Coverage Markets Verify Back to overview

Move — step five

Send money home like it’s a text message.
To the countries most apps skip.

Tap a name, send, done — the same experience as paying a friend down the street. The difference is where it lands. We hold direct connections to more than 25,000 banks worldwide, including the ones in Lagos, Dhaka and Dakar, so the money arrives in a real account in seconds rather than not at all.

Peer-to-peer Straight to their bank account Seconds, not days Markets others skip

Delivery index LIVE

25,000+ banks connectedDirect relationships, not a correspondent chain

1.2% Cost to send Against a 6.2% global average on $200

100% Into an account Real bank credit, in the recipient’s name

Send to

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What we actually do in these countries

We do not wait for a market to come online. We go and connect it.

Most of these banks have no public API, no developer portal and no reason to build one for a foreign company — so everyone else routes around them through a chain of correspondents, each taking a cut and adding a day. Connecting them directly is fieldwork: people on the ground, a licensed local partner, and an integration built per institution.

01 Map the whole market, not the top five

Commercial banks, microfinance banks, thrift and rural institutions, the national scheme. In most of these countries the majority of accounts sit outside the five names a foreigner has heard of.

Every licensed institution, listed by name

02 Integrate banks that have no API

Some send a file twice a day. Some expect a fixed-format message over a private line. A few have a modern interface and no documentation in English. We build to whatever exists and normalise it behind one schema.

One schema, whatever the bank runs

03 Get licensed where the money lands

A credit into a domestic account is a regulated act in the country receiving it. We hold or partner for the permission locally, and the regulator knows who we are before the first transfer settles.

A licensed partner in every market

04 Publish it, so it can be checked

Every institution we connect appears in the public directory by name, testable in sandbox. A coverage claim you cannot verify is a marketing number, and we would rather be held to ours.

Named in the directory, or it does not count

The result is not only that money arrives from abroad. Once a bank is connected, everything else in the stack reaches it too: a shopkeeper in Kano can be verified for working capital against her own deposit history, a delivery rider in Dhaka can prove his income without a payslip, and a savings co-operative can be reconciled instead of trusted.

In countryIntegration teams, not remote vendors

By nameEvery institution published and testable

Both waysMoney in, and credit, income and identity out

The network we built

Bank by bank, city by city, across three continents.

Every node is an institution we integrated in person. No correspondent chain, no aggregator sitting between us and the ledger — a direct connection to the bank that holds the account.

{{ liveCount }}institutions live across Africa, the Middle East, Asia and Latin America {{ liveCountries }}countries in these regions part of 25,000+ worldwide

pay-out.ts Lagos · sandbox

// credit a Nigerian account, in the recipient's own bank
const payout = await fintegral.payments.create({
  country: 'NG',
  institution: 'ng_access_bank',
  account: recipient.accountRef,
  amount: { currency: 'NGN', minor: 312_400 },
  purpose: 'family_support',
});

payout.status;   // 'settled'
payout.settledIn; // 42_118 ms

For the teams building here

The hardest part of building a financial product in Lagos, Nairobi or Dhaka has never been the idea. It is that no one will give you a connection to the banks. We will. The same rails, the same schema and the same sandbox a team in London gets — on day one, without a partnership deck.

Same sandbox

Synthetic banks in every market, no credentials, no waitlist.

Same schema

A Nigerian bank returns what a German one does. Ship once.

Our licence

Build on the permission we already hold locally.

LAGOSPayroll for factory floors

Four hundred staff paid into their own accounts on the same day, instead of cash in envelopes on a Friday.

NAIROBICredit without collateral

Underwriting a market trader on twelve months of her own deposit history rather than a title deed she will never have.

DHAKAReceive, hold, spend

A super-app where remittances arrive, sit in a real account and pay a school fee, without ever converting twice.

ACCRAPayouts for creators

Platforms paying local creators and drivers directly, in cedis, without a foreign account or a two-week wait.

Start building Browse the institution directory

Market by market

18+ emerging markets, and who we are connected to in each.

Institution counts and bank names below are read live from the same public directory the send flow queries. If a name is listed here, it is testable in the sandbox today.

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Institutions connected

Open the {{ m.name }} dossier

18+ emerging markets, one integration at a timeEvery corridor mapped, licensed and published before it goes live

What it costs to send $200

The corridors priced worst are the ones we hold directly.

Grey is the published market average for each corridor, from the World Bank’s quarterly Remittance Prices Worldwide. Mint is what it costs through a direct bank connection instead of a correspondent chain.

Corridor Cost of sending $200 Kept

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Every figure above is the all-in cost including the exchange rate applied, not a headline fee with the spread taken quietly afterwards. Open the market dossiers →

Compliance is the product

Consumer-simple on the front. Bank-grade underneath.

The send flow is three taps. Behind it sits a licensed partner in every market, live sanctions screening on both sides of the transfer, and a reconciliation ledger that closes the same day. Where a market is comprehensively sanctioned we refuse the transfer outright rather than quietly failing it later.

Same dayReconciliation, every corridor

LicensedLocal partner in every market

RefusedSanctioned markets, at the session

Open a market your competitors do not offer.

Every market lists its connected banks, its settlement window and its full cost in the sandbox, before a single agreement is signed.

Open a market See coverage