Send money home from the chat apps you already use.
Start on WhatsApp or Telegram. AI assistants such as Claude, ChatGPT and Perplexity are in early access.
The SmartRemit AI quotes the rate for your transfer in the chat, a hosted page takes payment, and a licensed partner settles — every step signed and audited. SmartRemit never holds your money. Sanctions screening runs on every transfer (demo: reference list; production feed per partner).
- Familiar and easy
- Safe and secure
- Built for a borderless world
Non-custodial remittance infrastructure
- Non-custodial by design
- Licensed-partner settled
- Sanctions screening runs on every transfer (demo: reference list)
- Full audit trail
Choose your chat app
One SmartRemit AI, in the apps you already use. The rate, the checks and the secure pay page are the same everywhere.
- Available now
WhatsApp
Chat with the SmartRemit AI. It quotes your rate, checks the details with you and sends you a secure link to pay.
Start on WhatsApp - Available now
Telegram
The same SmartRemit AI and the same steps, in Telegram. Open the bot, share your phone number and say hi.
Start on Telegram - Early access, by invitation
Claude, ChatGPT and Perplexity
Connect your AI assistant to your SmartRemit account. Ask for a quote, your send limit or where a transfer is. It can prepare a transfer to a saved recipient, but you always pay on the SmartRemit pay page, with a code sent to your WhatsApp.
How AI apps connect →
Claude, ChatGPT and Perplexity are trademarks of their owners. SmartRemit is not affiliated with or endorsed by them.
What’s inside.
The same system, surface by surface.
The conversation
An agent that speaks money.
Quote, KYC, approval, receipt — the entire transfer is a conversation. The agent locks the rate for your transfer and holds it while you pay. It never holds your funds.
A real transfer moving through SmartRemit — conversation, quote, pay, settle, delivered. Funds never touch us.
The ops dashboard
Every transfer, observable.
Staff watch money move in real time — live transfers, a compliance review queue, FX analytics. PII stays encrypted at rest, and every reveal is written to the audit log.
The partner rail
Your rail. Our orchestration.
Settlement is an instruction, not a balance. SmartRemit signs an instruction to your rail and verifies the signed callback — funds never touch us. A REST API and hosted reference rail ship with it.
The AI layer
One AI layer, two sides.
Customers get an agent that answers in plain language. The platform runs compliance on every transfer — sanctions screening is structurally impossible to switch off, in every KYC mode (demo: reference list; production feed per partner).
Live FX
The honest rate, before you send.
1 USD = ₹94.75 (daily reference rate, ECB fixing of 2026-11-03).
Your first transfer has no SmartRemit fee, then a flat $1.99 per bank transfer. You see the exact rate and total before you pay.
From the United States (USD)
Fee: $0 on your first transfer, then $1.99.
DEMO — no real money
Try a demo send with SmartRemitDemo mode — no money moves.
Send $1,000 to India on WhatsAppDaily reference rate from our FX provider (ECB fixing of 2026-11-03), for information. Your transfer's rate is quoted and locked when you confirm.
Your family is one message away.
Send money home in the time it takes to type a text.
Building a remittance product? Read the partner docs →
Early access
Join the waitlist.
Be first to send money by chatting on WhatsApp. Tell us where you send to and we’ll message you the moment your corridor opens. No spam — one message when it’s your turn.
For partners
Partner with us.
Licensed money transmitters: reach customers through the SmartRemit WhatsApp assistant and pay page, with signed settlement webhooks, a REST API, and a self-service dashboard. You keep the licence and the funds — we orchestrate the rest. Tell us your corridors and we’ll be in touch.