · and route to the one that saves you the most after the spread, the fee, and the time-to-land. We always show you the saving against a bank wire, RBI-cited.
┌─────────┐ │ ✓ land │ ma sees it └─────────┘ before chai cools
Push, WhatsApp, paper-warm note.
Your family sees it land before you can text them. The 7pm phone call gets shorter. The relief lands faster. Receipts and statements export in NRI-format PDF for the year-end conversation with the chartered accountant.
The bank wire vs. the corridor.
┌──────────────────────────────┬──────────────────────┬──────────────────────────┐ │ DIMENSION │ BANK WIRE │ remi│ton CORRIDOR │ ├──────────────────────────────┼──────────────────────┼──────────────────────────┤ │ time to land │ 3 · 5 days │ ≈ 11 seconds │ │ fees eaten │ $25 · $40 │ $0 · $4 │ │ rate spread │ 2.4 · 3.8% │ 0.2 · 0.6% │ │ your family sees it │ the next day │ before you text them │ │ rail choice │ one · theirs │ three · cheapest live │ │ goal ladder │ none │ milestones · joint horizons │ └──────────────────────────────┴──────────────────────┴──────────────────────────┘ spread + fee delta cited live on every quote · RBI rate reference inline
The questions diaspora kids ask first.
how long does a send actually take?
Under 45 minutes, 24/7/365. Sender funds via ACH or FedNow, USDG is minted by Paxos on the chain rail, OpenFX converts at 15 basis points, and the receive leg lands via IMPS, UAEFTS, FPS, or InstaPay. End to end, under three quarters of an hour.
what if a corridor leg is down?
We route to the next live one and the lock stays with you, never with the rail. The saving might shrink a few basis points; the send still lands. See /tech-architecture for the five-layer fail-over story.
is the family wallet just a budget app?
Shared budgets, yes — but also standing orders for medicine and tuition, joint goals with ladder contributions toward the wedding or the MBA, and an AI family coach reading the ledger out loud. Sub-cards live inside the family wallet as one of the surfaces, not a tier.
what about the Invest Home line?
Agentic wallet over tokenised Indian equities and mutual funds, 0.15% AUM annually. It opens with Phase 2 of the roadmap and is gated behind product-partner agreements that land in stages.
The five-layer flow, end to end.
Sender funds via ACH or FedNow → USDG is minted by Paxos → OpenFX converts at 15 basis points → INR, AED, GBP or PHP delivered via IMPS, UAEFTS, FPS or InstaPay. Each layer publishes its own trace-id and the receipt cites all four. See /tech-architecture for the full stack and partner detail.
SENDER FUND USDG MINT FX CONVERT RECEIVE LEG
ACH / FedNow ──► Paxos USDG ──► OpenFX 15bps ──► IMPS · UAEFTS · FPS · InstaPay
└──► <45 min, 24/7/365 ──►