Own your money. Move it anywhere. Instantly.

Send Money Without Borders,
Without Custody

Citapay is a non-custodial remittance and payment platform that lets you transfer money globally using crypto and local rails — all while keeping full control of your assets.

🔒 You hold the keys
💸 Low fees, real exchange rates
Instant settlement, zero waiting

How It Works

Four simple steps to send money globally without losing control

01

Create or Connect Your Wallet

Use Citapay's simple non-custodial wallet or link MetaMask in seconds.

02

Choose Your Corridor

Send CAD to IRR, PHP, INR, or any supported country — or receive local payout directly.

03

Transfer Instantly

Funds move peer-to-peer through Citapay's secure matching and settlement engine, powered by stablecoins and local partners.

04

Receiver Gets Local Currency

Recipients get local funds quickly through verified payout partners.

✅ No banks. No custodians. No waiting.

Why Citapay

See the difference between traditional remittance and Citapay

Feature
Traditional Remittance
Citapay
Custody
Funds held by intermediaries
User controls all funds
Speed
1–3 business days
Instant settlement
Fees
3–8% average
<1% total cost
Transparency
Hidden FX spreads
Live, fair exchange rates
Accessibility
Limited corridors
Open, digital, global

Our Promise

🛡️

Non-Custodial by Design

You always own your funds and keys. No intermediaries ever hold your money.

📋

Transparent Compliance

MSB-grade AML/KYC and audit trails to ensure security and regulatory compliance.

🌱

Community-Driven Growth

Built for and by diaspora users. Your needs shape our platform.

🔗

Hybrid Settlement Rails

Combining stablecoins with local bank integrations for seamless transfers.

Who It's For

Citapay empowers everyone to move money freely across borders

👨‍👩‍👧

Immigrants & Families

Send money home instantly and save more every month with lower fees.

🏢

SMEs & Freelancers

Pay or get paid globally with no custody risk. Your money, your control.

🛒

Merchants

Accept crypto or stablecoin payments directly to your wallet. No middlemen.

Our Mission

At Citapay, we believe moving money should be as easy and borderless as sending a message. We're building the bridge between crypto transparency and real-world utility — enabling everyone to send, receive, and grow value globally without losing control of their assets.

Join the Movement

Be part of a new era of trustless, user-owned finance. Get early access to our beta launch and experience remittance redefined.

📧 hello@citapay.com